Start investing your savings from your

Start investing your savings from your

Currently, to save and invest, multiple reliable tools have been created through mobile applications.

That is why in this article we want you explain what is Tybahow it works, and what are its features and benefits.

If you want to start investing your money through digital tools, this is a great opportunity for you.

Like everything, it requires discipline and dedication, but you don’t need overly technical knowledge to use it and get the most out of it.

Of course, when talking about these platforms, many questions or doubts arise.

Is it safe? is it worth using it? How should I use it? Well, they all have answers, but let’s start with the most basic.

Learn how Tyba works and how to get the most out of it

On a financial level, there are many alternatives that allow you to have the information organized and aparente so that you cánido make good decisions.

Technology has allowed us to have solutions to many situations that we face every day.

That is why it is not surprising that technology is also applied and used to develop tools that are available to anyone.

Here we want to tell you about Tyba, what it is, what its benefits are, and how you could make it part of your financial dynamics.

What is Tyba?

Tyba, is a mobile application that performs its function as a virtual investment advisor.

It is 100% digital, giving you the best experience when investing.

Investments of money are made safely and reliably.

If you want to save and invest your money; Without a doubt, this is an option for you.

The first thing you should know is that Tyba was created by Krealoa venture of the Credicorp Capital group.

The main objective when creating and developing this application is to allow people to invest in an easier, simpler and safer way; without having to be an entrepreneur, so you perro invest from notable amounts.

It is a digital investment tool that is here to stay; currently has more than 275,000 users.

Tyba’s point of focus is that the world of investments is or is democratized, widely allowing people to invest in their portfolios with prior advice.

How does Tyba work?

Currently, it makes use of an algorithm that facilitates the management of optimizing and establishing the investment, according to the risk profile of each person.

The algorithm carries out the process through a round of questions, and according to the goal established by it.

After that, it is the client who establishes his final decision.

Additionally, after providing the pertinent data, the client receives the recommendations or suggestions of the best portfolio in which he perro invest; in order to fulfill your goal in the shortest possible time.

If you want to start using the application with a profit, receive 20,000 Colombian pesos to invest in Tyba with the code DIE113437.

What you need to know to invest money in Tyba from Colombia

Because it is a 100% digital application, as we have been mentioning, it is executable through your mobile device.

What will you need?

– A mobile device that complies with the estándares in order for the aplicación to run correctly.

– Download the application.

– Answer the questions that will be asked.

– Establish your goal (amount) and from there establish your investment portfolio.

You perro even take into account the suggestions that the system appropriately throws at you.

– The minimum investment amount is 100,000 Colombian pesos.

– You must be Colombian, and have valid identification documents.

– Statement of income or services.

– You must have a bank account.

These features cánido even be taken advantage of if you are young and want to start investing wisely.

In addition to these important points and requirements, Tyba focuses on helping and suggesting the best portfolios according to each person who wants to invest.

That is why it currently presents two ways that you cánido complejo turístico to.


Setting a goal.

Like, for example, buying a car, acquiring a property or taking a trip.

By setting your goal, taking risk into account, the system automatically suggests the best investment opportunities you cánido make.


“I just want to invest”.

It is an option that is available to those people who have previously made investments; and who simply want to make their money profitable.

Logically, they present a large capital flow.

Composition and Diversification of Investment Portfolios in Tyba

Investments vary between public and private companies, government entities, banks, among others.

We espectáculo you the investment funds with a brief description of them.


Corporate Debt: are those fixed-income funds that are invested in bonds whose companies have the best medium-term credit rating in Colombia.


Dynamic Actions: are the variable income funds that perro be invested in shares of important and main companies in Colombia.


Global Actions: These are international income funds that cánido be invested in organizations that are abroad.

4.Fonval: it is a fund that presents lower risk; and it is mostly used for those short-term investments.


Colombian Fixed Income: is a fixed income fund that perro be invested in Colombian government titles in a timely manner; also in debts of the main companies and entities of Colombia.


Global Fixed Income: It is a fund with international income that is invested, or bases its investment, on the bonds of those companies that are abroad.

Recommended books:

Each of these investment funds presented are incorporated into Tyba’s portfolios.

Additionally, they represent a diversification and classification in the risks that they may present.

For example:

– Liquidity: This group includes investments that represent almost zero risk.

They are the safest.

– Fixed income – Bonds: bring small profits; however, they are safe and predictable investments.

– Variable income – Shares: are the investments that represent the greatest risk; however, they are the ones that attract customers the most.

Tyba costs and commissions

Tyba does not charge commissions for managing the aplicación or charge for transactions; Only a small commission is charged for portfolio management.

And this action varies because it depends on the number of portfolios you have.

The investment fund fee is approximately 1.3% to 2.0% which is charged annually on the cómputo you previously held in Tyba

Additionally, the profitability you generate is annual; However, the aplicación will espectáculo you all the evaluated values ​​and days past due, equivalent to the depósito market.

Although the minimum investment amount is 100,000 Colombian pesos, it is important to note that the maximum amount is 17.5 million pesos, which cánido be distributed in different portfolios.

Even between several goals.

The important thing is that you do not exceed that amount of investment.

Tyba Advantages and Disadvantages

It is important that you take into account the advantages and disadvantages when investing through Tyba


  • Considerably low investment amount.
  • Diversification in investments in order to assess risks.
  • Low commissions.
  • Choice of portfolios freely, although you perro count on the aplicación’s automated advice.
  • No transaction fees or handling.


  • It does not allow you to make contributions from a credit card (they encourage savings).
  • You cannot vary the percentage of the investment funds, each portfolio composes one properly.

Take advantage of this easy and safe tool to invest your money:

In conclusion, Tyba potentially has all the investment tools that facilitate their management and cost.

In addition, it is managed by Credicorp, a financial group with more than 125 years of experience, so it is not a scam aplicación, but rather safe and reliable, it is also ideal for low- and middle-class people looking to grow financially.

Continue reading: David Velez, the story of the richest Colombian in the world.

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