Income of non-state pension funds. The most profitable NPFs in Russia: official rating
After it happened in our state, citizens Russian Federation it was proposed to leave their pension in the Pension Fund or choose any of the available NPFs. Before making a transfer, it is necessary to study the rating of non-state pension funds in Russia. This is very important, since their reliability and conscientiousness is the key to a comfortable life after the official end of employment.
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Savings formation system
A lot of time has already passed since the formation of NPFs in Russia and the beginning of their vigorous activity, but many citizens still do not understand why such a “separation” took place, how to choose NPFs.
To answer this question, it is worth delving a little into the system of formation of savings. So, during the period of active official labor activity, the employer transfers 22% of the citizen's earnings for his future pension.
Wherein:
- 6% of this indicator is the so-called "solidarity tariff". Such in no way is taken into account on the personal account of its owner;
- 16% of the 22% indicated above are the very deductions that subsequently form a person's pension (insurance pension).
And that's not all. So, a citizen of the Russian Federation is given the right to choose how his 16% will behave in order to organize welfare:
- all 16% can go to ;
- only 10% of them will be such a part, and the remaining 6% will be .
In addition, a citizen has every right to increase his funded component before retirement, by:
- Voluntary deposit of funds into the account.
- Use maternity capital for these purposes.
- Finance investment.
It is worth noting that the Pension Fund of Russia has its own Criminal Code (), limited for citizens to choose from. Profitability will depend on the actions of our state to carry out the policy of indexing the insurance component, as well as profit from investments of trust management companies.
Important! A citizen chooses an NPF himself, having studied the statistics and ratings of such funds. The profitability of such organizations depends mainly on successful investment. At the same time, a person can choose the right one himself, evaluating all the criteria, including success, position in the ranking, profitability of NPF, popularity, work experience, customer reviews, etc.
How to choose an NPF
If a citizen has finally decided to transfer the formation of his future pension to a non-state fund, then it is worth paying especially close attention to it.
- number of years of existence in the financial market;
- who are the founders of the funds. At the same time, information about the companies that appear as participants in the fund is important;
- profitability for the entire period of work, as well as for the last reporting period;
- "transparency" of the activities of the NPF, that is, accessibility for citizens to study all the necessary information about its activities;
- reputation among the population, the number of positive and negative reviews about the work of the fund, etc.
However, citizens focus more attention on profitability when studying the ratings of pension funds.
Profit rate
This factor is one of the key factors in the rating of NPFs in Russia. Speaking about it, you need to take into account that this indicator is somewhat subjective and changeable. Therefore, positions in the ratings may change depending on the amount of profit from various investment programs in which the funds participate.
All ratings of non-government pension funds in terms of "yield" are compiled annually. It is better to study those that are conducted by reputable companies based on in-depth research. The most important compiler of the NPF rating is Central bank our state.
He conducts a study of the profitability of funds by:
- What is the profitability of the investment strategy.
- How long are used cash individual person in the field of investment.
So, for example, in 2018, Telecom-Soyuz was in first place in terms of investment efficiency (non-state pension provision), and NPF URALSIB ranked first in terms of the second indicator.
Advice! Which NPF to choose in terms of profitability is the subjective opinion of each citizen.
Do you need on the subject? and our lawyers will contact you shortly.
Reliability rating
Compilation of NPF reliability ratings is one of the main tasks of numerous rating and analytical agencies. A prerequisite for the reliability of the data of such companies is their accreditation in central bank Russia. It is on the basis of the information and analytics of this institution that the agencies compile their ratings.
To date, there are only 2 companies that are included in the specialized register of rating agencies:
- "Analytical credit rating agency”(ACRA), however, for 2018 he did not draw up the coveted list;
- "Expert RA".
The reliability indicator is very important, as it makes it possible for citizens to assess their risks, as an insured person, before signing an agreement with one or another NPF.
"Expert RA" has developed a universal and very convenient scale by which you can easily determine the level of fund reliability. There are such designations (some of them):
- "A++" is considered the best. A fund with such a level is not afraid of crises and unstable financial condition;
- "A +" - these are institutions with a very good reputation, almost flawless;
- The group of funds with the indicator "A" is also the leader, but a little "reached out" to the sign of the so-called "unsinkability";
- the next letter designation with two, one plus and without it is "B". Considering them in aggregate, it can be noted that such NPFs have a satisfactory reputation, do not have bad reviews, but in some cases some doubts have arisen. NPF category "B" have low level reliability and do not guarantee a clear line of stability;
- as you might already guess, the next grouping is designated as "C++", "C +", "C". Two pluses indicate that the background is more or less reliable, but there is a high probability that it will be declared insolvent (bankrupt) or that the license will be revoked for one reason or another. One "+" in the rating means an unsatisfactory state of reliability. "C" - this is the disgusting reputation of NPFs, which do not pay due attention to their clients, poorly fulfill their obligations;
- further, at the very end of the rating, you can find companies to which the designations “D” and “E” are attached. The first of them shows NPFs that are bankrupt, the second - those that have lost their license or are being liquidated.
