Not Just Following Trends, Young Customers Are Asked to Calculate Risks from the Start

TANGERANG - Wealth growth among young customers is not necessarily sustainable if it is not accompanied by mature risk management. The great ambition and ease of access to information possessed by the younger generation have the potential to backfire if financial decisions are made based solely on trends.

Head of Individual Customer Business Development BCA, Yudi Darmadi said that today's young generation has advantages in terms of information and the courage to take opportunities. However, this condition must be accompanied by the ability to understand risks from the beginning.

"The most important thing is actually how they understand the risks ahead. These risks that they need to learn and understand carefully," said Yudi in a BCA Young Community discussion at the BCA Expoversary 2026 Mini Studio, ICE BSD, Tangerang, Friday, February 6.

According to Yudi, the initial step that young customers often miss is to assess their own capacity before making business or investment decisions.

Furthermore, Yudi said that this wide-open ambition and opportunity also needed to be balanced with realistic calculations so that asset growth did not turn into a burden later.

"What is the risk, what is their own strength, and with the risks they face, is their ability enough to cover or manage that risk," he said.

According to Yudi, the future challenge is not only about increasing assets, but maintaining business resilience in the midst of economic uncertainty. Therefore, sustainability is considered more important than short-term growth.

"For the future, especially those related to uncertainty, the most important thing is how they see each process and development that will be carried out. They must be able to assess which ones are sustainable in the future," he explained.

In addition, Yudi also reminded young customers not to just follow the current trends. In many cases, businesses or investments that grow quickly due to viral factors are prone to stagnate without consistent innovation.

"Trends can be created or continue to be innovated. If you just follow trends without innovation, growth usually does not last long," he said.

Yudi said looking at the composition of customers, BCA recorded significant growth in the young age segment in recent years. Where a decade ago the proportion of young customers was still in the range of 10 to 15 percent, now the figure has reached around 32 percent. Meanwhile, the 30 to 35 year age segment, the proportion is in the range of 30 to 35 percent of the total priority and solitaire customers.

According to Yudi, as the number of young customers who are financially established increases, interest in investment instruments is also more diverse. Bonds and mutual funds are products that are often looked at, along with the need for liquidity management to support business activities.

"The selection of instruments must still be adjusted to the risk profile of each. Including how to utilize cash management products to support business needs," said Yudi.