{"id":6145,"date":"2026-08-21T09:32:57","date_gmt":"2026-08-21T14:32:57","guid":{"rendered":"https:\/\/habitudes.co\/?page_id=6145"},"modified":"2026-08-24T11:26:14","modified_gmt":"2026-08-24T16:26:14","slug":"elementor-6145","status":"publish","type":"page","link":"https:\/\/habitudes.co\/elementor-6145\/","title":{"rendered":"ALM"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6145\" class=\"elementor elementor-6145\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e388258 e-flex e-con-boxed e-con e-parent\" data-id=\"e388258\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-431809b e-con-full e-flex e-con e-child\" data-id=\"431809b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e61c683 e-con-full e-flex e-con e-child\" data-id=\"e61c683\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"e381565\" id=\"6239\" src=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono37.png\" width=\"313\" height=\"313\" srcset=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono37.png 313w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono37-300x300.png 300w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono37-150x150.png 150w\" alt=\"\"\/>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d45ee82 e-con-full e-flex e-con e-child\" data-id=\"d45ee82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0992193 e-con e-atomic-element e-flexbox-base e-0992193-f6618cc \" data-id=\"0992193\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0992193\">\n    \t\t\t<p class=\"e-eb64461-e720285 e-paragraph-base\" data-interaction-id=\"eb64461\">CONSULTOR\u00cdA FINANCIERA<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"5a2cf57\" class=\"e-5a2cf57-e7d8180 e-heading-base\">Asset Liability Management (ALM)<\/h2>\n\t\t\t\t\t<p class=\"e-819ebf0-98f6692 e-paragraph-base\" data-interaction-id=\"819ebf0\">Asesoramos a aseguradoras en la optimizaci\u00f3n integral de sus portafolios: dise\u00f1amos arquitecturas de inversi\u00f3n alineadas con las reservas t\u00e9cnicas, actualizamos pol\u00edticas y evaluamos gestores y oportunidades.<br><br>Transformamos la gesti\u00f3n de inversiones de un mero requisito de cumplimiento a una ventaja competitiva: una estructura dise\u00f1ada para respaldar los pasivos, impulsar el crecimiento del negocio y maximizar el valor en toda la cadena de la compa\u00f1\u00eda.<\/p>\n\t\t\t\t\t<a href=\"#servicios\" target=\"_self\" class=\"e-6b3c384-6e07859 e-button-base\" data-interaction-id=\"6b3c384\">\n\t\tServicios de inversi\u00f3n\n\t<\/a>\t\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c75cb55 e-flex e-con-boxed e-con e-parent\" data-id=\"c75cb55\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"570eadf\" class=\"e-570eadf-f488d70 e-heading-base\">NUESTROS SERVICIOS<\/h2>\n\t\t\t\t\t<h2 data-interaction-id=\"24db087\" class=\"e-24db087-61ce762 e-heading-base\">Tres frentes de trabajo sobre el activo del balance<\/h2>\n\t\t\t\t\t<p class=\"e-58e423b-c6f0f30 e-paragraph-base\" data-interaction-id=\"58e423b\">Cada uno responde a una decisi\u00f3n distinta: c\u00f3mo estructurar el portafolio, bajo qu\u00e9 reglas gestionarlo y con qui\u00e9n invertirlo.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14d2b3a e-flex e-con-boxed e-con e-parent\" data-id=\"14d2b3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a12ba40 e-con-full e-flex e-con e-child\" data-id=\"a12ba40\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b80abf2 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"b80abf2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a6aca elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"a3a6aca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"314\" height=\"313\" src=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono11.png\" class=\"attachment-full size-full wp-image-6154\" alt=\"\" srcset=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono11.png 314w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono11-300x300.png 300w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono11-150x150.png 150w\" sizes=\"(max-width: 314px) 100vw, 314px\" \/><\/figure><div class=\"elementor-image-box-content\"><h2 class=\"elementor-image-box-title\">Consultor\u00eda ALM<\/h2><p class=\"elementor-image-box-description\">Dise\u00f1o de la arquitectura de inversi\u00f3n que calza el portafolio con los pasivos que buscan cubrir las reservas t\u00e9cnicas, para mejorar la optimizaci\u00f3n de capital y la exposici\u00f3n a los riesgos propios de cada ramo asegurado.