Name | Year of foundation | Assets (thousand r) | Capital (thousand r) | Penny. accumulated (thousand rubles, market value) | Number of fears. persons | Number of fears. persons, received penny | Payments of pensions under the OPS (thousand r) |
JSC NPF Sberbank | 1995 | 468241144 | 20340270 | 443721612,1 | 6828053 | 8423 | 165618,53 |
JSC NPF LUKOIL-GARANT | 1994 | 283952857 | 9092892 | 253195394,3 | 3507809 | 13275 | 239940,39 |
JSC NPF FUTURE | 2004 | 295774586 | 2270125 | 289771636,6 | 4445180 | 10146 | 162710,97 |
OJSC NPF Gazfond pension savings | 1994 | 181150751 | 9414120 | 178316651,8 | 1468673 | 38291 | 70523,81 |
OJSC NPF RGS | 2002 | 198893355 | 13550119 | 182152160,9 | 3162840 | 2746 | 62087,37 |
JSC NPF VTB Pension Fund | 2007 | 140169776 | 6457089 | 135915144,2 | 1543012 | 3818 | 43605,38 |
CJSC "KITFinance NPF" | 2002 | 121749816 | 8604921 | 119947581 | 2203529 | 2183 | 35025,53 |
JSC NPF Electric Power Industry | 1994 | 141332676 | 8009371 | 91227060,97 | 1059902 | 3170 | 53974,37 |
CJSC NPF Promagrofond | 1994 | 87638375 | 7900901 | 85016612,95 | 1784601 | 64300 | 58209,11 |
JSC NPF Doverie | 1997 | 98628101 | 2543386 | 98287978,21 | 1962949 | 372 | 11374,44 |
CJSC NPF Nasledie | 1993 | 70909207 | 5240782 | 54429971,13 | 791388 | 4190 | 59663,15 |
JSC NPF Soglasie | 1994 | 72856577 | 2152714 | 71691067,99 | 1143020 | 723 | 10473,42 |
JSC MNPF BOLSHOY | 1996 | 37113495 | 2134300 | 34163293,02 | 409941 | 2511 | 48144,28 |
JSC NPF "SAFMAR" | 2004 | 201303967 | 8363374 | 188296293,6 | 2270915 | 2153 | 43793,1 |
JSC "National APF" | 1997 | 32888130 | 4380178 | 16428195,69 | 280404 | 1224 | 23953,12 |
JSC NPF Sotsium | 1994 | 16869564 | 1017790 | 14549440,74 | 239629 | 1003 | 10950,22 |
JSC "Khanty-Mansiysk Oil and Gas Pension Fund" | 1995 | 30234260 | 936782 | 12959137,74 | 128421 | 1155 | 23987,09 |
JSC NPF Magnit | 1995 | 12772816 | 623159 | 12267579,17 | 222093 | 115 | 605,99 |
JSC NPF Surgutneftegaz | 1995 | 32781595 | 11408340 | 8260013,28 | 36106 | 98 | 3742,1 |
JSC "NPF" social development» | 1997 | 10443519 | 984294 | 6784921,13 | 89978 | 523 | 7715,01 |
JSC NPF Transneft | 2000 | 89546597 | 11602555 | 8828190,05 | 50824 | 210 | 4182,74 |
JSC NPF "UMMC-Perspektiva" | 2001 | 10221054 | 1230434 | 7623226,51 | 74842 | 472 | 9642,66 |
JSC NPF NEFTEGARANT | 2000 | 7255935 | 652004 | 6857824,78 | 65152 | 310 | 6418,88 |
JSC NPF Atomfond | 1994 | 6366875 | 363909 | 6097735,61 | 53664 | 593 | 11850,5 |
JSC "NPF "OPF" them. V.V. Livanova | 2000 | 6899086 | 306307 | 4603229,84 | 58561 | 1010 | 1550,76 |
CJSC "Orenburg NPF "Doverie" | 1993 | 5968798 | 423299 | 5485052,49 | 108789 | 7213 | 6366,79 |
JSC "NPF "Obrazovanie" | 2001 | 6048737 | 473003 | 5356827,24 | 109119 | 400 | 5875,27 |
JSC NPF Stroykompleks | 1994 | 4323648 | 537469 | 2872500,41 | 42573 | 55 | 2862,44 |
JSC NPF Almaznaya Osen | 1995 | 19315536 | 1464355 | 3424095,82 | 34263 | 6861 | 8409,03 |
JSC NPF Volga-Capital | 1999 | 5752254 | 323557 | 4138795,71 | 67082 | 176 | 2804,27 |
JSC "NPF "Vladimir" | 1995 | 5575015 | 810900 | 1946506,32 | 18373 | 177 | 3352,96 |
JSC NPF First Industrial Alliance | 1999 | 6069852 | 712346 | 1672092,46 | 32509 | 327 | 3907,53 |
JSC NPF Gefest | 1993 | 3362079 | 278690 | 2799468 | 32266 | 196 | 3940,63 |
JSC NPF Telecom-Soyuz | 1996 | 34428076 | 11014272 | 1751302,23 | 17485 | 138 | 3220,68 |
JSC NPF JSC NPF OPK | 1994 | 1942356 | 226879 | 1031628,77 | 13227 | 227 | 2354,74 |
JSC "MNPF "AKVILON" | 1998 | 2072889 | 360018 | 1023334,62 | 12005 | 36 | 644,82 |
JSC NPF "Rostvertol" | 1994 | 2117831 | 248302 | 752847,48 | 9812 | 66 | 1283,49 |
