Zooming forward, it's now 2020. And the first case of COVID-19 has touched our homeland, Singapore! The pandemic has then go on a wide rampage shutting down several cities around the world and in fact countries! The cash hoarding from 2019 has allowed me to make very good use during the pandemic where the stock market face with extreme pessimism from Mr Market from March 2020. Being in an environment where there is so much discounts available and limited amount of cash, it would be easier if I go harder onto "Dragon Head Counters"... if one were to understand it in Chinese. The "massive" accumulation begin with DBS when it falls below SGD 23.00 a share and OCBC below SGD 9.50 a share. The way which I averaged down and accumulated the shares, at that point poses a serious threat on my war-chest at that juncture till at a point, my war-chest is wiped out....