NPF with high profitability. Reliability of non-state pension funds
In 2018, the next pension reform awaits Russians. What exactly it consists of is still unknown, but, according to the Minister of Finance of Russia, accumulation system three years ago has finally become a thing of the past. And the new system should stimulate workers who “want to have a decent pension” to invest this money. But where exactly?
NPF "VTB Pension Fund", like other participants in the rating, has the highest rating ruAAA, which, according to the compilers of the rating, experts of the agency " Expert RA», Guarantees maximum financial stability, reliability and creditworthiness.
A pension fund with such a pleasant name was created in the mid-90s under the auspices of the Russian railways". In the twenty years that have passed since its foundation, the number of people who have applied to Welfare has reached 1.2 million.
By the way, in 2014 "Welfare" "doubled" - a separate legal entity NPF "Future" was separated from it. Since then, "Blagosostoyanie" has dealt only with its clients - employees of Russian Railways, but "Future" is open to everyone.
It is not immediately possible to understand the situation with Gazfond. At first, there was just NPF Gazfond, which provides citizens of the Russian Federation with both pensions and pension insurance.
The NPF was developing steadily and quickly - by 2009, in terms of the number of assets, it was ahead of all other non-state pension funds... The fund had a non-profit status, however, due to the tightening of legislation and increased requirements for the transparency of funds, it was decided to reorganize.
A new legal entity was separated from Gazfond - Gazfond Pension Savings, which took the second place in the rating of the most reliable NPFs in Russia in 2018. And the “old” Gazfond is still non-profit and deals exclusively with corporate pensions.
The reason for the large volume of assets of the "Pension Savings Fund" is the reorganization of the "Gazfond" carried out in 2016, as a result of which several NPFs were merged into the newly formed fund.
After the merger, the number of clients of Gazfond Pension Savings exceeded six million, and the volume of reserves - 16 billion rubles. Both organizations and individuals can become clients of the fund; however, the fund's branches are mainly located in Moscow and St. Petersburg.
As "Sberbank" is the leader in the list of banks in terms of the number of clients, so NPF "Sberbank" ranks first in the reliability rating... It is supported by both the long period of existence on the market, and the number of clients exceeding 6.8 million people, and the volume of assets (in the first quarter of 2017 it exceeded 435.2 billion rubles).
And at the end of 2017, NPF Sberbank also expanded - it acquired NPF VNIIEF-Garant.
According to customer reviews, NPF Sberbank has a lot of advantages. These include a huge number of branches throughout Russia, quick conclusion of a contract, reliability, high income and personal online account... However, there are also enough shortcomings, and most of the reviews call the poor quality of service the main one. In addition, money does not always come to clients' accounts on time.
Before transferring pension money from the PFR to a non-state fund, you need to study at least one rating of the NPF of Russia, which is relevant at the end of 2018 - the beginning of 2019. In our review - those who are leading in the top according to the main criteria - profitability and reliability.
The strongest remain
The Bank of Russia annually updates the list of non-profit pension funds that can earn the trust of the population. Companies deprived of licenses drop out of it, and the weakest players in the market find themselves in the last positions.
The statistics data looks like this:
since 1997, the number of NPFs has decreased from 252 to 69;
38 of the operating companies participate in the deposit guarantee system, 31 do not;
total in non-state structures placed pension savings worth more than 4 trillion rubles.
The market for non-state pensions is developing dynamically, while it is natural that the strongest remain on it, and the weak either leave or unite.
The three funds that, one way or another, appear in all the authoritative tops include:
VTB Pension Fund.
Sberbank;
According to Deputy Chairman of the Central Bank Sergei Shvetsov, the non-state pension market is carefully controlled by:
"Hard dropout" through the pension savings guarantee system;
tirelessly monitoring the investment strategies that a particular fund chooses;
conducting stress tests to fulfill obligations to depositors;
control over the quality of the origin of the fund's capital.
This allows the Central Bank to ensure that not those who want to “grab the money and run away” are left in the market, but who are determined to “do normal business,” Shvetsov explained.
The most reliable
The criterion of reliability assesses how stable a particular company is. In the first places in the 2018 NPF rating are those who are not afraid of financial cataclysms of both state and global scale. Investments in them are insured and financially secured. On the last lines are funds with an unstable position and high risks to bankruptcy.
Name |
Property (in million rubles) |
1.Sberbank |
|
2.Gazfond |
|
3.Welfare |
|
4 the future |
|
5.Lukoil-Garant |
|
8.Gazfond pension savings |
|
9. NPF of the electric power industry |
|
10 VTB Pension Fund |
The total capital of the five leaders in the 2019 NPF reliability rating, according to the Central Bank, is 2/3 of the total capital of all market players. Which year in a row "daughter" is in the lead the largest bank countries, while the volume of savings in NPF "Sberbank" for the year increased by more than 44%.
A surprise was a powerful increase in Samfar's savings, which broke into the 6th line of the top and increased the number of customers 10 times over the year. The reason for the breakthrough was the consolidation of the PF of the Bin group.
Accumulation of Soglasiy, Surgutneftegaz and Doveriya, which were not included in the top 10, doubled their savings - and this is a good indicator of trust on the part of investors.
On a note! In addition to reliability, one should check whether the fund is included in the system of guaranteeing the rights of insured persons by the DIA. In the event of force majeure, the state returns the savings to the citizens instead.
Most profitable
Fund performance is how much the company has increased its pension savings... It is impossible to calculate in advance the size of the percentage of investments, however, stable NPFs often already at the conclusion of the contract announce the expected profits or, at least, demonstrate the indicators of previous years. The NPF profitability rating 2019 will help you choose the company that earned the maximum amounts for its clients in the current year.
Here's how investments were distributed in 2018:
corporate bonds - 50.2%;
state securities – 10,1%;
shares - 17.3%.
