By the age 55, your EPF exceed RM500k, unfortunately you been diagnosed to have cancer. All your dream to travel around the world have been used for your treatment. Maybe not all, but it required big amount.
Having a takaful plan with medical card+36 critical illness cover would help you NOT to use your EPF plan, as you already entitled to get covered up to RM4mil for lifetime in your medical expenses with FREE once you diagnoses having any 1 of 36 critical illness.
So can you save up 5-10% from your income to save your EPF/Retirement fund?
FACT : More than 70% Malaysian utilized their EPF fund within 3 years after retire. Would you want to be among one of them?