5 Ways to Generate Passive Income in Colombia

[00:01] someone on social media telling you that you can earn millions without doing absolutely anything? The truth is, passive income has become such a trendy term that it seems like anyone can promise to make you a millionaire

[00:13] while you sleep, right? Between you and me, that's really far from the truth. Real passive income isn't money that just falls from the sky and that's it. These are incomes that you generate with an initial investment of time, money, or

[00:27] even both, and that then require very little maintenance on your part. But be aware, and this is super important, little maintenance does not mean zero work. I'm going to give you an example that you'll surely understand perfectly. Imagine you

[00:41] buy an apartment to rent out, and once it's ready and you receive that monthly payment, that rent, that income every month without having to work 8 hours a day to receive it.

[00:54] But that doesn't mean you'll never have to worry about anything else. From time to time, you'll have to fix something, find a new tenant because the current one is leaving, check that everything is working properly, and that's precisely what

[01:06] I call semi-passive income, which is the most realistic thing we can really achieve in Colombia and anywhere in the world. And this is where I want to be super honest with you. If someone is promising you that you'll make money without

[01:19] likely just selling you a load of nonsense. And it's not that generating passive income is impossible. In fact, sometimes it's easy, but we do need to have realistic expectations and understand that it will require an

[01:32] initial investment, whether it's time learning, money to start with, or both. For example, if you have one million pesos to invest in a CDT, which by chance you still find today with an effective annual rate of 12%

[01:44] , it will generate about 120,000 pesos per year, which is 10,000 pesos per month. Are they passive income? Will they change your life? Probably not, but it's a start and it's something real, it's not just something that's being painted over by little birds and that's it. That's why

[01:57] these five ways, but I really have to be honest with you, going more to the passive topic, there are two passive ones. The rest are semi-passive because they will require some investment of time, some effort on your part.

[02:12] prefer that you know this upfront, unlike other content where , look, you don't have to do anything at all." And we're going to super easy, it's what many people fall into. Let's start with the first and

[02:26] savings accounts and CD tests. And this is one of the ways I'm telling you yes, it's 100% passive. Because? Because here we depend on the only thing that is important in the matter income, the money we already have. For example, here in the

[02:40] savings account you say, "I have 10 million pesos", you put 10 million 'm not promoting him at all. You can do this with Nu, you can do it just that here they have the two products shown here, account and CDT, and it's

[02:53] I'm not saying that PBAN has to be used , nor Nu, nor Lulo, nor B best. But anyway, the point here is that I say, okay, I put in 10 that it will generate an annual return of 1,200,000 pesos after deducting the withholding tax

[03:07] of 11,116,000 pesos. And as I mentioned before, if we open the calculator here, take this 11,116,000 pesos and divide it by 12 months, it gives us 96,666 pesos. If this is going to change our lives, who

[03:22] knows, if someone earning 97,000 pesos a month , it's practically going to change their people going around thinking that they just click two times on a website and they'll get $50,000 a month. And that's not the case. The other thing within

[03:36] point number one, are CDs that work practically the same do the same calculation here as well. We say that in a year, for example, they will pay us the the 10 million pesos. And here it tells us that then the withholding tax

[03:51] money we are going to receive. We remind you that in this regard, specifically speaking of security, we have Fogaf deposit insurance pesos in case something happens to the bank, and when we say something, we mean

[04:05] practically if it goes bankrupt. So, well, there we have this in mind as the first form of passive income, truly passive, because it's something very obvious, something you've probably already considered,

[04:18] redundant phrase, and we start thinking about passive income, supposedly, in n't have to do absolutely anything beyond putting in your money and that's it, not not going to do anything. Here you just put your money in, then receive your money and that's it, you

[04:33] already have your passive income secured. Obviously, what will amount of silver. I'm putting in here, let's go back to the account that , which by the way, that's not going to be guaranteed forever, but

[04:46] let's suppose that here instead of me putting in the 10,000,000 I had put in, I put in 50. So, here we're already talking about 5,580,000. And if we open the calculator again here and enter 5,580,000

[04:58] and divide this by 12, we realize that monthly it would be 465,000. managing an apartment you own or something like that; it's simply money that will help you monthly as support. And as you can see

[05:12] important thing is that many times passive income is sold in a way that says, no, you start with $10, with 20,000 pesos, generate millions for you, and that's where the vast majority of people fall for scams.

