Use special lifeline wisely, contributors advised EPF’s i-Sinar - Bernama PETALING JAYA: While the i-Sinar scheme by the Employees Provident Fund (EPF) is a welcome relief for those who have lost jobs due to Covid-19, financial experts have cautioned that these people run a risk of having insufficient funds upon retirement if too much money is withdrawn now. Asmadi Husna, 34, a photographer at a startup company in Selangor, told theSun that her salary had been cut by 20% since last August, and with her loan moratorium expiring next month, this is all the more reason to withdraw money from EPF.