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:
 

1. Comprehensive, objective, independent and accountable.
    
2. Competency standards.
    
3. Compliance principle.
    
4. Avoid conflicts of interest.
    
5. Monitoring and control system.
    
6. Separate, secure and well-managed documentation.
   
    

The intentions of provident fund investment are as below:
 

1. Matching with the programme characteristics.
    
2. Optimum rate of return.
    
3. The minimum level of risk.
    
4. Security of the principal.
    
5. Liquidity and solvency.

During the years 2010 to 2014, the biggest asset allocations were in fixed income instruments, which consist of Bonds and Time Deposits.

BPJS Ketenagakerjaan also promotes the new paradigm of investment, which is called "Value bridge for operations and services".

During the years 2010 to 2014, returns on investment are in the range of 10.48% to 12.33%, above the average of state-owned bank deposit rates. The number of active memberships in 2014 amounted to 16.79 million.