5+% is alot for compounding interest from young till 55.

But many ppl stupid and short sighted mindset thinking childish things like, "Might as well take the EPF money and buy bitcoins & property that makes 100% return". There's just no guarantee. Its either u fail or succeed. And it shouldnt be gahmens or my tax money goes to pay ur bankruptcy support for those failed.

Its much flexible than CPF