Assuming you have a choice, which would you mainly prefer? It’s common wisdom not to put all your eggs in one basket, but on a % basis how heavily would you lean on S&P500 over EPF?
EPF:
- Historically 5-6% return p.a.
- Less fluctuation, returns guaranteed
- Limited contribution cap, poor withdrawal flexibility
S&P500:
- Historically 10% return p.a.
- Subject to strong fluctuations, a wrongly timed bear market when you need the withdrawal would be devastating
- More flexibility and liquidity
Which would you lean heavier towards? (Given the current and on-going turmoils in Trump-mode US too)