I think it's always a good idea to have some funds in stables irrespective of whether we're in a bull or near cycle. This is what I want to incorporate into my portfolio going forward. I haven't had any HBD savings for now, still on accumulation mode but for your case, maybe dipping a bit on SURGE to see how it'll unfold and the possible returns is not that of a bad idea, as most of your funds will still be in HBD Savings, earning compounded interests.