JSC "NPF "Professional" | 2001 | 5870258 | 3012297 | 870696,15 | 8935 | 40 | 754,84 |
JSC NPF Federation (JSC NPF Kapitan) | 1994 | 1852213 | 179330 | 1681676,91 | 30460 | 111 | 4108,85 |
JSC NPF AVTOVAZ | 1994 | 2485698 | 294277 | 840826,81 | 7617 | 26 | 549,08 |
JSC NPF Alliance | 2004 | 3548242 | 353390 | 467499,81 | 2452 | 3 | 289,04 |
Other indicators
In addition, rating companies compile lists according to the following indicators:
- number of participants;
- the size of the average customer account;
- the amount of pensions paid;
- on capital and reserves, etc.
They can be found on the official website of "Expert RA".
Attention! Citizens are given the right to move from one non-state fund to another if it turns out that another NPF's indicators have increased and their place in the rating has become higher. Important! In case of early termination of relations with the NPF, the investor bears the risk of losing investment profits. Since the end of 2017, the Bank of Russia has decided to oblige NPFs to notify future pensioners of such risks in advance. Previously, this was left to the discretion of the NPFs themselves.
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More and more Russians seek to increase their future pension and choose the option of forming a funded pension in non-state pension funds. This factor is justified, because it allows you to significantly increase the amount of benefits.
Every month, the employer deducts to the FIU 22% from the wage fund (official wages) employee. Of these deductions, 6% go to the solidarity tariff (for the formation of a fixed payment, etc.).
- If a citizen stopped on an insurance pension, then the remaining 16% go to its formation.
- If you chose mixed, then from total amount transfers, 10% goes to the formation of insurance payments, and 6% - to the formation of a funded pension.
According to Art. 11 and Art. 15 federal law№360 " On the procedure for financing payments from funds pension savings » from 30.11.2011 savings are personified and, unlike the solidarity system, are paid only to the person who contributed them. The cumulative pension payment is formed from insurance premiums, which are transferred by the employer, and contributions on a voluntary basis, as well as through their investment.
In 2018 insurance premiums on the OPS, which employers pay for their employees, go to formation of only an insurance pension- this is due to the moratorium on pension savings, which was extended until 2020.
How to choose an NPF for the funded part of the pension?
To get the most return on investing your retirement savings, you need to competently approach the choice of NPF. The Central Bank of the Russian Federation on the official website publishes data on the profitability of non-state funds, according to which it is necessary to choose the most promising of all.
The most important criteria that you should pay attention to when choosing:
- NPF age and key indicators. First of all, you need to look at the date of creation of the NPF. Choose funds created before the 2002 pension reform. If the fund was established in 1995 and is still operating, this is already an indicator of reliability, because. this NPF was able to survive several financial crises. You also need to pay attention to the main indicators of the fund: the volume of reserves and pension savings, the number of clients.
- Founders. The most reliable are funds whose founders include major representatives of the sector of the economy involved in the transportation and extraction of oil, gas, minerals, large electric power and metallurgical enterprises, and others.
