240k, can only withdraw 1k+/ month.

enough to eat i guess, basic survival expenses.

1 rm healthcare will provide what kind of quality? Will it ease your suffering?

If the medicine you need is not available to you, you are asked to buy your own outside.

Gov should increase the mandatory contribution brackets, both employee's & employer's

Make it 16/20

Here is a thought. In a communist country, a formula calculates how much a person needs for a lifetime of basic  living. Example rm 1 mil.
So when a person dies, only up to 1 mil can be handover to each next of kin. The rest go to social security of the citizens.

I have great concern reading this 2 para from kwsp. If the státs 90% is of active contributors by age 30 today, it is worrying and it ain't sustainable as a whole. It's a shrinking base.

If you are also reading it the same you will get what I mean. 35k is already a below par figure.

I care less how much they can attain 25 yrs down the road but its the sustainability as a whole.

According to EPF’s estimation, an individual needs to have a minimum of RM35,000 by age 30 to achieve basic retirement savings of RM240,000 by age 55.

“Using this metric, the data shows that over 90% of members under 30 do not have enough basic savings of RM240,000 by retirement age.