[05:26] 're seeing here? Above all, generating an income, that is, us through our work or activities we carry out. The more income we have—I know this sounds obvious, but the more income we have, the more capital we have

[05:39] available—the greater the return we'll have, and the more sense this whole passive income thing will make. Because clearly, if I go here and run a simulation again, and someone, by chance, wants to put 100

[05:52] million pesos into this account, which they can do, but if keep that in mind. You can put in here as much as you tell you, "No, no, no, no, no, no. What do you mean? 500

[06:05] . However, you have to take into account the support and here it's already 11,160,000, which if we open the calculator again here, 11,160,000, and we put this between 12 months,

[06:19] then per month it's practically almost 1 million pesos. Well, once we accept this and the minimum starts to arrive, remember that there's the UGPP thing, which is the social security issue and that for receiving a

[06:31] but that's another topic. Now let's move on to the second way, buying a small, up-to-date business. This is the second way to generate 100% passive income, but it also requires an initial effort. What do I mean

[06:46] by this? Often we have capital, but we don't know where to invest it, we don't know what to do with that money, and what better than to investigate these operating businesses, that already have numbers, that can already demonstrate how they

[06:59] well or not, and you acquire it and since the business will already be for example, this bakery will already have its baker, it will already have the people who working and the only thing you have to do is contribute capital. But be careful,

[07:13] because obviously, we have to be very careful here. If you, for example, are someone who doesn't know how to analyze a company, its numbers, its financial statements, and you go and look around, like, "I

[07:26] and you go and look around, like, "I want to buy this restaurant over here," and you go and look, and it turns out that everything is fine, everything is really nice, the atmosphere is fantastic, but you buy it and then

[07:40] while you realize that the business is in the red, that it's in an area where, I don't know, there's construction going on and nobody goes there, that the place has had a very bad reputation before, so

[07:53] practically just lost all your money. So, it's not simply a going to put it here and that's it. In other words, we need to see that the cash flow is obviously positive, that it's really generating a good return, and if possible, that

[08:08] , automated—not automated with all which is a very fashionable term, but automated in the sense that, for example, this pharmacy already has people who run it,

[08:21] people who are trustworthy, and that if the person running it isn't available in the future, you know where to find more supplies. There are many points to video we'll cover it in this way to discuss passive income.

[08:33] Obviously, as I said, it's not that easy, it's not as simple as me going to go businesses here, then come here and say, "Oh, well, I want to buy ready, great, beauty salon, gym, awesome, it doesn't have many other points,

[08:49] but once you've carried out that whole process , from then on we could talk about something 100% passive, beyond certain things you'll have to take into account. passive income is also found within MercadoLibre, but also here in a

[09:03] remember we have courses, the digestible finance course, the course on anywhere in the world, and the course on making money from YouTube, although this last one is . Let's continue, let's take the

[09:16] mainly for this finance plus channel, where I talk about all things financial, How it works, how to take advantage of it. Well, here you'll find Now let's go up here. I created this course

[09:28] practically all the information is still up-to-date. I've only made a couple of some things changed, but otherwise, it's a course that sells itself automatically. I making sure all the information was as current as possible so it would remain relevant

[09:43] over time. Although, whenever something comes up—I don't politics, government, the economy, etc.—I come here and change and update it, obviously, but it's just a minor adjustment,

