Gortex
I take your point but being apathetic to the problem is hardly helping your cause. I knew from doing the maths when I joined that to receive anything worthwhile would require further investment. The C fund is a vehicle to achieve that.
My salary affords a good standard of living and the amount left over is invested. What we all invest our 'left overs' into is up to us as individuals, based on attitude to risk and goals. Join the gold rush into Dubai property maybe or how about a safe but paultry 2% in the greedy local bank?. Or you could always send it home with a crap exchange rate.
Whatever you do, what i'm not prepared to do, is come back here in another ten years and complain that my PF fund is only worth $150,000 after a total of 20 years because I wasn't prepared to invest some of my own tax free salary.
You pays your money and takes your choices in this life. Camels, dates, call it what you like but at the end of the day it's your pension, not EK's.
BYMONEK