Are there any Malaysians, or Singaporean PRs, here contributing voluntarily into your Malaysia EPF account?

Was reading into Malaysia's wonderful EPF funds today. IMHO Malaysia has seen how profitable it is to run such a scheme as Singapore does.
The end product of these schemes always ends up the same. Eventually, you'll never get the total lump sum out, due to its nature of layering and the necessity of having a buffer on its investments.
But having said that, it is government-linked, so unless both these countries want an all-out riot, the returns will be honoured. Over the long run, as a retirement option, IT IS good to place monies in EPF, right now better than CPF.