Amartha Urges Public to Invest Wisely According to Risk Profile

Amartha Financial is encouraging the public to be wiser in investing amidst dynamic market conditions by planning finances according to a measured risk profile. Certified Financial Planner Lolita Setyawati noted that public interest in investment has undergone a significant shift in recent years, with more people considering suitability to their risk profile, financial goals, and management transparency. She stated that before starting to invest, it is crucial to understand one’s personal financial condition. Investment should ideally be made when basic needs are settled, including having a healthy cash flow, manageable instalments, and an emergency fund. “An emergency fund should be prioritised. Ideally, it should cover six months of monthly expenses. However, if that is not yet possible, at least start with two to three months’ worth of expenses,” she explained. She also reminded the public not to use emergency funds or loan money for investment. Investment should use ‘cold money’, meaning funds not needed for essential expenses in the near future. Furthermore, Lolita stressed the importance of investors understanding their investment objectives, the risks involved, and how the investment product works before making a decision. She advised against investing solely because others are gaining returns or out of fear of missing out on trends. She also highlighted the need to manage disappointment if investment results do not meet expectations and to mitigate risk by understanding the product’s mechanism, risks, and potential returns. With the growing number of investment options, the public needs to be more discerning in choosing instruments that suit their needs and risk profile. Lolita emphasised the importance of considering product legality, investment management mechanisms, potential returns, and alignment with individual financial goals and conditions. “The principle is simple: it must be legal and logical. Legal means the product is licensed and supervised by the relevant authorities. Logical means we understand how the finances are managed, where the funds are channelled, and where the potential returns come from. Therefore, when choosing an investment, one should not only look at the return figures but also consider each investor’s own goals and financial plans,” she explained. Lolita also conveyed that investment can start with a small nominal amount and should begin as early as possible, consistently according to one’s financial ability. With easier access, one can start investing with small capital to achieve returns that grow over the long term. One approach is investing in instruments that not only provide returns but also connect to the real sector, including productive financing for MSMEs that play a vital role in driving the community’s economy. Responding to this need, Amartha introduced Amartha Prosper, including through the Grassroots Growth Series, as an alternative investment option that allows the public to invest while connecting to productive financing for women-owned MSMEs. “Through Amartha Prosper, the public can invest while supporting real-sector financing, particularly productive financing for women-owned MSMEs in rural areas. Investors not only gain potential returns, but the channelled investment can also create a broader and more inclusive economic impact,” said Amartha Chief Funding Officer Julie Fauzie. Over more than 16 years, Amartha has channelled business capital to over 4 million women-owned MSMEs in rural areas, with total capital distributed reaching more than IDR 47 trillion. This dual value has received a positive response from retail investors, reflected in the high interest in Amartha Prosper since its launch in January 2026. Besides offering attractive growth potential, Amartha Prosper also serves as an alternative investment outside conventional assets, helping investors diversify their portfolios while creating a sustainable positive impact.