- Yield. If the reliability of NPFs can be verified by the above parameters, then with profitability it is much more difficult, because. There are two yields:
- according to Federal Service for Financial Markets (FFMS) - the main supervisory body of NPFs;
- according to the foundation itself.
The values provided by these two sources may differ. In reliable NPFs, the real return (credited to customer accounts) is usually 0-3% less than the official return on investment of savings or reserves, data on which can be found on the website of the FFMS or the Central Bank.
It is also worth looking at the profitability in relation to the number of customers: 11% per annum with 900 thousand customers is more indicative than 35% per annum with 130 customers. You should pay attention not only to the profitability for the previous year, but to the total long-term profitability.
Reliability rating "Expert RA"
Agency specialists "Expert RA" developed a system of classes to determine this indicator, in accordance with which the assessment of the reliability of non-state funds is carried out:
Reliability Rating | Decryption |
---|---|
A++ | ultra-reliable NPFs, unshakable by any crises |
A+ | stable and reliable funds with a high reputation |
A | proven reliable funds that are not included in the group of "unsinkable" |
B++ | funds with a satisfactory level of reliability, whose reputation is not tarnished by bad reviews |
B+ | the level of reliability of these funds is questionable in some situations (for example, in cases where significant payments are needed) |
V | the level of the fund's reliability is low, without a guarantee of stability |
C++ | unreliable NPFs with a high probability of license revocation or bankruptcy |
C+ | unsatisfactory reliability and very high probability of license revocation from the fund |
WITH | funds with a bad reputation, for example, cases of non-fulfillment of their obligations to clients |
D | bankrupt funds |
E | funds that have lost their license or are in the process of liquidation |
Profitability statistics of Russian NPFs
NPF is a market participant that has a large accumulation of funds that increase every year, and if their profitability is at a good level for a long period, then this will be the best model for managing accumulated funds, in which a good pension is provided to people.
According to the Central Bank, the top five models for several recent years well-known funds include:
- Sberbank.
- Confidence.
- Stalfond.
- Lukoil-Garant.
They all consistently make a profit, and, most importantly, their long-term returns outperformed inflation. The data shows that every client who has invested in the popular European Fund has doubled their funds over the past 6 years, increasing the well-being of people. And one of the largest PFs in terms of investments, Electric Power Industry, consistently makes a profit, but it is more modest than the inflation rate, the result of the state-owned VEB (Vnesheconombank) is slightly lower.
Rating of the number of insured persons
It seems that the more insured in the fund, the better it is. But to judge NPF by this criterion alone is not entirely correct, it is better to do it In total with ratings on profitability and reliability for a certain period, preferably 5 years.
№ | NPF | Number of insured |
---|---|---|
1 | NPF of Sberbank (JSC) | 6 819 773 |
2 | NPF GAZFOND | 6 233 147 |
3 | NPF FUTURE (JSC) | 4 433 865 |
4 | NPF LUKOIL-GARANT (JSC) | 3 501 825 |
5 | NPF RGS (OJSC) | 3 157 498 |
6 | NPF SAFMAR (JSC) | 2 267 492 |
7 | NPF Trust (JSC) | 1 957 579 |
8 | NPF VTB Pension Fund (JSC) | 1 540 942 |
9 | NPF Consent (JSC) | 1 139 920 |
10 | NPF of electric power industry (JSC) | 1 057 727 |
11 | MNPF Bolshoy (JSC) | 408 807 |
12 | National NPF (JSC) | 279 734 |
13 | NPF Social (JSC) | 238 816 |
14 | NPF Magnit (JSC) | 221 908 |
15 | Khanty-Mansiysk NPF (OJSC) | 128 078 |
The best NPF funds in terms of profitability and reliability in 2018
If you choose the 5 best NPFs, then you need to pay attention to the ratio of profitability and reliability. The top five looks like this:
- NPF Gefest (JSC). It gives 14.21% of income on invested savings, however, it does not participate in the Expert RA rating scale.
- NPF Diamond Autumn (JSC). With a stable A+ reliability rating, the return on investment is 11.94%
- National NPF (JSC). The yield is slightly lower - 11.83%, but at the same time it is reliable. According to experts, he has an A ++ rating.
- UMMC-Perspective. In 2017, he accrued income of almost 11.28% per annum, he was assigned an A ++ rating. Therefore, even in adverse situations, the probability is preserved that he will fulfill his obligations.
- NPF First Industrial Alliance showed an 11% return on investment and was assigned an A + rating.
At the beginning of 2017, there are 43 NPFs. The volume of household deposits increased by 3.1%. The total amount of savings of all NPFs of the Russian Federation reached the amount of 3.3 trillion rubles. See the latest NPF rating below.
