MORE than half of people questioned thought that the Mandatory Provident Fund Scheme, which required both employers and employees to contribute at least five per cent of the employees' monthly salary, cannot provide sufficient fund for retirement needs, a poll revealed yesterday. The poll, by a major insurance company, found that 55 per cent of the respondents said the fund would not provide enough cover for them when they retire. A further breakdown showed that respondents with dependent children are even more worried - with 64 per cent of that group expressing concern. Those aged 30 to 39 and married individuals also recorded a higher than average concern, at 62 per cent and 60 per cent respectively. It was also revealed that a quarter of respondents would opt out if they were permitted to do so. But according to the scheme ordinance, all employees with a monthly income of more than $4,000 will have to join.