thanks again. purely anecdotal, my 2020 return in mutual fund is more than 10%, dividend on stock is 4%, unrealise capital gain on stock is 25%, bond price went up like crazy last year, my fd no return bec i withdraw all, i believe epf shd have done much much better than me, pendemic affect, like u said, man on the street, not necessary the rich n those that invest in various product, i think epf 5.25% is pretty low, some may call it prudent but with the past that allow withdrawal via acct 2 and 3, and now ilestari and isinar, imply there are major characteristics change in epf as a retirement fund. ag will tell us epf staff buy a rm30 nasi lemak, thats all.