The present invention relates to a cosmetic composition having high-content useful ingredients stabilized using a natural surfactant and, more specifically, to a cosmetic composition wherein, instead of using PEG-based or ionic surfactants that may cause skin irritation, a plant-derived natural surfactant and a high-pressure emulsification method are used to realize a transparent gel formulation containing high-content useful ingredients, thereby effectively fusing an advantage of an oil formulation having excellent moisturizing power and an advantage of an aqua gel formulation that is easy to use since it does not flow down, and has a fresh feeling of use.