My case was difference. When my EPF had > 400k, my other saving was only 100k+. My money spent on 2 houses' loans and other things, other saving was unable to surpass my EPF saving. And i know some closer friends/colleagues were similar too. That time i was expecting when i was reaching 48 i would have around 1mil in EPF and around 200-300k+- in other saving, and that time i still needed to pay loans for 2 houses until 65 yo.

My case was difference. When my EPF had > 400k, my other saving was only 100k+. My money spent on 2 houses' loans and other things, other saving was unable to surpass my EPF saving. And i know some closer friends/colleagues were similar too. That time i was expecting when i was reaching 48 i would have around 1mil in EPF and around 200-300k+- in other saving, and that time i still needed to pay loans for 2 houses until 65 yo.

What about other investments? I mean, most will not have so high in savings (at least what I think make sense) esp when you are younger, but when age is catching up, then try to reduce exposure on riskier investments.

usually one only disregard the house that one currently stays in.

The other house is considered an investment and the net equity can be used to count as one's savings/investment.... (that's how the wealth planners usually do it)

No investment that time. Didn't even have much money to put in FD, no self-contribution into EPF too.
The 2 houses were negative properties which i owed bank 1mil+. So my cashflow/saving was far lower than what i have in the EPF saving.

No investment that time. Didn't even have much money to put in FD, no self-contribution into EPF too.
The 2 houses were negative properties which i owed bank 1mil+. So my cashflow/saving was far lower than what i have in the EPF saving.

But you mentioned your EPF > 400K, and savings ~100K. Which is a lot, if the savings are purely FD or from bank accounts. That is why I was asking whether you have other investments that are not consider as savings. When my EPF was >400K, I don't even recall ever having ~100K in cash (FD + SA)