EPF Investment

In EPF we have 2 accounts, Account1 & 2. The contribution goes in like this 70% to account 1 and 30% to account 2. Account1 is always for retirement and invesment whilst account2 for House, medical, computer..etc..etc.
Approach someone who is in the age range of 34-35 might have a fat EPF. Now what is lewithdrawal amount for their investment ?
E.g if they have 100K both in account 1 & 2, which means 70K in Acct1 and 30K in acct2.
They can't touch 50K in account1, but they can withdraw remaining 20% from 20K. You don;t get it. See the calculation below :-

70K-50K =20K
20K x 20% = $4K.

So they can invest 4K for a start. The calculation goes on.

Explain on Dollar Cost averaging and they can top-up every 3 months.
Now how much they can top-up after 3 months ?

20K -4K = 16K
Take 20% from 16K for next top up.

Calculation goes like this

16K x 20% = $3200.

So the next top up will be $3,200. But remember in the 3 months their EPF contribution continues !! So the amount might be slightly higher.