MPs offer ideas to improve CPF

[Caelitus]

For a man-in-street, i have always think why all these years EPF returns always better than CPF? Correct me if I am wrong. Is it because their bank FD even now is > 3% therefore their EPF has to operate/invest differently. So it seems their G has to take the higher risk for EPF. And our G just want to sit on the fence?

EPF may be a 'later participants pay earlier participants' scheme...all the money concentrated in top stocks on Bursa. As long as everyone dont ask for the money back at once..
or the Bursa dont crash jialat jialat...e.g. Sarawak/Sabah seeking independence.

Another thread on CPF versus EPF.