EPF 6% p.a. is nothingburger. But we cannot withdraw to buy #Bitcoin or at least $VT until retirement age (30 years to go). What we can do...

1. stop contributing into EPF (or minimize)

2. monthly repayment for home loan

3. i-Lindung

4. i-Invest into Global Equity Fund

For @KWSPMalaysia i-invest, I decided to go for @PublicBankMY Public Mutual – Public Global Select Fund (PGSF)

Best for: Investors seeking long-term equity growth with strong exposure to global (mainly U.S.) technology and consumer companies.

KWSP/EPF is a FIAT TIME CAPSULE.

- 6% dividends lost the battle against TRUE inflation.

- The mandated "match" savings lock your capital into a system where you need permission to access it, many years later or never?

​#Bitcoin is the retirement plan.