Colombia’s pension sector is taking a cautious step into digital assets as the country’s second-largest private pension fund prepares to offer Bitcoin exposure. The move reflects growing institutional interest while maintaining a conservative approach to retirement savings.
AFP Protección has confirmed plans to launch a Bitcoin-linked investment fund, with access restricted to qualified investors only. Participation will require a personalized advisory process, ensuring that each investor’s risk profile is carefully assessed before any allocation is made. Importantly, Bitcoin exposure will represent only a small portion of eligible portfolios, reinforcing the fund’s focus on diversification rather than speculation.
The fund manager emphasized that traditional assets such as fixed income and equities will remain the foundation of pension investments. The Bitcoin product is positioned as an optional diversification tool, not a shift in overall investment strategy.
With over 220 trillion Colombian pesos in assets under management and more than 8.5 million clients, Protección’s entry marks another milestone for institutional crypto adoption in the region. The broader pension market in Colombia now exceeds 527 trillion pesos, underscoring the significance of even limited digital asset exposure.
This measured approach highlights how Bitcoin is gradually entering regulated financial systems, balancing innovation with long-term capital preservation.
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