How Religion is Destroying our Civilization

[Mediumerli]

I see it's been a while since you've posted, but I'm curious—has anyone recently had success finding a good pension scheme that still gives decent returns without locking you in too tight? A lot has changed lately, especially with inflation and costs going up, so I'm wondering if newer options are offering better flexibility or benefits now. Would love to hear if anyone's explored alternatives beyond EPF or PRS.