Use cagr calculator to calculate, if u put in epf 5.5% dv with reinvestment of div, with 400k 5 years u get 520k+ , you need to ask yourself if your house value can increase 120k in 5 years time.

Similar if throw maybank share, 6% dv , u get 535k , if you still top up money quarterly or yearly, the result is even better