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4a9fe33 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"4a9fe33\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee21f74 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"ee21f74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"313\" height=\"313\" src=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono21.png\" class=\"attachment-full size-full wp-image-6152\" alt=\"\" srcset=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono21.png 313w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono21-300x300.png 300w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono21-150x150.png 150w\" sizes=\"(max-width: 313px) 100vw, 313px\" \/><\/figure><div class=\"elementor-image-box-content\"><h2 class=\"elementor-image-box-title\">Pol\u00edtica de Inversi\u00f3n (IPS)<\/h2><p class=\"elementor-image-box-description\">Dise\u00f1o y evaluaci\u00f3n de pol\u00edticas ajustadas a las necesidades de la compa\u00f1\u00eda, bajo la regulaci\u00f3n colombiana, buenas pr\u00e1cticas de inversi\u00f3n y est\u00e1ndares internacionales.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3be25f e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"d3be25f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bee9d7 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"5bee9d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"313\" height=\"313\" src=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono42png.png\" class=\"attachment-full size-full wp-image-6153\" alt=\"\" srcset=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono42png.png 313w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono42png-300x300.png 300w, https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono42png-150x150.png 150w\" sizes=\"(max-width: 313px) 100vw, 313px\" \/><\/figure><div class=\"elementor-image-box-content\"><h2 class=\"elementor-image-box-title\">Due Diligence \/ Attribution analysis<\/h2><p class=\"elementor-image-box-description\">Evaluaci\u00f3n de gestores y oportunidades de inversi\u00f3n con recomendaci\u00f3n ejecutiva, y medici\u00f3n peri\u00f3dica del desempe\u00f1o del portafolio para verificar si la gesti\u00f3n est\u00e1 agregando valor.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9bae4d e-con e-atomic-element e-flexbox-base e-e5ebb96 \" data-id=\"e9bae4d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e9bae4d\">\n    <div class=\"elementor-element elementor-element-22c4038 e-flex e-con-boxed e-con e-parent\" data-id=\"22c4038\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"6fbbb16\" class=\"e-6fbbb16-71c4978 e-heading-base\">POR QU\u00c9 HABITUDES<\/h2>\n\t\t\t\t\t<h2 data-interaction-id=\"6551287\" class=\"e-6551287-67abb33 e-heading-base\">Razones para elegirnos como su aliado<br><\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-2f3241f e-flex e-con-boxed e-con e-parent\" data-id=\"2f3241f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8ff46b7 e-con-full e-flex e-con e-child\" data-id=\"8ff46b7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-336009b e-con-full e-flex e-con e-child\" data-id=\"336009b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e75eaad elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e75eaad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-shield-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M466.5 83.7l-192-80a48.15 48.15 0 0 0-36.9 0l-192 80C27.7 91.1 16 108.6 16 128c0 198.5 114.5 335.7 221.5 380.3 11.8 4.9 25.1 4.9 36.9 0C360.1 472.6 496 349.3 496 128c0-19.4-11.7-36.9-29.5-44.3zM256.1 446.3l-.1-381 175.9 73.3c-3.3 151.4-82.1 261.1-175.8 307.7z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSomos el Actuario Responsable de aseguradoras de vida y generales. Conocemos la naturaleza de los pasivos desde el c\u00e1lculo, y lo que necesita el portafolio de las aseguradoras.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf7e93e e-con-full e-flex e-con e-child\" data-id=\"cf7e93e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed53507 elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ed53507\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-medal\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M223.75 130.75L154.62 15.54A31.997 31.997 0 0 0 127.18 0H16.03C3.08 0-4.5 14.57 2.92 25.18l111.27 158.96c29.72-27.77 67.52-46.83 109.56-53.39zM495.97 0H384.82c-11.24 0-21.66 5.9-27.44 15.54l-69.13 115.21c42.04 6.56 79.84 25.62 109.56 53.38L509.08 25.18C516.5 14.57 508.92 0 495.97 0zM256 160c-97.2 0-176 78.8-176 176s78.8 176 176 176 176-78.8 176-176-78.8-176-176-176zm92.52 157.26l-37.93 36.96 8.97 52.22c1.6 9.36-8.26 16.51-16.65 12.09L256 393.88l-46.9 24.65c-8.4 4.45-18.25-2.74-16.65-12.09l8.97-52.22-37.93-36.96c-6.82-6.64-3.05-18.23 6.35-19.59l52.43-7.64 23.43-47.52c2.11-4.28 6.19-6.39 10.28-6.39 4.11 0 8.22 2.14 10.33 6.39l23.43 47.52 52.43 7.64c9.4 1.36 13.17 12.95 6.35 19.59z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUn equipo multidisciplinario que une la alta especializaci\u00f3n financiera de un CFA Charterholder con la profunda experiencia t\u00e9cnica de profesionales con designaci\u00f3n ASA y miembros de la Asociaci\u00f3n Colombiana de Actuarios (MACA).