Are there other platforms that allow 1M65 to be achieved as cash?

There are definitely other platforms. But the crux of it is...

(1) They do have higher risk (or alpha / volatility index) as compared to CPF Special Account, which is gauranteed by the current government. However, the liquidaty comes with some price.

(2) Retirement plans can offer 4%, with a split of Gauranteed about 1 to 2% and Non-Gauranteed of 2% to 3%. But certain companies do cut bonus, and terminal bonus may fall to 0 (outlier like AIG/AIA Saga). So its just a potential, for other platforms. Of course, they do offer flexibility.

(3) I also deal with Traded Policies, but they do have their fair share of risk to consider.

So its about understanding the risk and return involved.

1M65 works because of the 4% compounded return. It's just so happened that CPF SA gives a 4% return.

So any 4% return instrument that compounds would achieve the same result.

In fact, perpetual endowment policies can give a higher return than 4% over the same 30yr period with additional flexibility.

But I'll at least make sure SA is at 60k first because that gets 5% interest.