• Property

I could be very aggressive and I invest into a start-up which would most probably fail. However, if I invest into 10 of them, perhaps one of them could be a huge success; unicorn status. I could be very conservative and just put all my money into the Fixed Deposit in the bank and happily earning the interest every year. This is a personal decision and everyone can just decide what they want, take action and live with it. EPF is not an individual. I need EPF to continue to give me stable returns every year until after I retire. Period.