One of the serious criteria when choosing a fund is its level of profitability. According to this factor, the rating of statistics of the TOP-30 NPF leaders in 2017 was formed.
№ | 30 NPF leaders 2017 | Income since the beginning of the year, % |
---|---|---|
1 | NPF Social Development (JSC) | 14.72 |
2 | National NPF (JSC) | 12.09 |
3 | NPF UMMC-Perspektiva (JSC) | 10.91 |
4 | NPF Diamond Autumn (JSC) | 10.69 |
5 | NPF Alliance (JSC) | 10.60 |
6 | Atomfond (JSC) | 10.55 |
7 | NPF VTB Pension Fund (JSC) | 10.54 |
8 | NPF OPK (JSC) | 10.51 |
9 | MNPF Bolshoy (JSC) | 10.38 |
10 | NPF First Industrial Alliance (JSC) | 10.16 |
11 | 10.13 | |
12 | NPF Transneft (JSC) | 9.86 |
13 | NPF Volga-Capital (JSC) | 9.73 |
14 | NPF Vladimir (JSC) | 9.52 |
15 | ONPF Trust (CJSC) | 9.43 |
16 | NPF Social (JSC) | 9.41 |
17 | NPF Surgutneftegaz (JSC) | 9.38 |
18 | Khanty-Mansiysk NPF (OJSC) | 9.27 |
19 | NPF RGS (OJSC) | 8.47 |
20 | NPF NEFTEGARANT (JSC) | 8.27 |
21 | NPF Gefest (JSC) | 8.19 |
22 | MNPF AKVILON (JSC) | 7.84 |
23 | NPF Telecom-Soyuz (JSC) | 7.58 |
24 | NPF Rostvertol | 7.26 |
25 | NPF AvtoVAZ (JSC) | 7.24 |
26 | NPF PROFESSIONAL (JSC) | 7.16 |
27 | 7.13 | |
28 | NPF Consent (JSC) | 7.01 |
29 | NPF OBRAZOVANIE (JSC) | 6.61 |
30 | NPF Stroykompleks (CJSC) | 5.58 |
To identify the best NPFs in Russia, analysts also evaluate the degree of their reliability. To do this, the method of investing funds, its validity, the state of the company today, its development prospects are analyzed. According to these criteria, NPF leaders in 2017 TOP-30 are as follows.
NPF statistics data for 06/30/2017
№ | NPF | Retirement savings (thousand rubles) | Market share, % |
---|---|---|---|
1 | 429 979 171 | 18.66 | |
2 | NPF GAZFOND pension savings (JSC) | 414 273 261 | 17.97 |
3 | NPF FUTURE (JSC) | 289 638 026 | 12.57 |
4 | NPF LUKOIL-GARANT (JSC) | 250 198 979 | 10.86 |
5 | NPF SAFMAR (JSC) | 184 961 263 | 8.03 |
6 | NPF RGS (OJSC) | 179 263 910 | 7.78 |
7 | NPF VTB Pension Fund (JSC) | 130 020 731 | 5.64 |
8 | NPF Trust (JSC) | 95 655 469 | 4.15 |
9 | NPF of electric power industry (JSC) | 90 661 864 | 3.93 |
10 | NPF Consent (JSC) | 70 501 309 | 3.06 |
11 | MNPF Bolshoy (JSC) | 32 931 345 | 1.43 |
12 | National NPF (JSC) | 15 550 894 | 0.67 |
13 | NPF Social (JSC) | 14 005 425 | 0.61 |
14 | Khanty-Mansiysk NPF (OJSC) | 12 417 441 | 0.54 |
15 | NPF Magnit (JSC) | 12 129 512 | 0.53 |
16 | NPF Transneft (JSC) | 8 531 032 | 0.37 |
17 | NPF Surgutneftegaz (JSC) | 8 005 750 | 0.35 |
18 | NPF UMMC-Perspektiva (JSC) | 7 341 401 | 0.32 |
19 | NPF NEFTEGARANT (JSC) | 6 603 245 | 0.29 |
20 | NPF Social Development (JSC) | 6 525 684 | 0.28 |
21 | Atomfond (JSC) | 5 933 724 | 0.26 |
22 | ONPF Trust (CJSC) | 5 307 598 | 0.23 |
23 | NPF OBRAZOVANIE (JSC) | 5 233 954 | 0.23 |
24 | NPF Oboron-prom fund im. V.V. Livanova (JSC) | 4 514 623 | 0.20 |
25 | NPF Volga-Capital (JSC) | 4 082 396 | 0.18 |
26 | NPF Diamond Autumn (JSC) | 3 283 865 | 0.14 |
27 | NPF Stroykompleks (CJSC) | 2 757 567 | 0.12 |
28 | NPF Gefest (JSC) | 2 733 482 | 0.12 |
29 | NPF Vladimir (JSC) | 1 836 370 | 0.08 |
30 | NPF Telecom-Soyuz (JSC) | 1 702 382 | 0.07 |
Review of key indicators of NPFs (Bank of Russia, Q2 2017) -
Largest merger in the NPF market
NPF reliability rating for 2017 from the credit rating agency "Expert RA"
A lot of information has been posted in the media and the Internet about the mechanism for the formation of two parts of pension savings. Most citizens have already figured out that they have the opportunity to improve their well-being upon the onset of incapacity for work through the competent placement of the funded part. However, the desire to understand in which particular non-profit pension fund their capital can work productively arises for many. One of the guidelines for choosing an NPF is the NPF rating, which is created by independent companies. It is worth carefully approaching the choice of a fund, correctly assessing all the indicators of their work, paying attention to the rating of NPFs in 2017 and 2018.
