I'd assume your from the Philippines in which I'm also too, you see the way your talking about this low,medium,high risk investment plan is nothing but a scam sounds really a stupid investment, investment plan in fact that you don't have any information where or what they doing to your money but I'd still prefer its more risky investing to bitcoin than the actual bank because legal bank have at least 2 to 1.5 % of gain annually to what you invest with, but with bitcoin it is likely to fall any time soon with its fluctuating market stabilization.
I supposed you are referring to mutual funds. Mutual funds are great method to invest because it just not you that investing, there are many of them. Many insurance company are offering it so just choose those companies that are in the industry for a very long time.
For me much risky in bitcoin and lesser risk in bank. But bitcoin is better savinng money because the demand is so high it can double your money while if you go to bank its 100% still safe they can also failed and they are too low interest not like bitcoin
Lesser risk in bank you say? Didn't you know that the annual rate of bank does not compensate for inflation rate that is why Im always suggesting to invest.