looking down on people called average  for a reason
even if  have RM10M in EPF also should not say that
Knowing full well than 99% of people do not have it,
to  say  is easy to have RM1 Million in EPF and 1M in EPF is nothing is
to make many many others feel bad.
Yes dont simply say it is easy when more than 99% people cant achieve it.

Wished I had that much!
I am a salaried person. I don't have THAT much. 

What shame?
I am not starving, am i?

No. You have said enough and too presumptous.

er.. i beg to differ.
that's how most self-made millionaires become & stay millionaires, they are numerically literate & have common sense.
millionaire next door and books like those with stats.

I feel its a better alternative to FD.
Assuming you fully understand the kwsp withdrawal T&C.

I do it, as part of diversification. I wish to retire back in MY.

why go to lhdn? epf is kwsp, no?

I'll never dump more than required into my EPF account. Reason? It is extremely illiquid.

What use is the guaranteed 2.5% interest rate if you can't use it? Its your own money but you do not have access to it?

Experts suggest the average people to not touch their EPF money, because average people will buy liabilities instead of assets. Are you average? If yes then invest in EPF.

I'm trying to derive profile of fellow forumers.
Will plot some Charts.

Age :
20-30, a
31-40, b
41-50, c
51-60, d
> 60, e

Kwsp acc1+acc2+gold (RM K), ie, 1,000s savings :
(If earn Sgp $ in SRS or CPF, just x 3.)
Rm100-300, a
Rm301-600, b
Rm601-900, c
Rm901-1200, d
Rm1201-1500, e
>Rm1501, f

How you feel of kwsp performance :
Satisfied, let kwsp fund mgrs do their work, a
Neutral, buy 10% PRS n IT, b
Dissatisfied, want to manage own Acc1, c
Most dissatisfied, want to withdraw all kwsp, d

Example of a Wealthy Uncle reply  cud be = d, f, a.