Non-state pension funds (NPF) in Russia
Before proceeding with the choice of an NPF that you entrust, it is worthwhile to figure out what kind of organization it is, what is the specificity of their activities. These are organizations that are engaged in profitable investments of investors' funds in various projects. The degree of capital increase depends on how well the finances are invested. Funds are not engaged in production, sales of products. The organizations themselves, for the most part, do not manage the funds; they entrust this work to a specialized management company.
Non-state pension funds can be created directly to work with accumulative parts pension funds. They are created by some large firms for your own employees. But since the foundations are not closed organizations, outsiders can also become their contributors. The advantage of such NPFs is the control over the investment of funds exercised by the trade unions.
European Pension Fund can be considered one of the most popular options. It was the high degree of profitability that led to the creation of a solid base of depositors. This organization has more than a million customers who have trusted him with their savings deposits. The fund practices European service standards, clients have the opportunity to open an account, track the movement personal finance. It is possible to withdraw funds to another fund in case of bankruptcy.
high interest rate established for policyholders investing the funded part in "Surgutneftgaz". Payments at rates are made on time, the organization has been operating for more than two decades, and has confirmed its reliability.
According to its history, Surgutneftgaz is not inferior to the leader of the rating. This NPF received the highest ratings from experts in terms of its level of profitability and degree of reliability.
The fund has a solid level of profitability "Welfare". For 15 years, he managed to prove his ability to competently conduct business, successfully invest the finances of investors. The number of clients of the organization exceeds one million, all of them receive payments on time.
NPF Blagosostoyanie received an A++ rating from experts in terms of reliability. This is one of the best indicators for this criterion.
Qualified experts awarded the highest degree of reliability to the organization "National NPF". She is over 17 years old, the amount of savings is about two billion rubles. The Foundation is a member state program co-financing, which allows contributors to double their pension funds.
At European Pension Fund solid work experience. For 20 years, he managed to prove in practice his ability to successfully invest funds and ensure timely payments to his clients. The reliability of the fund is ensured by the transparency of its work, the ability to receive accurate data on the movement of finances on the account at any time.
The main advantages NPF "Education" There are three types of pension schemes: life, temporary (2-30 years), solidarity.
Defense Industrial Fund can be considered an ideal choice for those who prefer conservative, reliable options. This policy of investing finances provides a reliable income.
NPF Sberbank
Many future pensioners prefer to entrust their funded shares to the NPF of Sberbank. The main stimulating factor in this case is the state security of finances. Sberbank offers several ways for those wishing to accumulate pension funds.
Compulsory insurance makes it possible to increase the funded shares of pensions through permanent contributions. For clients planning to maintain their current level of income into retirement age, individual options. Corporate programs are designed to increase business productivity.
NPF Lukoil
NPF "Lukoil-Garant" has been operating for more than 20 years. An organization has been created to preserve and increase the funds of the concern's employees. The work of the fund is fully controlled by the trade union of the company, which excludes leakage of funds, cases of short-sighted investment of finances.
NPF "Doverie"
NPF "Doverie" was founded 18 years ago. The founders are organizations that take part in the economic life of the Nizhny Novgorod region, reputable banks. The fund participates in the co-financing program, which allows to significantly increase the funded pension part. Guarantees are provided by full control of the actions of the FIU organization.
NPF "Consent"
The Soglasie Fund is the legal successor of OAO NPF Soglasie. Qualified experts highly appreciate the work of the organization in terms of profitability, stability, profitability of investing clients' funds. The fund managed to double the performance of its predecessor.
