T20 if you have more than 100K rm
T10 if you have more than 200K rm
T05 if you have more than 400K rm
T04 if you have more than 500K rm
T01 if you have more than 1 million rm

(thereabout from epf stats in the annual report based on active members)

B40 if lesser than 15K rm.
So, which group should we listen to in order to get advice on how to ensure adequate retirement funds? the b40 or T05??? 

Without a doubt, your point is very valid.

That said, since we don’t have detailed data broken down by both age and wealth, we can only work with what’s available. For the sake of discussion, especially on which group EPF or the government should seek feedback from about retirement adequacy, this kind of broad binning is still useful, don’t you think?

In simple terms, if you were looking for advice on how to ensure Malaysians have enough for retirement, would you really go to the B40 group (barely 15K, regardless of age)… or would you rather ask the T05 group who’ve actually succeeded in doing it?
Of course, if you meet someone who's 35 with 1 million in EPF and another who's 65 with the same amount (both sitting in the T05 group), it makes sense to hear both perspectives for a more balanced view, right?

Like you hinted: if we are really honest and if one wanted good tips on how to actually get there, one be just a bit more curious about what the 35-year-old did rite?