If I have excess 100K, how should I invest over the next one year or so? This is assuming I already have consider all factors such as emergency funds and personal expenses to be taken care of and have decided not to pay down your mortgage. This excess 100K is the amount in the worst case scenario even if I lose all of it, my livelihood will NOT be affected, with the exception that I will be emotionally sad because I am 100K poorer.


OPPORTUNITY CASH
In the midst of the uncertainty and volatility in the stock market, it is wise to set aside at least 30-40% or 30-40k cash out of the 100K. This cash is called opportunity cash. Some call it “warchest”. This fund will be deployed into the purchasing of shares progressively, in each event when market tanked drastically over the...