NPF "European"
In any rating of NPFs of Russia, the Evropeisky fund occupies one of the leading positions. Such popularity is due to the high reliability of its work, confirmed by two decades of activity, during which the promised finances are clearly transferred to customers. The transparency of the organization's work is ensured by the ability of depositors to monitor the movement of finances in their personal account. The organization is included in the state co-financing program. NPF accepts maternity capitals to increase the funded pension parts, practices the development of individual pension plans, consulting, planning future pension payments, providing clients with ideal conditions.
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Conditions pension system, which is formed in the state, is a topical issue for all citizens. After all, the conditions for receiving a pension and its amount determine how a citizen will live after the opportunity to work and earn money will no longer exist. Serious changes introduced in 2015 led to the fact that, in addition to the insurance part, without fail a funded one has also been introduced, which implies the process of deducting a certain percentage of wages to your personal account, the funds of which a citizen can independently manage. An increasing number of people understand the importance of contacting trusted and reliable non-governmental institutions. The 2019 rating that determines the best non-state pension fund, which is compiled according to various criteria, will help you make a choice.
How the non-state pension fund evaluates the rating 2019
By default, these funds are accumulated in the accounts of the Pension Fund and transferred to the management of Vnesheconombank. However, in this case, the citizen does not earn any additional money in the form of interest on the amount, which makes the savings subject to the process of inflation. Correct this situation and start receiving passive income from their savings, which in any case should be withdrawn from wages, will help to apply to non-state pension funds. For many, a guarantee of obtaining high profitability and reliability of functioning is the 2019 rating that evaluates each non-state pension fund. It is compiled by both the Central Bank and independent expert agencies. The main assessments are based on two criteria:
- profitability;
- reliability.
The best non-state pension funds according to various estimates
The Central Bank ranks market participants according to several parameters at once: the volume of its own resources, observance of the rights of insurers, the transparency of the fund's activities, and a number of others.
Profitability rating of non-state pension funds
The profitability rating of non-government pension funds being compiled is interesting due to rising inflation. If the long-term profitability of the accumulated pension exceeds it, then such an offer may be interesting. According to the information provided, some non-state pension funds double the savings of their clients.
Rating of non-state pension funds 2019 by reliability
Due to instability economic situation and long-term pension savings, the reliability rating of non-state pension funds 2019 is also relevant. Specialized rating agencies, which directly cooperate with NPFs and have the opportunity to analyze their activities from the inside, help to navigate the variety of existing funds. The most famous is the rating, which is compiled by the Expert RA agency. In it, the highest indicator is A ++, which is assigned to those funds that have proven their ability to repay obligations even with a serious deterioration in the economic situation in the country.
Non-state pension funds- this is a non-commercial form social security. The main activity of these organizations is additional pension provision and compulsory pension insurance, carried out on a voluntary basis.
Regulation of the activities of these organizations produced by two laws:
- dated December 15, 2001 No. 167-FZ “On Compulsory Pension Insurance in the Russian Federation”;
- dated 05/07/1998 No. 75-FZ " About non-state pension funds”.
The legislation of the Russian Federation has limited the list of instruments for investing in NPFs, which makes it possible to ensure the stability of the growth of savings and reduce the risks of bankruptcy.
The activities of these funds are carried out on a voluntary basis and include the accumulation and saving pension contributions, as well as the appointment and payment of non-state savings to fund participants.
These organizations enable citizens to form their savings at the expense of the selected savings program. Depending on the chosen fund, the savings investment interest rate applied to the savings part varies.
How to choose an NPF for transferring pension savings?
A non-state pension fund should be chosen from among those included in the insured persons. The amount of investment income received from savings will depend on this choice. There are a number of criteria that help in solving this problem, which are worth paying attention to:
- Year of creation- the older the fund, the more experience. Particular attention should be paid to firms that started their activities before 1998, because. they survived two crises;
- Fund founders- the larger the founding organization, the more reliable the fund. Information about the founders must be indicated on the website of the NPF chosen by the citizen. You should also choose from organizations that are created by industrial, thermal power, mining enterprises, as well as big banks, as a rule, these funds are the most stable;
- Degree of reliability- This indicator is calculated from several performance criteria. These data are published annually by rating agencies such as Expert RA, National Rating Agency;
- Yield- must exceed the inflation rate by a few percent. This information is posted on the website of the selected non-state pension fund, as well as rating agencies. This indicator must be reviewed over several years to determine stability.
