Why is our EPF Dividend so low? How to beat inflation with these puny rates?

The Employee Provident Fund (EPF) rate is getting lower and lower to around 4-5%.  With inflation rate at least ~3%, our actual interest gain is actually 1-2%.  How to retire when you get returns this low?  I say, better to pull some of your money from your EPF account to invest in Mutual Funds or the ASW2020, which gives better returns ( albeit with slightly higher risk). Let's see how much we are getting for Yr 2009.
Some helpful links below:
Link to approved Fund Mgrs: http://www.kwsp.gov.my/index.php?hdl=bin&rp=751 
Link for Retirement Calculation : http://www.asnb.com.my/webfinancialcalculator/Retirement/Retirement.aspx?culture=en-GB
Year - Dividend
2009            ??

2008	4.5
2007	5.8
2006	5.15
2005	5
2004	4.75
2003	4.5
2002	4.25
2001	5
2000	6
1999	6.84
1998	6.7
1997	6.7
1996	7.7
1995	7.5
1988 - 1994	8
1983 - 1987	8.5

http://www.btimes.com.my/Current_News/BTIMES/articles/20100207204755/Article/index_html