The National Savings Fund (กอช.) has about 2.8 million members, only about 200,000 of whom actively save, and wants 140,000 new members this year, targeting village headmen, students, farmers, riders, security guards and freelancers. Its budget was cut 56% to about 200 million baht. The secretary-general says the law may be changed to let members withdraw amounts above a poverty line of about 3,000 baht a month. For a sole trader or small shop owner, this is a retirement-saving option to consider for yourself and staff who are self-employed, and the withdrawal change is still only a proposal.