For self contribution, bear in mind that you can only take it out when you age till 55. The money going to stuck there till you reach the retiring age. Unless you really have extra money, then can self contribute.. max rm60k per year.

I tried equity, didnt monitor much n got burnt, i pump some PRS just to reduce income tax but the PRS going stuck there till 55 n return juat maybe 3-4% pa... UT  tried that, also maybe 5% return but will up n down.. still hv risk.. very much depend timing..

Well, i prefer self cobtribute epf to top up my salary monthly contribution, as long as you pump it till more than 1mil, then the self contribution is like different game  means you can treat it like a safe no risk good return.

Anyway, just my view