Happy New Year. We believe that surplus funds are funds that...

Happy New Year.

We believe that surplus funds are funds that can be temporarily halved and left for long-term recovery. Even looking at the past performance of the SP500, a drop of around 50% is considered normal. Surplus funds are funds that can accept this risk.

On the other hand, it is dangerous to invest funds directly related to life or funds needed in the near future in investments. If you invest such funds, you will feel significant stress even with a slight decline.