[09:57] because I know that with many other types of content, a lot of people say, "No, you have to sell people say, "But what course am I going to sell if I don't know anything about this?" Well , let's take it a little further. Knowledge. I've seen this here, like

[10:10] Colombia, about a gasoline additive to increase octane and I don't know what else what I do know is that it seems like way too much advertising for this, and I know it's a product that someone probably developed in

[10:24] distributing it, and beyond that, they're only concerned with through advertising, through content on social media, and that's it. And it's show you this in the next point, you upload once and from

[10:39] constantly receive sales from it. So, it's pretty great, let's say, it's passive income, but not entirely. So, what I'm getting at is, do with all this, thinking that if you see content like this , you'll always see, "Take

[10:53] courses, sell ebooks, sell things like that," and you think, "But now we're all going to be..." ebook sellers, and digital product sellers. The point is, if you work in engineering, mechanics,

[11:08] electronics, advertising, accounting, design—well, can develop from that field. It could be a physical product, or it could be a basically what you're

[11:22] saying is that I started a business, and that doesn't generate passive income at all." But no, we're really talking about focusing on a product that doesn't take up your main activity, whether it's physical or digital, and that aligns with

[11:36] your profession. Or, if you don't have a specific profession, or if is perfectly normal—then focus on something you enjoy and see what you can develop that others can pay you for because you have that

[11:49] or content that other people don't have. Others would pay to get that idea is that, starting with that product, you simply share it through social networks or on certain websites, and that's it. And that's how you reach a point of

[12:04] you might say, "I don't know, I'm going to build a whole business sell other things, personalized consulting." And it may be that if you later want to leave that job, and it wo n't be a passive income, but rather an

[12:17] income to which you dedicate 100% of your time. However, as a starting point, it can be a very good source of passive income in the future. The next format is digital content, This whole TikTok thing, this whole Instagram thing, and these are all well and good, but

[12:30] for the networks where you can really generate passive income, one of them is YouTube, or rather , practically the only one. can upload a video or well, for those who don't know, I dedicate myself 100% to this.

[12:43] YouTube channels and I help other people grow their channels, but not simply that most people think, but business-related topics. So if take it to YouTube, I support them in that and help them and tell them how to

[12:57] customers. But what YouTube has today is that I can upload, have uploaded a video in 2020 about, let's say, finance, about something related to BanColombia, and if that video or that information is still relevant today

[13:10] in 2025, that video will still generate views and if we talk about TikTok and Instagram, for example, in Colombia, to generate income, almost the only way is through advertising, where brands approach you

[13:24] this action, upload this story, upload this post, upload this video, blah blah blah and that's it." That's something done actively. Here I'm going to show you secondary channel because this is the secondary channel of Finanzas Plus, which is more about

[13:37] that I don't talk about here on Finanzas Plus, where I talk more about financial education and investments. There you can create content about credit cards, financial news, and all that kind of stuff. But anyway, look at this.

[13:50] upload as much content. Look, I uploaded one, two, three videos. Then in May was a month where I decided to upload one, two, and three videos. And it's June, I haven't uploaded any and I've uploaded very few videos, but what it adds is that before I had

[14:04] uploaded many more in a month, but all those videos from the past generate income for me today. I mean, look, I dedicated, I don't know, maybe we could say that for those videos, about six or eight hours of my life, to generate those

[14:16] videos that I published, for example, in May, whether it was research, Ready. And that's what made not just those made over time, which to this day generate what you see here:

[14:28] $426 monthly. This isn't something fixed; I would really have to create a detailed explanatory content for you to I know that if during this month I decide not to upload any videos

[14:41] and just stick with the videos from the past where I uploaded previously, this will surely not go below $300 in a month, and I know this because I already have the all the stuff. Now, if this is practically a job and it's also

[14:54] semi-passive, because as I say, in what job, for example, in things in one month and the next month you say, "Oh, I'm only going to go for 4 days," the videos I made. Let's say I worked for 4 days because I made four videos