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-71b063f e-con-full e-flex e-con e-child\" data-id=\"71b063f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3f6d9e elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"c3f6d9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-archway\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M560 448h-16V96H32v352H16.02c-8.84 0-16 7.16-16 16v32c0 8.84 7.16 16 16 16H176c8.84 0 16-7.16 16-16V320c0-53.02 42.98-96 96-96s96 42.98 96 96l.02 160v16c0 8.84 7.16 16 16 16H560c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16zm0-448H16C7.16 0 0 7.16 0 16v32c0 8.84 7.16 16 16 16h544c8.84 0 16-7.16 16-16V16c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDesarrollo dentro del r\u00e9gimen de activos admisibles para reservas t\u00e9cnicas, consistente con la valoraci\u00f3n bajo IFRS 17.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97ad803 e-con-full e-flex e-con e-child\" data-id=\"97ad803\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf0a5f elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3bf0a5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-bar\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M332.8 320h38.4c6.4 0 12.8-6.4 12.8-12.8V172.8c0-6.4-6.4-12.8-12.8-12.8h-38.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h38.4c6.4 0 12.8-6.4 12.8-12.8V76.8c0-6.4-6.4-12.8-12.8-12.8h-38.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-288 0h38.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-38.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h38.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-38.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zM496 384H64V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tDominamos la normativa para el c\u00e1lculo y valoraci\u00f3n de reservas t\u00e9cnicas, e integramos ese proceso directamente con la estructuraci\u00f3n de portafolios.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-facf5f6 e-con e-atomic-element e-flexbox-base e-facf5f6-12c00a8 \" data-id=\"facf5f6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"facf5f6\">\n    <div class=\"elementor-element elementor-element-0559c33 e-flex e-con-boxed e-con e-parent\" data-id=\"0559c33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<a href=\"https:\/\/habitudes.co\/equipo-actuarial\/\" target=\"_self\" class=\"e-29b75ee-4a2f7d1 e-button-base\" data-interaction-id=\"29b75ee\">\n\t\tEquipo actuarial<br>\n\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-178e8f0 e-flex e-con-boxed e-con e-parent\" data-id=\"178e8f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<h2 data-interaction-id=\"1b4d985\" class=\"e-1b4d985-9bd4e48 e-heading-base\"><\/h2>\n\t\t\t\t\t<h2 data-interaction-id=\"8667c73\" class=\"e-8667c73-0bcf9be e-heading-base\" id=\"servicios\">Un servicio para cada necesidad<\/h2>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4d15ac e-flex e-con-boxed e-con e-parent\" data-id=\"e4d15ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-919fb32 e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"919fb32\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tabs_justify_horizontal&quot;:&quot;start&quot;,&quot;horizontal_scroll&quot;:&quot;enable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"152697650\" aria-label=\"Pesta\u00f1as. Abre elementos con Intro o Espacio, ci\u00e9rralos con Escape y navega con las fechas.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1526976501\" data-tab-title-id=\"e-n-tab-title-1526976501\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1526976501\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tConsultor\u00eda ALM\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1526976502\" data-tab-title-id=\"e-n-tab-title-1526976502\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1526976502\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tPol\u00edtica de Inversi\u00f3n\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1526976503\" data-tab-title-id=\"e-n-tab-title-1526976503\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1526976503\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tDue Diligence\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1526976504\" data-tab-title-id=\"e-n-tab-title-1526976504\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1526976504\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tAttribution Analysis\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1526976501\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1526976501\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-0d8084a e-con-full e-flex e-con e-child\" data-id=\"0d8084a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-569c8e4 e-con e-atomic-element e-flexbox-base e-9c4c6d7 \" data-id=\"569c8e4\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"569c8e4\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"6b9ce54\" id=\"5275\" src=\"https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138.jpg\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138.jpg 2560w, https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138-300x200.jpg 300w, https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138-1024x683.jpg 1024w, https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138-768x512.jpg 768w, https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138-1536x1024.jpg 1536w, https:\/\/habitudes.co\/vumafic\/2024\/01\/pexels-sam-forson-243138-2048x1366.jpg 2048w\" alt=\"\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-fc2ecd9 e-con e-atomic-element e-flexbox-base e-182868a \" data-id=\"fc2ecd9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fc2ecd9\">\n    \t\t\t<p class=\"e-8b869b3-5d8a638 e-paragraph-base\" data-interaction-id=\"8b869b3\">Trabajamos el ALM en tres niveles.