might as well compulsory contribution to ASNB?
how will a separate retirement fund provide higher dividend rate from the existing one?

the idea of tiered dividend is redirecting the wealth from the rich to others without funding from the government
the higher your balance in EPF is, the lower the effective dividend rate you receive

I try to keep minimal apps
u may check using the web?
https://www.kwsp.gov.my/en/
last time my balance was Nil, but this morning showing again