Same feeling I got. Some questions seems cleverly worded to lure people choose certain answer.

Just hope everyone doing the survey realize there won't be 'higher dividends' out of nowhere. For example, 'higher dividends' for age 60 and above also means 'lower dividends' for those below 60.

Sometimes I find it funny that a lot of Malaysians hate Communism/Socialism but the same group of people wanting the system to gear towards Communism/Socialism.

Instead of tiered dividends based on individual savings, I think EPF might be able to do it based on 'withdrawal condition'?

For example,
Amount without withdrawal condition (>55 years old, >1m) get 1% lower dividends.
Amount with some withdrawal condition (Account 2) get 0.5% lower dividends.
Amount with strict withdrawal condition (Account 1) get extra dividends from the reduced dividends above.

Some benefits I can think of,
1. People who is truly preparing themselves for retirement get more dividends.
2. People who use EPF as high interest savings account will continue to do so as its return is way higher than FD or MMF.
3. EPF can strategize its fund better (invest in short/long term assets based on account type), and hence possible higher returns for everyone.