Invest in KWSPMost people regard KWSP (aka EPF) as a vehicle of saving for old age.
True but it is also a vehicle of investment.
Lets look at past 10 years, the average return of EPF was above 5% (tax-free), not bad for a "relatively" safe long-term-investment-vehicle.
IF you have surplus fund from time to time, consider the "Self-Contribution" via online banking (I know both PBebank or Maybank2u can do). Almost guarantee you above 4% return based on historical rate, better than Fixed Deposit. Further, there are ways of withdrawal.