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8e57ca elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b8e57ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<h2 data-interaction-id=\"0bec65b\" class=\"e-0bec65b-c9d3dbc e-heading-base\">Nivel 1 \u00b7 Inmunizaci\u00f3n<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-71eca93 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"71eca93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<h2 data-interaction-id=\"cd83560\" class=\"e-cd83560-f51a8c8 e-heading-base\">Nivel 2 \u00b7 Cash flow matching<\/h2>\n\t\t\t\t<div class=\"elementor-element elementor-element-974ae74 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"974ae74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<h2 data-interaction-id=\"e10e725\" class=\"e-e10e725-2973124 e-heading-base\">Nivel 3 \u00b7 Riesgos no financieros<\/h2>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1526976502\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1526976502\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-d0133ac e-con-full e-flex e-con e-child\" data-id=\"d0133ac\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8c9d34e e-con e-atomic-element e-flexbox-base e-05bcac2 \" data-id=\"8c9d34e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8c9d34e\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"149c0aa\" id=\"4880\" src=\"https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19.jpg\" width=\"2560\" height=\"1846\" srcset=\"https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19.jpg 2560w, https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19-300x216.jpg 300w, https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19-1024x738.jpg 1024w, https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19-768x554.jpg 768w, https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19-1536x1108.jpg 1536w, https:\/\/habitudes.co\/vumafic\/2023\/10\/insight19-2048x1477.jpg 2048w\" alt=\"\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-e9448b5 e-con e-atomic-element e-flexbox-base e-ab78b24 \" data-id=\"e9448b5\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e9448b5\">\n    \t\t\t<p class=\"e-e0d9538-1d02a33 e-paragraph-base\" data-interaction-id=\"e0d9538\"><strong id=\"e-mt0kjq4l-hutv53b\">Dise\u00f1o o actualizaci\u00f3n<\/strong> de la Pol\u00edtica de Inversi\u00f3n, alineada con el Decreto 2555 de 2010, las instrucciones de la SFC y pr\u00e1cticas internacionales.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-88bb079 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"88bb079\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-2156910-f6e2792 e-paragraph-base\" data-interaction-id=\"2156910\"><strong>Definici\u00f3n de objetivos, restricciones y l\u00edmites<\/strong> por clase de activo, emisor, plazo, moneda y calidad crediticia.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-48fb752 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"48fb752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-983830d-cd2df8a e-paragraph-base\" data-interaction-id=\"983830d\"><strong>Evaluaci\u00f3n de clases de activo adicionales<\/strong> dentro del r\u00e9gimen de admisibles, incluidos bienes ra\u00edces productivos (numeral 3.10, Art. 2.31.3.1.2).<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-6029b90 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6029b90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-10cec2a-de52cc5 e-paragraph-base\" data-interaction-id=\"10cec2a\"><strong>Modelaci\u00f3n del impacto<\/strong> de la pol\u00edtica propuesta sobre liquidez, rentabilidad esperada y consumo de capital.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-59ba717 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"59ba717\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-39a900a-b4f1c4b e-paragraph-base\" data-interaction-id=\"39a900a\"><strong>Documento<\/strong> listo para presentaci\u00f3n a Junta Directiva, auditor\u00eda interna y regulador.