Gortex
Okay, as you've asked.
$119,000 and exactly 5 years here. You and Cerbus might want to consider using the C fund if you want your PF to grow. Far wider selection of funds, all of which are available to joe public. Some of these funds have produced excellent returns. I stick in 12% every month and only started 2 years ago. I also arrange at least 1 meeting a year for financial recommendations, some of which I take, some not.
Like you, i'm no expert so rely on dollar cost averaging and am looking at a 15 year minimum investment time with a versified portfolio of funds. Another alternative is to send the missus out to sell a few Dubai villas. Now that would boost your Provident Fund!