If you’re bad at actual investment (not the typical simply buy stock here and there type, these type all pasar pagi aunty also doing la), or really really maximising your cash on hand, just stick to EPF, let it be a “forgotten” fund for you.

There’s no denying at least 80% of the people who withdraw EPF money just falls under this 2 category:
1. Really need money to keep on surviving through this tough times.
2. Just to buy ps5/iphone or other unnecessary shit to show off in insta.

Very rarely there’s people who really know how to handle that 10k, or more, wisely.

As someone mentioned, people just cannot comprehend the compounding power. I got ~rm114k from today divident announcement by epf, basically doing nothing. And i still got loads more years of slaving to go before i retire, even then, I won’t take out epf oneshot simply because of how hassle free, low risk it is.

Go google yourself compounding intrest examples yourself, its as magical me telling you, if you could fold a piece of normal thin paper for 42times, it’s thickness will reach the moon by then.

I think you need better friends bro. You are the sum of the ppl around you. I never know of ppl withdrawing EPF willy nilly based on spin. Unit trust agents will of course insert abit of the spin into their sales ptich but their pitch is still mostly based on facts and figures

Based on most of your posting i would think your friends and acquaintances  are toxic and bringing you down. Surround yourself with better ppl bro