The lecture was really good. I am in my 40s so it may be a little late, but thank you for making me realize the need for asset management before it is too late! I also took another lecture (data analysis) because you explained it logically and confidently, and I recommend this one too. However, when paying in installments, you said that rebalancing is annoying every time, so you should save up and pay over a certain period of time. Personally, I think it is okay to pay monthly and rebalance semiannually or annually, even if there is a margin of error. What do you think about this? I think saving up over a certain period of time is a management point in itself, so I am asking for your opinion.