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Renta y CapitalFinance courses · Camilo Tirado
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Market today
BanRep rate 12.25%in force since Oct 1, 2026Annual inflation 6.29%data for Sep 2026Inflation target 3.0%IBR overnight 11.418%as of Oct 23, 2026IBR 3M 11.741%as of Oct 23, 2026CDT 180d 10.95%as of Oct 23, 2026TES 1Y 12.23%as of Oct 16, 2026TES 5Y 12.93%as of Oct 16, 2026TES 10Y 13.18%as of Oct 16, 2026TES UVR 10Y 6.82%as of Oct 16, 2026UVR $420.0688for Oct 23, 2026USD/COP (TRM) $3,185.01in force on Oct 23, 2026Latest official figure in force for each rate · checked on Oct 23, 2026
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Renta y Capital · Finance courses

A course for every stage of your financial life

From the first allowance to the trading desk: courses made in Colombia, with real cases, official data that updates itself and tools to decide with judgment.

See the courses
  1. Available01Ages 8 to 18Hackea tus FinanzasThe money skills school doesn’t teach you, as a familyDiscover
  2. 02Investors and professionalsFixed income in Colombia1Level 1 · InvestCDTs, TES, bonds and funds2Level 2 · ValueLike a trading deskBoth levels · one paymentSee the course
The courses

Start where you are

Each course is designed for a stage: learning to manage money from a young age, investing with judgment and, if it’s your job, valuing like a professional.

Chigüi, the Hackea tus Finanzas mascot
AvailableYoung people aged 8 to 18 and their family
Free
Try it nowScam Detector7 messages · 3 minutes · no sign-up

Hackea tus Finanzas: from your allowance to your first million

The course on money management that school doesn’t teach you: short lessons with simulators, real family missions and the Adult Dashboard so a grown-up can support you. The course is in Spanish.

  • 🎯Missions an adult approves, with an optional bonus
  • 🕹️Simulators with your own numbers
  • 📱An installable app that works offline
  • 🔒Your nickname, your age and your progress
60lessons
19simulators
12modules per route
Price$80,000COP · one payment
Discover HackeaScam DetectorLog in to the course
AvailableInvestors and professionals
Free
Try it nowFree classSample lessons and a quiz · 15 minutes

Colombian fixed income: from investing to valuation

CDTs, TES, bonds and collective investment funds with Colombian cases. Level 1 is to invest your money with judgment; Level 2, to value like a trading desk. One payment includes both levels.

  • 📈Official market data updated every day
  • 🧮13 web and Excel tools
  • 🌎In English and Spanish, on up to 2 devices
  • 🛡️7-day guarantee ≈ US$69
16modules
2levels
1year of access
Price$220,000COP · both levels
See the courseFree classLog in to the course
Family promotion

“A family that invests together stays together”

You learn fixed income with the full course, your kids learn to handle their money with Hackea tus Finanzas. One purchase, one year of access to both and a 7-day guarantee.

  • 📈Colombian fixed income · full course (16 modules)
  • 🪙Hackea tus Finanzas · 3 routes for ages 8 to 18 (in Spanish)
COP 300,000 bought separatelyCOP 270,000 ≈ US$85You save COP 30,000Get the Investor Family BundleOne payment · 1 year of access · 7-day guarantee
How we teach

Not a PDF or a recorded class

The same in both courses: you learn by doing, with real numbers.

Lessons that move

Change the numbers and see what happens: simulators, charts and calculators inside every lesson, on your phone too.

Colombia and official data

Pesos, Banco de la República, CDTs, TES and UVR. Market figures are taken every morning from official sources and carry their date.

Education, not recommendations

We teach you to compare and decide on your own. We don’t recommend products or institutions, or promise profits.

Free

Start with these tools

Simple versions of the courses’ tools, to use today.

Rate converter

From effective annual to monthly, quarterly or in-advance nominal rates, and back.

CDT simulator

What you get at maturity, how much is withheld and whether you beat inflation.

Rates today

Banco de la República rate (12.25%), inflation (6.29%), CDTs, TES, UVR and the dollar.

Scam detector

Seven phone messages: scam or legit? To play with your kids.
Camilo Tirado
About the author

Camilo Tirado Cabrera

17+ years on trading desksMaster’s degree · risk focusTeaching since 2017

Investment manager with more than 17 years of experience on trading desks in Colombia and a capital markets lecturer since 2017. Renta y Capital brings together what works best to teach finance, from the first allowance to professional valuation. More about Camilo →

Recent articles

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Central bank

Banco de la República policy rate today: what it is and how it affects your investments

What the Banco de la República (Colombia’s central bank) monetary policy rate is, where it stands today, why it rises or falls and how it affects CDTs, loans, TES and investment funds in Colombia.

Comparisons

CDT or collective investment fund? Differences, risks and which to choose in Colombia

Differences between a CDT and a collective investment fund (FIC) in Colombia: return, risk, liquidity, fees, Fogafín deposit insurance and taxes. When each one makes sense.

Taxes

Taxes on a CDT in Colombia: withholding tax, the inflationary component and the 4-per-thousand tax

How much tax you pay on a CDT in Colombia: the 4% withholding tax, what the inflationary component is, the 4-per-thousand tax and how the returns are declared. With an example in pesos.

Rates

Effective annual vs. nominal rate: how to compare a Colombian CDT without mistakes

What the effective annual rate (E.A.) and the monthly nominal rate in arrears (N.M.V.) are, and how to convert one into the other to compare CDTs, loans and bonds in Colombia. With formulas and examples.