Unless close to age 55.... I think might as well put into stocks or if conservative just roll the FDs...

They say money is not really yours if it is not within your control now, and by that definition , EPF is not your money yet.... furthermore, rules might change to delay to 60 and beyond ( very likely) or to allow only staggered withdrawals ... u might never see the money in lump sum again... just voicing out my concerns for others to consider ...

This is not saying EPF will bankrupt.. if EPF bankrupt, then stocks in Malaysia will be much worse.

The diff between holding stocks vs EPF is liquidity.. in times of need , you have access to funds immediately ..

An extreme example is if you are dying in a years time , u can liquidate your stocks and spend the money the way u want ... not with EPF, it will be locked up and then your beneficiary can spend..

A less extreme example ... 10 years down the road.. u want to migrate... and u need money etc etc...

Basically, u are saying u want to earn extra 2% for giving out a 30 year loan...this loan cannot be terminated prematurely ..

And, even the extra 2% is debatable .... stocks might be able to earn 10% quite easily Over the long term... so, you end up locking yourself up and earn less.... not saying stocks will do better ... but there is a chance it will do better than 6%