[15:08] well, don't worry, I'll keep paying you, I'll keep giving you your money." No? job, but a semi-passive income, because you do have to make an effort, but once you know how to organize it and position it well, let's say that

[15:21] several months or several days, several weeks without uploading content and it will still 'm not saying this exact amount, no, it can be more, it can be less, you have to have just one of my channels. This isn't the main channel, and you've already

[15:35] another channel, but anyway, it's basically so you understand that point. And we move on to the last passive income stream, which is clearly real estate. And I could explain the issue of no right away, because you can buy an

[15:47] that's in thousands of books and that really seems to me to be something very now, I mean, easy in the sense look at it depending on each person's situation. Sometimes they

[16:00] try to explain it to you as an ancient technique and something super crazy that does even though the phrase " you buy one apartment and then buy another" is a cliché, it's actually very good and has become so popular because it's

[16:13] you have the capital, it's obviously easy to do. It's as simple as buying an apartment, obviously after studying the area and the appreciation and then I buy it, I rent it out. After that rental, I did take out

[16:26] a loan to pay for that apartment. So, that rent helps me pay off the loan, and later I sell it after it's appreciated in value. Then I can buy

[16:40] another apartment. If, for example, I didn't sell the first one but mortgaged it or rent from the first apartment plus the rent from the second will give me enough money to move up and buy either a better

[16:53] place, or not just two apartments, but a whole house, or to generate that passive income consistently. This all sounds very nice, but if we don't have enough capital to achieve it, it won't be as easy

[17:06] as it's often made out to be. So that's why I pointed it more towards this fractional investment in real estate from Finca Ray and through Bricksafe, which another platform that has

[17:18] rent, whether by flipping, whether well, different ways to invest and here you see the profitability. But like everything else, this platform seems BrickSafe's too. But like everything, there's one

[17:31] thing: it's like when you're going to buy an apartment or , always trying to make it the best it can be, and then just when you've done everything and calculated everything perfectly, a problem comes up in the building. I do

[17:46] n't know, the company doing all the work says the pipes are damaged, or something like that , and your whole plan is completely ruined . It works the same way here. platform always delivers. I've seen too many opinions, people who

[17:59] platform and have had a great experience, but obviously, even though I won, for example, in a hypothetical case, will surely appreciate in value, make a lot of money, be rented out, well, etc., etc. And it turns out that right around those dates the

[18:14] went bankrupt, to give an example, and then you say, "Oh, well, I didn't expect this." And that's results. So, well, it's something to keep in mind. Regardless of that this risk is not only present when investing in platforms

[18:28] like Troop, Macondo, or Brick Safe, but also when doing it ourselves. which, although it's made out to be very easy, requires some research as well. talking about passive income. So, initially, we would have to

[18:42] platforms it's very easy because you deposit and then just sit back and care of absolutely everything. But if you're going to do it yourself with your own property, if you're going to buy one, a house, an apartment, an office,

[18:55] of research, maintenance, and taxes. So, these are things to keep in mind: it's not 100% passive, as I was saying, it's semi-passive. But through practically 100% passive because you put your money in, obviously assuming a

[19:10] well, here they give us a return, but perhaps if we did it on our own we much higher return. But, well, we simply put the money in case good return and we stay put. In fact, look at the good

[19:23] is because they have recently launched it, but look at these development projects, housing portfolio. development. These are at 100%, meaning they have already people are about to invest, they can no longer do so and have to wait for those who

[19:36] invested in this to sell their position if they want to do so. So, if they do This, I've always seen it as 100%. This Oxo one is for rent, you get there and you don't have to do anything else. Yes, we can achieve

[19:50] arms are so worn out, doing absolutely nothing. So, it's an next time. I hope you enjoyed this video, and if you'd like me to do these ways to generate income and all of this, please leave a comment.

[20:05] , or whatever you want to call it, so we know who made it this far in the video. Ciao. [Music]