- Transparency and openness- the foundation has a personal website, the ability to create Personal Area, completeness of data of constituent and financial information.
- Fund reputation- customer reviews on forums and social networks.
How is the reliability of non-state NPs assessed?
Fund reliability is a guaranteed fulfillment of obligations to customers. It is evaluated according to the following indicators:
- The total amount of pension reserves - shows the scale of activity and shows its solvency.
- The authorized capital of the fund is a guarantee of reliability, protection of the rights of participants and insured persons.
- Experience in the market for the provision of pension services - the number of participants and the dynamics of their increase or decrease.
- The level of professionalism of the fund's personnel is its qualification and work experience.
- The composition of the founders indicates proximity to leading, financially stable enterprises.
- Reputation in the market - suspension of the license, unprofitability of the balance sheet, etc.
- Diversification of the investment portfolio - the distribution of risks between investment programs.
Rating agency "Expert RA"
"Expert RA"- this rating agency, which is the leading analytical and communication center in Eastern Europe and the CIS, is a member of the international RAEX group, which conducts an expert assessment and shows the degree of reliability of an organization. It currently ranks first in individual ratings - more than 800, which is 46% of total number assigned ratings.
The specialists of the center have developed a system for evaluating a number of indicators by which you can see the degree of reliability of the company.
Its main areas of activity are:
- drafting credit ratings companies both private and municipalities, as well as an assessment of the degree of their attractiveness;
- study banking sector, insurance, leasing markets, factoring, microfinance organizations and non-state pension funds;
- formation of rating lists companies in various industries.
NPF reliability scale (table)
To determine the degree of reliability, including non-state pension funds, Expert RA specialists developed a system of classes:
Reliability Rating | Deciphering the level of reliability |
---|---|
A++ | Ultra-reliable NPFs |
A+ | Stable and reliable, the level of reputation of which is quite high |
A | Funds are verified and reliable, but are not included in the group of "unsinkable" |
B++ | Satisfactory level, have good reviews |
B+ | Raises doubts in some cases |
V | Low, no guarantee of stability |
C++ | Unreliable NPFs, the likelihood of license revocation is quite high |
C+ | Unsatisfactory reliability, with a very high chance of license revocation |
C | Bad reputation, there are cases of non-fulfillment of their obligations |
D | Fund - bankrupt |
E | Organizations that have lost their license or are in the process of liquidation |
Suspended | Rating temporarily suspended |
Revoked | Agency no longer supported |
Rating of NPFs of Russia in terms of reliability in 2018
The past year for NPFs was quite favorable, and at the end of 2016 and beginning of 2017, a slight but stable growth is observed. At the beginning of the year, there are 43 funds, the top ten practically did not change its composition:
Place in the ranking | Name of NPF | Rating RA Expert |
---|---|---|
1 | JSC "NPF Neftegarant" | A++ |
2 | JSC NPF Gazfond pension savings | A++ |
3 | JSC NPF Blagosostoyanie | A++ |
4 | JSC NPF VTB Pension Fund | A++ |
5 | JSC "MNPF Big Pension Fund" | A++ |
6 | JSC NPF Vladimir (TNK) | A++ |
7 | JSC NPF Atomgarant | A++ |
8 | JSC NPF "Safmar" | A++ |
9 | ZAO Surgutneftegaz | A++ |
10 | OJSC NPF "RGS Rosgosstrakh Pension" | A++ |
Rate of return of non-state pension funds
Along with reliability, it is customary to consider return on funds. Perhaps the percentage of profitability of NPFs is not a much subjective indicator, which is influenced by many factors: financial market, economic stability (including political stability), inflation, etc. However, it should first of all be guided by when choosing an NPF.
Profitability data is also published on the website of the Central Bank of the Russian Federation:
Place in the ranking | Name of NPF | Yield (at the beginning of 2017) |
---|---|---|
1 | JSC "NPF" Defense Industrial Fund named after V.V. Livanov» | 14,52 |
2 | JSC NPF Promagrofond | 14,23 |
3 | JSC NPF Almaznaya Osen | 14,05 |
4 | JSC NPF First Industrial Alliance | 13,43 |
5 | JSC NPF UMMC-Perspektiva | 13,07 |
6 | JSC NPF "Telecom-Soyuz" | 12,81 |
7 | JSC NPF Sotsium | 12,62 |
8 | JSC NPF Surgutneftegaz | 12,39 |
9 | CJSC "KITFinance non-state pension fund" | 12,16 |
10 | CJSC NPF Nasledie | 12,02 |
This list is updated annually and is formed taking into account all organizations that exist at the end of the year.
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