<\/p>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1526976503\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1526976503\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-71b4af9 e-con-full e-flex e-con e-child\" data-id=\"71b4af9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d48bd2f e-con e-atomic-element e-flexbox-base e-c4732d2 \" data-id=\"d48bd2f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d48bd2f\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"2a764ee\" id=\"5604\" src=\"https:\/\/habitudes.co\/vumafic\/2023\/11\/No22-1.jpg\" width=\"1000\" height=\"637\" srcset=\"https:\/\/habitudes.co\/vumafic\/2023\/11\/No22-1.jpg 1000w, https:\/\/habitudes.co\/vumafic\/2023\/11\/No22-1-300x191.jpg 300w, https:\/\/habitudes.co\/vumafic\/2023\/11\/No22-1-768x489.jpg 768w, https:\/\/habitudes.co\/vumafic\/2023\/11\/No22-1-20x13.jpg 20w\" alt=\"\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-3375e61 e-con e-atomic-element e-flexbox-base e-9ac649c \" data-id=\"3375e61\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3375e61\">\n    \t\t\t<p class=\"e-31f66be-14c2a5f e-paragraph-base\" data-interaction-id=\"31f66be\">Due Diligence<br><\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-907a327 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"907a327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-8b2e770-3fd86ce e-paragraph-base\" data-interaction-id=\"8b2e770\"><strong>Evaluaci\u00f3n de gestores y oportunidades de inversi\u00f3n<\/strong> frente a los requisitos y restricciones de la compa\u00f1\u00eda, revisando veh\u00edculo, comisiones, liquidez, riesgos asociados y admisibilidad para respaldar reservas t\u00e9cnicas.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4b102a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d4b102a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-292605b-9e2b2c4 e-paragraph-base\" data-interaction-id=\"292605b\"><strong>Evaluaci\u00f3n de portafolios e inversiones en curso<\/strong>, para verificar si siguen siendo consistentes con la Pol\u00edtica de Inversi\u00f3n y con el perfil de los pasivos que respaldan.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfe7353 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"dfe7353\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-2b3efc4-d33bbcd e-paragraph-base\" data-interaction-id=\"2b3efc4\"><strong>Informe ejecutivo<\/strong> con una recomendaci\u00f3n expl\u00edcita y sustentada, contrastada con alternativas comparables del mercado local y apta para llevar directo al comit\u00e9 de inversiones.<\/p>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1526976504\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1526976504\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-4bf11db e-con-full e-flex e-con e-child\" data-id=\"4bf11db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-128df13 e-con e-atomic-element e-flexbox-base e-128df13-16292e7 \" data-id=\"128df13\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"128df13\">\n    \t\t\t<img loading=\"lazy\" decoding=\"async\" class=\"e-image-base \" data-interaction-id=\"89e9562\" id=\"4810\" src=\"https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694.jpg\" width=\"2560\" height=\"1707\" srcset=\"https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694.jpg 2560w, https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694-300x200.jpg 300w, https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694-1024x683.jpg 1024w, https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694-768x512.jpg 768w, https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694-1536x1024.jpg 1536w, https:\/\/habitudes.co\/vumafic\/2023\/09\/pexels-yan-krukau-7691694-2048x1366.jpg 2048w\" alt=\"\"\/>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-ee8efd8 e-con e-atomic-element e-flexbox-base e-ee8efd8-93a5bb3 \" data-id=\"ee8efd8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ee8efd8\">\n    \t\t\t<p class=\"e-b5e39da-44de892 e-paragraph-base\" data-interaction-id=\"b5e39da\">Attribution analysis<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-88c91e4 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"88c91e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-f1a84c3-28eb893 e-paragraph-base\" data-interaction-id=\"f1a84c3\"><strong>Evaluaci\u00f3n peri\u00f3dica de la gesti\u00f3n del portafolio<\/strong>, descomponiendo el resultado en sus tres fuentes para establecer de d\u00f3nde viene el desempe\u00f1o y si las decisiones fueron acertadas.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-a56dd68 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a56dd68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-db4e029-6cfc211 e-paragraph-base\" data-interaction-id=\"db4e029\"><strong>Allocation<\/strong>: cu\u00e1nto aport\u00f3 la distribuci\u00f3n del portafolio entre clases de activo frente al referente definido en la Pol\u00edtica de Inversi\u00f3n.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-76ca0cd elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"76ca0cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-2a8caa1-e1092e3 e-paragraph-base\" data-interaction-id=\"2a8caa1\"><strong>Selection<\/strong>: cu\u00e1nto aport\u00f3 la elecci\u00f3n de instrumentos espec\u00edficos dentro de cada clase.