How did you manage to deposit $130000? Did you do it in one lump sum or over time. If so over how much a span of time and how often do you top up?

If you mean investing, i would prefer to invest over a period of time as i do not want to time the market. Also it allows me to buy the dips if there is any.

I have done it over a period of 8 years. I only top up the SA when my income tax hit 11.5% bracket hence take slightly longer time to hit this milestone.