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April 15, 2025
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How to take care of money in times of uncertainty?

Economic dynamics of the private sector do not overcome stagnation

One of the priorities that has emerged among investors in these times of fear and economic instability is They have shown the different stock markets in the world, before the announcements of the United States and China.

Proof of this is observed in the recent fall of the stock exchanges internationally, as well as in the recoil of 13% of the Standard & Poor’s 500 index and the collapse of Bitcoin, which have been interpreted by analysts as clear signs of a global financial environment in full tension.

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To this is added the strong devaluation of the Colombian weight in recent weeks, which forces to rethink strategies to protect and grow money in more stable coins. Not in vain the local currency has yielded $ 400 against the dollar and $ 500 in front of the euro, a situation that generates challenges against the risks of volatility in financial markets or as happens with cryptocurrencies.

Iván Torroledo, economist and co -founder of Littio, adds to this that the international macroeconomic panorama continues to generate warning signs, so Goldman Sachs, one of the most influential investment banks in the world, has recently raised The probability of a US recession from 35% to 45% in the next 12 months.

“For its part, JP Morgan estimates a 60% probability of a recession in both the US and globally, driven in part by the return of protectionist policies such as tariffs announced by Donald Trump,” he said.

Economic recession

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Take care of money

In this context, the diversification of savings in assets called In strong currencies, such as the dollar or the euro, it charges an unprecedented relevance. The possibility of preserving the value of money and even obtaining real profitability is today more than ever a need.

“In a world where economic predictability is increasingly difficult to achieve, financial alternatives such as Littio are positioned as a safe and reliable refuge for savings, taking into account that allows Colombian users to save in dollars and access competitive interest rates, in addition to facilitating international transactions without hidden commissions,” Torroledo said.

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This analyst added that the possibility of accessing a flow of permanent resources in dollars and using it as a savings instrument not only protects against local devaluation, It also allows people to build a stronger financial future.

“It is important that young Colombians begin to think about their financial future proactively and with this type of platform it is possible to access this savings at any time or, better yet, see their money grow through our rewards,” said Iván Torroledo, of Littio.

Foreign exchange

Foreign exchange

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Thus, managing financial volatility today represents a significant challenge, But also an opportunity for those who make informed decisions, given that in a changing economic environment, both people and companies require efficient access to instruments that allow them to operate in foreign currencies, make international payments and protect their capital against exchange risks.

“At present, many homes and businesses face difficulties in understanding the real impact of their financial decisions or to implement strategies that reduce their risk exposure. Therefore, it is key to have tools and guidance that facilitate strategic planning, especially in contexts of high uncertainty,” said the economist.

In an interconnected world, monitoring variables such as the decisions of the Federal Reserve, the local fiscal policy or the evolution of the energy market becomes fundamental. Understanding these factors allows them to anticipate changes and adapt investment, coverage or savings strategies, in order to preserve and Optimize available resources to economic instability scenarios.

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