Mae’r adroddiad yn cydnabod yr heriau a brofwyd wrth ddatblygu cronfeydd cyfun effeithiol. Er bod rhywfaint o gynnydd wedi’i wneud, rwy’n credu bod modd cyflawni rhagor.
The report acknowledges the challenges that have been experienced in developing effective pooled funds. While some progress has been made, I believe there is more which can be achieved.