yeap i do understand but now a days there's a lot of things that can be bought with the epf money before you even retired,such as some investment.

hmm...that's why i am not employee type.i dont like to work for others, i rather do business and hopefully retire early yet still got income coming in when get old. high risk? yes it is. you dont hear people getting rich working for salary.unless you'r ceo of a big company.

i understand that. just that i have many suffering. for exmaple i saw and old ex army sleeping beside road side. reason not enough money to rent a small room.i am the people who observe each and every coner...i sometime able to read what people thing when talking that timeink

ppl tends to get sick easily without work.....so juz let those oldman continue working might help to prolonged their life span...

eh that remind me something. my granma she use to do a lots of things recenrly after she move up to kl to stay in a apartnment she nothing to do her memory start to lost keep forget what she do or eat ..even is just 10 min ago...
i have seen a old age 90 years old man he still working he can take care of himself and work like a young person.