Anything more than 5.5% consider cukur rd with the koyak economy last year

Cukur, still above 5%.

Though this year is gonna also be another challenging year for KwSP

I don't see it? Where?

Could it be he is referring to the contribution cut from 11% to 7%?

If you're thinking that you can get the same or better return than EPF via whatever investment vehicle you personally are using, you should bear in mind that returns are only one side of the coin. The other is risk.

EPF is effectively risk-free, meaning you will never lose what you invested. There aren't very many products out there that can match EPF's return and risk profile. If got, usually there are restrictions like ASB.

Just be aware whether you are ok with increased risk of losing capital for higher returns if you do choose invest some of your contribution to EPF.

True. But it is very illiquid. Money in there cannot be withdrawn in an emergency unlike FD, esp if young.

If you want to top up, just be sure you have enough to get by for a couple months instead of going all in with your savings