Alternativas de ahorro e inversión para personas naturales en los tres principales bancos de Colombia: Bancolombia, Banco de Bogotá y banco Davivienda para el año 2010

Abstract

The Colombian banking system has been taking such an importance to population in the everyday life. Those inhabitants directly or indirectly have seen the necessity to turn to bank premises in order to solve their saving, investments, finances and transactionality issues. In this regard it has been decided to focus the investigation on offering a complete guide about the diverse saving and investment choices that the Colombian banking sector offers to natural persons in 2010. The following banks were selected: Bancolombia, Banco de Bogotá and Banco Davivienda. This selection was made since they are the biggest in Colombia and according to their asset level. Therefore, it is possible to provide detailed information about the different investment and saving products with their own characteristics, profits and costs. The main goal of this work is to guide any kind of reader in suitable alternatives. For these reason is directed to a housewife who ignores issues concerning saving and investments alternatives or even busy executive person who could find difficult to make the best decision on which bank could manage his incomes and investments. The methodology used for this work is based on consultations with the official websites of financial institutions and major newspapers in the country specialized in finance resulting in a synthesis of different savings and investment alternatives offered by major banks.