Have you heard about Certified Wealth Managers Association? yap, I'll tell you more about it. CWMA we called is part of IBI (Ikatan Bankir Indonesia). It established on March 16th 2005. What is the importances of this association?? before I answer, first we have to know about money. In Indonesia, the number of richman is going up year by year. We need accomodate their need to manage their wealth. We (as wealth managers) aim to protect. It's mean we have to growthing and minimizing risk of their wealth and investment. Basicly, we have a high comsumption level rather than our need to saving, that's couse our outcome bigger than our income. Remember, we also need wealth to our future until we've got old. These factors are somekinds that's make we need wealth managers. There are 3 pillars in CWMA :

1. How we can keep save people wealth and ourself wealth.
2. After we keep on it, our task is making the wealth growthing and accumulate it
3. The last, how we distribute the wealth to the right things and it can be usefull to somebody and ourself.
Wealth Managers is new Profession in Indonesia and in the future it will give a big advantages to our country.

Further information about CWMA, you can klik in this link. Thank you

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Risk, no body can not keep away from risk. Everything that we do, where we are, we always face on it. I've learned about Risk Management in class, my lecturer said "there are two types of risk, they are pure risk and speculative risk. In pure risk, it will not face that we called return, all of in this risk is only loss. For examples, have an accident, to be fire, to be flooded, etc. Meanwhile speculative risk can give both returns and losses. Usually we face this risk related to an activities that we called business, sometimes in doing business we get gains and sometimes losses. As I said before, we cann't keep away from risk but we can minimize it, by identifying and measuring on it. How we indentified risk? first, we have to know, what kind of risk that we will face if we want to make a decision in business. Yap, that's true... we have to think about the risk and the return in our mind. Then, we measured which is the riskier. Based on this analytical, we can minimize our risk in our business...absolutely.

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