<\/p>\n\t\t\t\t<div class=\"elementor-element elementor-element-21b0e47 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21b0e47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<p class=\"e-c805a6d-595f35b e-paragraph-base\" data-interaction-id=\"c805a6d\"><strong>Timing<\/strong>: cu\u00e1nto aport\u00f3 el momento en que se ejecutaron las decisiones de compra y venta.<\/p>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ee6c1b e-con e-atomic-element e-flexbox-base e-8ee6c1b-4d51a5a \" data-id=\"8ee6c1b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"8ee6c1b\">\n    <div class=\"elementor-element elementor-element-96fd9de e-flex e-con-boxed e-con e-parent\" data-id=\"96fd9de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<a href=\"https:\/\/habitudes.co\/contacto\/\" target=\"_self\" class=\"e-3a8f3f2-b34046f e-button-base\" data-interaction-id=\"3a8f3f2\">\n\t\tMe interesa\n\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>CONSULTOR\u00cdA FINANCIERA Asset Liability Management (ALM) Asesoramos a aseguradoras en la optimizaci\u00f3n integral de sus portafolios: dise\u00f1amos arquitecturas de inversi\u00f3n alineadas con las reservas t\u00e9cnicas, actualizamos pol\u00edticas y evaluamos gestores y oportunidades. Transformamos la gesti\u00f3n de inversiones de un mero requisito de cumplimiento a una ventaja competitiva: una estructura dise\u00f1ada para respaldar los pasivos, impulsar [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6145","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ALM -<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/habitudes.co\/elementor-6145\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ALM -\" \/>\n<meta property=\"og:description\" content=\"CONSULTOR\u00cdA FINANCIERA Asset Liability Management (ALM) Asesoramos a aseguradoras en la optimizaci\u00f3n integral de sus portafolios: dise\u00f1amos arquitecturas de inversi\u00f3n alineadas con las reservas t\u00e9cnicas, actualizamos pol\u00edticas y evaluamos gestores y oportunidades. Transformamos la gesti\u00f3n de inversiones de un mero requisito de cumplimiento a una ventaja competitiva: una estructura dise\u00f1ada para respaldar los pasivos, impulsar [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/habitudes.co\/elementor-6145\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-24T16:26:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/habitudes.co\/vumafic\/2026\/08\/Icono37.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@habitudesco\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/\",\"url\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/\",\"name\":\"ALM -\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/habitudes.co\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Icono37.png\",\"datePublished\":\"2026-08-21T14:32:57+00:00\",\"dateModified\":\"2026-08-24T16:26:14+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/#primaryimage\",\"url\":\"https:\\\/\\\/habitudes.co\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Icono37.png\",\"contentUrl\":\"https:\\\/\\\/habitudes.co\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/Icono37.png\",\"width\":313,\"height\":313},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/elementor-6145\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/habitudes.co\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ALM\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/#website\",\"url\":\"https:\\\/\\\/habitudes.co\\\/\",\"name\":\"habitudes.co\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/habitudes.co\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/#organization\",\"name\":\"habitudes\",\"url\":\"https:\\\/\\\/habitudes.co\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/habitudes.co\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/habitudes.co\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo-gp.png\",\"contentUrl\":\"https:\\\/\\\/habitudes.co\\\/wp-content\\\/uploads\\\/2023\\\/07\\\/logo-gp.png\",\"width\":1822,\"height\":1580,\"caption\":\"habitudes\"},\"image\":{\"@id\":\"https:\\\/\\\/habitudes.co\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/habitudesco\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/habitudes-co\\\/?viewAsMember=true\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ALM -","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/habitudes.co\/elementor-6145\/","og_locale":"es_ES","og_type":"article","og_title":"ALM -","og_description":"CONSULTOR\u00cdA FINANCIERA Asset Liability Management (ALM) Asesoramos a aseguradoras en la optimizaci\u00f3n integral de sus portafolios: dise\u00f1amos arquitecturas de inversi\u00f3n alineadas con las reservas t\u00e9cnicas, actualizamos pol\u00edticas y evaluamos gestores y oportunidades. 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