Not sure if EPF is giving 6+% dividend for 2015, so far no announcement yet. Normally when does EPF announce their dividend???
We wouldn't know what will happen to our EPF money if our country still remains under the same constituency of you-know-who. Although the 6.4% may sound high, I would rather invest in high potential properties in prime locations. Be it just a small studio unit or whatsoever, at least its affordable, if no one rents my unit, I can make it into an AirBnB unit hehe.