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The mutual fund is voluntary and including LTF, RMF that everybody invest now.
If you look at the bottom of the two lines; the provident fund and the pension
fund which is still very low per GDP. If the trend is increasing but it is still very
low if you compare to the GDP. So, this is all the figure to help you try to think
how to promote the saving in the country. And when you look at the funding when
you compare to the size of financial system. You can see that NSF(National Saving
Fund).

This one cannot see it because it is very small. SSF (Social Security Fund)
this one is substantial for 14 millions employee in the country. GPF(Government
Pension Fund). So we still have room for the improvement for this three funds in
the future. If you look at the 38 millions is a labour force in Thailand but total of
the person in the saving fund is around 19 millions which is allow 50% of labour
force that have some kind of pension fund in the future. So, that is why
the government try to promote national saving fund but if you look at the member
is only 50000. The rest of another 20 millions no saving or guarantee. So, the
20 millions of the Thai workers have to rely on u I resale health operate.

Another thing is that aging allowance. This one is also interesting, the graph
on the left, we found that 36% of the people of the retirement age is 65.
It means that after 5 years of your retirement 65% pass away. 54% rely on other
source of financing. Only 5% on the top that can rely on their own saving or their
own financial. If you look on the right hand side, you can see 42% are rely on
your family members. It means that when you are getting old. You have to stay
with your child. Don’t separate house ok? And another 34% is mean that after
retirement you still have to work. If not you don’t have money for your own
household, expense, medical bills.

This is a survey from Chulalongkorn University. They did some surveys and
ask whether should you have the retirement plan,91% said that we should. 87%
said that we should. But the question ask whether did you take any action? 33%
said no, we did not do anything. 10-12%said we don’t even think about it. And
what kind of the issue you should plan. Mostly said the financial, which is good but
the problem is that after you think, you should implement it, take action on it. เอกสารประกอบการอภิปรายร่วมระหว่างผู้แทนจากต่างประเทศ

This one is financial inclusion index that world bank conducted in 2017.
The question that they asked, if people of each country face some financial
emergency and want to get emergency funding, it means 5% of GNI, where that
people go for?