How much would one value capital guarantee feature. (in EPF case only value guarantee though, not when-can-take-out guarantee)
Example:
Fixed value EPF 5% pa
Corporate bond 5.7% pa
At what point would you rather put the 100k reserved for EPF self contribution into Corporate bond. 5.5%? 5.9%? 6.3%?

But while I feel biggest factor is still age. Like young can risk more, but at the same time with time compounding power is only obvious when you save earlier
I only wish Tax deductible for EPF could be higher. Current amount is negligible