ETF or EPF - Discussion

Crypto & Investment
1

Dear sifus,

I’m looking for advice on long term investments particularly for retirement. I’m currently in a dilemma for the following options:

  1. Dump RM50k into VOO and QQ (50:50 split on Moomoo) and topup RM1k monthly or;

  2. Dump RM50k into EPF and topup RM1k monthly

I understand that EPF gives relatively stable returns annually but the S&P500 and NASDAQ both have strong growths in the long run. Given the current situation in the Middle East, what’s the best option for me when it comes to investing ? I’m not too concerned about short term dips as these investments is really for 20-25 years in the future. For context I’m 28 with <6 months of experience in investing with 12X emergency fund set aside. Would appreciate your outlook on this. Thank you !