Been reading some of the topics in this forum recently & feel its time for me to get evaluated.
Could you help a bro out? And if its the right time to submit all the docs now

My profile:
Malaysian Chinese, Male, 26 years old, Single
Been here since September 2016
First on Student Pass (Completed my Masters in a top French Business school here)
Then on EP for 6 months til now, basic SGD3600/month in a digital/investment startup -biz dev role
I've also read & found that the cover letters, additional docs - volunteering work/donation etc seem to be unnecessary. (unlike what the 'immigration consultants' claim that my profile will stand out if they help decorate my profile with more docs)
Wondering if a 'thick' bank account will add value to the PR application too?
Please let me know if I left out any details.
Appreciate it.