20plus and early 30s. Those who joined in the last few yrs fresh out of uni or relatively early in their career, to a generic MX scheme with a degree as a farmer.

Those in their 40s now had different opportunities. Just for example, $1-1.3mil would have gotten them a freehold condo in Marine Parade 10 yrs ago. Now you would have to pay $2-4mil for the same.