17 Nov 2021 | Edukatips


When it comes to investing, many investors want products with the lowest risk but with high returns. Remember, there are some terms in Investments that are called high risk, high return, meaning that investments that provide high returns have high risks, and Vice versa. 

The key to choosing an investment product is to first identify the Risk Profile and investment objectives. This will be an indicator that describes how much we tolerate risk (risk appetite) and will affect investment style. Everyone has a different attitude towards investment risk, some find it difficult to sleep when their investment drops, some stay calm. 

Factors to determine investment risk profile: 

There are several important factors in determining the investment risk profile, namely:

  • The level of tolerance for investment risk to deal with possible declines in investment value in order to obtain greater potential returns in the long term,
  • Investment experience and knowledge of financial markets,
  • The purpose or reason for the investment,
  • The investment period for the use of the investment funds,
  • Age and income stability.

Can the investment risk profile change? 

Of course, the investment risk profile can change over time.  This is due to several determinants of the risk profile, such as increasing age and family responsibilities, investment experience that affects changes in the level of tolerance for acceptable investment risk.  With this change, don’t forget to periodically re-measure their investment risk profile to see changes in risk tolerance.  After that, you can re-arrange your investment portfolio (rebalancing) against portfolio allocation assets according to changes in your investment risk profile. 

It is important for you to find out in advance your investment risk profile, in order to assist you in making investment decisions that are not influenced by a style or other people's investment choices because each investment strategy and product chosen can differ from one investor to another profile with a different risk. 

You can start to identify your risk profile here and start to plan your investment portfolio. Investments can easily be started through Welma, Wealth Management application from BCA that can be used for transactions and to monitor performance wherever.  


Mutual Fund is a product of the capital market and not a product of PT Bank Central Asia Tbk.  (BCA) and BCA are not responsible for any claims and risks related to the management of the Mutual Fund portfolio.  Investments in Mutual Funds are not part of third party deposits with BCA so they are not guaranteed by BCA and are not included in the scope of the object of the government guarantee program or deposit insurance.  BCA only acts as a selling agent for Mutual Funds.  Investment in Mutual Funds contains risks that allow investors to lose part or all of their invested capital.  Mutual Fund's past performance is not a guarantee of future performance.  Prospective investors are required to read and understand the Mutual Fund prospectus before deciding to invest through the purchase of Mutual Fund participation units. 

PT Eastspring Investments Indonesia has obtained a license as an investment manager from the Financial Services Authority (OJK) and is supervised by the OJK in carrying out its business activities.