hello sifus

I'm in my early 50s and looking at possible early retirement. I am looking at advice on how best to manage my finances so that it'll last me over the next 30 years or so.

- assets: apartment, car, ~RM2m in EPF, ~RM200k cash
- liabilities none. Kids have finished school etc.
- other income none
- monthly expenditures RM4-5k for a very comfortable living
- insurance none, have always been covered by the company and don't plan to take any in the future given my age, the cost, my thankfully good health (now).

How should I manage the EPF + cash? My objectives are minimal work and I am ok with moderate risk.

1. leave it in EPF & tabung haji, withdraw only what I need. No taxation and fully liquid but returns at 5+% per year is just ok

2. Diversify and invest a portion in property? I have never really invested in property long term, have flipped a few but that's probably not the way to go now. How much realistically can I get beyond 5.5% per year post tax that #1 provides?

3. equity market? I don't know enough about the Malaysian market unfortunately. I have no desire to go for unit trusts given the higher costs in the short term.

4. something else?