BCA: Investing Does Not Require Waiting for Surplus Funds
The public does not need to wait until they have surplus funds to start investing. Investment can be carried out incrementally by setting aside funds regularly and with discipline.
EVP of Wealth Management at BCA, Indrawwan, noted that there is still a prevailing notion that investment can only occur once all needs are met and extra funds are available. According to him, this mindset needs to be changed.
“Investment does not have to wait for leftover money. Sometimes people hold the principle that if there is leftover or extra money, we can invest it. It should be the other way around,” Indrawwan stated during a press conference at the BCA Wealth Summit 2026 in Jakarta on Wednesday (9/9/2026).
He mentioned that the public can begin investing by setting aside funds periodically. The investment amount does not necessarily have to be large; at BCA, for example, investment can start from as little as Rp 10,000.
“So, instead of thinking every month, ‘oh, it’s all gone, it’s all gone,’ you reverse it. And another thing, to ensure continuity, one certainly needs the discipline to do so,” said Indrawwan.
According to him, regular investing can also assist investors in performing dollar-cost averaging. This is because no one can guarantee when market conditions will rise or fall.
“If we knew, we would all be rich. We would buy when the position is down and sell when it is up. But we don’t know,” he added.
Therefore, Indrawwan believes the safer method is to invest periodically. In this way, investors do not need to wait for what is perceived to be the most opportune time to enter the market.
“What is actually the safest way? It is through averaging. So, roughly speaking, we could buy Rp 10,000 every day,” he said.
Nevertheless, he reminded the public that investments must still be adjusted to their risk profile and time horizon. Investors need to understand how long the funds will be invested and the level of risk they can tolerate.
“The important thing is having the courage to start first. Once you have the courage to start, it comes back to those two basic concepts: risk profile and time horizon,” concluded Indrawwan.