And you make no sense at all, this visa is for high earners and 20k is pocket change for them. You are doing this only to avoid some paperwork at the immigration, not for 'investing' (what kind of investment do you do with so little money that is so attractive to you? I'm curious?) and/or you are just bummed that some of your money is locked away in a bank account which I understand but then just choose the monthly income option for retirees. Do an O-X visa, no? Honestly I don't find anything that intriguing in this program.
For people working here I understand, there is actually some taxation advantage, it might become a game changer but for a retiree? Not so much.