In the past, investing in the stock market was a process reserved for experts or people with high levels of capital and technical knowledge. However, neobrokers, a new generation of digital financial intermediaries, have arrived to democratize investments, making them more accessible to everyone, even those with no previous experience.

In this article, we will explain what neobrokers are, how they work, what benefits they offer, and how you can start using them in Colombia, whether you are a novice or a professional in the financial sector.

What are Neobrokers?

Neobrokers are digital platforms that allow people to buy and sell stocks, ETFs, cryptocurrencies and other financial instruments easily and with low or non-existent fees. Unlike traditional brokers, neobrokers eliminate technological and economic barriers, making it easy for anyone to invest from their cell phone or computer.

How do they work?

Neobrokers operate through intuitive and user-friendly applications that simplify complex processes such as:

1. Account opening: Everything is done digitally in a few minutes.
2. Deposits and withdrawals: Using bank transfers or digital wallets.
3. Access to international markets: No need for costly intermediaries.
4. Financial education: They offer resources to understand the market.

Benefits for Investors in Colombia.

1. Low costs: Many neobrokers eliminate transaction fees.
2. Ease of use: Designed for beginners and experts.
3. Global access: Allows investing in international markets from Colombia.
4. Accessible education: Guides, webinars and analysis tools.

Reliable Neobrokers

If you are considering using a neobroker, here is a list of reliable options to get you started:

1. eToro

• • Ideal for beginners and experts.
  • Offers investment in stocks, cryptocurrencies, ETFs and more.
  • “Copy Trading” function to replicate strategies of successful investors.

2. Interactive Brokers (IBKR)

• • Excellent for advanced investors.
  • Access to multiple international markets.
  • Low commissions and advanced analysis tools.

3. Robinhood

• • Very popular among young people.
  • No commissions for stock and ETF transactions.
  • Easy to use interface, although more U.S. focused.

4. XTB

• • Great option for European and Latin American markets.
  • Includes free training for investors.
  • Personalized attention and professional tools.

5. Plus500

• • Focused on CFDs (Contracts for Difference).
  • Solid regulation and ease of trading from mobile devices.

6. TradeStation

• • Designed for those looking for advanced trading tools.
  • Offers access to stock, options and futures markets.

Tip: Before choosing a neobroker, verify that it is regulated by entities such as the FCA (UK) or the SEC (US) and make sure you read reliable reviews.

How to start using a Neobroker?

1. Research the available options: Check the neobrokers mentioned and their features.
2. Compare costs and services: Look at commissions, ease of use and educational tools.
3. Open an account: Have your ID ready and complete the online process.
4. Define a budget: Invest only what you are willing to risk.
5. Get trained: Take advantage of the educational resources offered by the platforms.

Tips for beginners

1. Start small: Invest modest amounts as you learn.
2. Diversify: Don’t put all your resources into one asset.
3. Avoid excessive leverage: This can increase your risks.
4. Stay informed: Follow economic and financial news.

What should financial experts know?

For those who are already in the sector, neobrokers represent an opportunity to:

• Broaden your reach: Help attract new clients interested in investments.
• Incorporate technology: Implement similar solutions to improve their services.
• Generate alliances: Collaborate with neobrokers to offer hybrid portfolios.

Neobrokers are here to stay, transforming the way people relate to the investment world. Are you ready to take the first step towards your financial independence?