You are totally wrong on this . Big capital isnt the sole things that you need for investment because the interest rate mostly stay the same or differ a bit but the fact is that you can still invest with a fraction of your money but this will only gets you a smaller interest gain.
What matters most will be your capital control ( financial management ) because without it you can lose it all to a bogus investment with a blink of an eye. Also it is kinda funny to see this, saving to put it into investment later on because investment is kinda like speculation which is unpredictable( things might get south to your savings )