unfortunately life is not so easy your 5m would be roughly equivalent to 1-2m the value now if you are lucky, if inflation is controllable. if u think epf can hedge. think again. i would say if u want to be safe use s&p500 return as benchmark, u should be comfortably beating inflation.

As consistent as s&p500 for a very long period of time? i would say none. 90%+ hedge fund manager cant even beat s&p500.