The amount you set as spare cash will not be invested. It will always remain in your main Bondora account and is at your disposal to use as you wish. You can use this reserve as collateral to withdraw to your bank account at any time, or you can use it to buy loans on the Secondary Market. If your Bondora account contains less cash than your chosen spare cash balance, Portfolio Pro will not reinvest in any more loans until the desired reserve is exceeded. As a result, any amount in your Bondora account that exceeds the set reserve will be reinvested.