If you need to use your emergency fund because of a job loss, how should you do it?
1. Do not withdraw
all the money from your emergency fund - Assess your needs first!
2. Withdraw in a staggered manner based on your actual needs plus some more
3. Set up an Systematic Withdrawal Plan based on those needs so that your investment keeps growing when not used.
4. Finally, once you are back in a new job, replenish your emergency fund.