Not true, I am indeed very good at investing. I accumulate my OA and cash savings to prepare to buy during downturns and crisis. I bought my first condo in 1985 during the recession, my second condo in 1999 during the Asian financial crisis and my third in 2009 during the recent global crisis. As you can see that is why my OA is so low because I have utilized it. My returns from my property investments is many times fold. I don't understand why we have all this minimum sum thing. They should exempt those rich people like me from the min sum as I can very well take care of myself. The min sum is only for investment illiterate people.

I am building up my cash reserves to buy another condo during the next market downturn in 2025. I have 12 years to prepare.