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 think you're right, investing in bitcoin is riskier as compared to bank investment, and I think there are only two banks in the Philippines that offers investment, BDO and BPI. However, even if investing in banks is a good option, I would still invest in Bitcoin no matter happens.