1. Fund managers are trying to appease its members who are feeling rather disturbed at this result. On a broader spectrum, this fund has managed to maintain a respectable average 7.04% growth over the past 12 years. However, this still will not appease fund members who have retired from the civil service because, from the perspective of a lump sum figure, these retired citizens stand to lose about 100,000 baht from their respective pension funds. Another important issue is questionable ethical standards of key fund management figures. Again, the fund members are not at ease, fuelling doubts and creating a negative image for the fund management as it is.