600k gives you RM2.5k per month for 20 years...

This some more exclude any interest that you will gain over the 20 years....
RM2.5k per month cannot survive for a single person???
You don't have house or car to pay already at that age....
Makan even with inflation.... at most also only RM30 per day.... considering lunch and dinner RM15 each some more....which is quite an upgrade from eating economy rice.... breakfast eat bread cukup la...
The rest of the money you can save up for hobbies and travelling...
Seriously... Ketards have a distorted view on life... thinking that after retirement... morning must eat at aircond kopitiam... lunch eat din tai fung... dinner eat hai di lao....
Earning power somemore ciput pula...