The investment philosophy of BPJS Ketenagakerjaan is to manage and develop the fund optimally by considering aspects of liquidity, solvency, prudence, security of the fund and adequate return. The investment philosophy is implemented by the following principles:
 

It is well known how to manage our regulations, standards, and working guidelines, but:

How do we manage knowledge that is not captured in typical documentary form, but which we systematically need to perform our work?

How do we manage our notebook of “useful facts” which we use for our work?

How do we ensure maximum access to:

If the latest actuarial report indicates a minimum contribution rate that is higher than the current legislated contribution rate and the federal and provincial finance ministers, after their financial review, do not make a recommendation, then Canada Pension Plan (CPP) selfsustaining default provisions apply.

Default provisions: If the legislated contribution rate is lower than the minimum contribution rate and if finance ministers do not make a recommendation, then default provisions apply:

• the most recent statutory actuarial report prepared by the Chief Actuary tabled in Parliament;
• any more recent estimates of the Chief Actuary;
• to maintain a relatively stable ratio of assets to expenditures over a long time horizon by determining a rel

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