Minimum $20K in your CPF-OA. The $20K is to be locked in at all times.
Anyway, the usual talk is to "Buy low, sell high" but how low is low? How high is high?
When prices of UTs are like a dollar twenty, some ppl say, "Wait till drop until $1."
Now its like $2+. People say, "Wait till drop somemore."
If one's going on long term investment, timing the market is the most horrible move one can do IMO.
Most people here I believe do their own investments on fundsupermart.com, but if you've got a good and trusted friend who is an Independent Financial Planner, you can seek him or her for advice for a financial check.
P/S: Do take note that besides the one-off 'sales charge' (that ranges from 3 to 6%) which is standard to all transactions, a good IFP should never charge you anything more than that like 'service charge' and anything silly. I'd seen people saying that their Financial Planners charge them 'service charges' supposedly for 'job well done'. Its not exactly illegal but its not really right.
Forget about 'financial planners' stalking out at Bus Interchanges. Get those from independent financial houses like Professional Investment Advisory Services, Philips Capital, Fin-Ex, etc.