Yes, EPF is a very important part of your retirement planning. It’s a safe investment which guarantees an annual dividend of 2.5% (but has often paid  much higher returns). 

Now, you might think EPF is only available to those who have employers, but that’s not true.  For those of you working in the gig economy, running your own business, or even if you’re a stay at home mum, you too can save at EPF.