GPF (กบข.), the civil servant pension fund, is drafting amendments so former members can return retirement lump sums or monthly pensions to be managed by the fund. The draft still needs board approval, Finance Ministry and cabinet sign-off, then parliament, so nothing changes soon. It is mainly relevant to retired civil servants and their families, not to most SME owners. The fund is also reviewing a Total Portfolio Approach to risk, with a proposal expected at year-end.