@karubin The temptation is there though. Like u said if no discipline it ll be used up and may regret it later on. U may have the discipline but others may not.
@eeevie Nope ain't touching it at all. Epf is considered my retirement fund and it's pretty much free dividend every year. The more I take out the more I lose to gain for retirement so I choose not to.
@kpc12 And this the sign that the FOMO begins. Last year those I told to go in at 20k didn't listen to me. Well , lots of people going to be buying high again ~