On a note! The average return on investment was 10.8%.
Name |
Profitability (% per annum) |
1.KIT-Finance |
|
2.Gazfond pension savings |
|
3 legacy |
|
4.Promagrofond |
|
5 diamond autumn |
|
6.Atomfond |
|
8.National NPF |
|
9.UGMK-Perspective |
|
10 VTB Pension Fund |
The list of NPFs by profitability rating 2019 demonstrates that the “largest” does not always become synonymous with “financially successful”. Thus, KIT-Finance pleased most of all clients, while Sberbank, the leader of the top reliability, was not included in the top ten.
Independent ratings
In addition to the opinion of the Central Bank, it is possible to find out other expert assessments, for example, the rating agency "Expert" or the National Rating Agency.
Here is what the top most reliable NPF looks like according to RA Expert:
Name |
Forecast |
1.Neftegarant |
Stable |
2.Diamond Autumn |
|
4.Atomgarant |
|
5 welfare |
|
6 the well-being of EMENSI |
|
7.Large |
Positive |
8 Vladimir |
Stable |
9.VTB Pension Fund |
|
10.Gazfond |
Trust but verify
A recent poll by the National Financial Research Agency found sharp drop the level of confidence in non-profit pension funds. This is not surprising, because every year there are more and more people who complained about the "withdrawal" of their pension to another fund. Deceived depositors, according to the Central Bank, are already more than 2.5 thousand people.
More often than not, people learn about fraud from "letters of happiness" - reports that companies send. The "old" NPF writes that it "stops its activity", the "new" one invites to sign a new agreement. As a result of the "uncoordinated transition", the depositor loses the interest due, because applicable laws You can painlessly change your company no more than once every 5 years.
Today, more than a hundred non-state pension funds offer their services in the pension market of the Russian Federation. Each of them offers its own conditions, assuring that it is in their company that they are the best and most profitable. When the supply begins to exceed demand, the techniques of black competition begin to go into action and it becomes really difficult to find a truly reliable and safe fund. Hasn't been created yet official rating non-state pension funds in Russia, but such can be considered organisation's list Expert RA. It is recognized by the Bank of Russia, the Ministry of Finance RF and received an official approved by the Association and NA NAPF.
What information does the rating give?
The information on this page is collected from open sources, including from the rating of the Expert RA agency. What information can you glean about non-state pension funds? The rating will show: whether the fund fulfills its obligations, how reliable it is, what is the dynamics of its development, how long ago it was founded, what is the forecast of its activities for the coming years, how many clients the company now has, what amounts are paid, what are the reserve savings and profitability.You can find out both the current rating of pension funds for 2015 and for 5 years.
Rating methodology
The complete assignment algorithm is confidential information, we will only tell you its main nuances. It should be understood that the main task of the NPF ranking is to assess the company's ability to fully and timely fulfill its obligations on contracts ... Information is taken exclusively from open sources, including: conclusions of the actuary, results of the audit for the last few years, license, charter, pension and insurance regulations organizations, various mandatory forms of NPF (statements of profit and loss, aboutdirections of spendingfunds, on the fulfillment of obligations under contracts, etc.), investment strategy, independent statistics and verified information from the media.
The list of NPFs with ratings is formed at first without taking into account external factors(owners and the state), and only then is correlated with taking into account stress factors and other side sources of impact. Market positions are studied (number of clients, geography of activities, reputation of the company and its founders / investors), the financial analysis(capital, reserves, possible risks strategy and its effectiveness) and overall management is assessed (for example, information transparency and risk management).
Rating scale
Such indicators as profitability or the number of clients do not require additional classification, but the abstract concept of reliability was reduced by the Expert RA agency to the distribution by class. Don't know who to believe and where to transfer your pension savings? The rating of the best NPFs will help you decide! Each fund is assigned a letter equivalent: from E to A ++. Let's take a closer look:
E - the fund is in the process of liquidation or the license has been revoked;
D- the company is declared bankrupt;
C - there were cases of non-fulfillment of obligations;
C + - unsatisfactory level of reliability, the likelihood of losing a license is very high;
C ++ - extremely low level reliability, there is a high probability that the fund will not fulfill its obligations, go bankrupt or revoke the license;
B - low level of reliability;
B + - not a very high level of reliability, problems are possible in situations associated with the need for significant payments;
B ++ - satisfactory level;
A - high level of reliability;
A +- very tall;
A ++ - exceptionally high level of reliability, successful cooperation is guaranteed in any market fluctuations.
The very fact of assigning a rating to a non-state pension fund speaks of the company as an official organization and it is recommended to contact them first of all. The rating of the best NPF in Russia for 2015 helps to objectively assess their chances for a mutually beneficial partnership and insure against all possible troubles associated with the loss of part or the full amount of contributions.
Summing up, we can say that the most important indicators on the basis of which one can form an objective opinion about the company are its average annual profitability, the number of customers, the amount of savings and the reliability rating from Expert RA. We sincerely hope that if you do not know how to choose an NPF, then the rating for 2015 on our website will help you make a decision. We wish you a successful and safe investment!
(1
estimates, average: 5,00
out of 5)
Which NPF is the most reliable? Companies providing services for the preservation and growth Money for the provision of persons who have reached retirement age is becoming more and more. In order to know, there are ratings of NPFs.
The leading rating agencies of Russia have compiled their ratings of the reliability of non-state funds. According to Expert RA and National Rating Agency”, The leading position is taken by NPF“ Blagosostoyanie ”. The data for the other places in the NPF rating differ slightly.
According to Expert RA agency, in the group of extremely high reliability (A ++) there are 17 NPFs, the group of very reliable funds (A +) consists of 9 NPFs, in the group of reliable funds - 2 NPFs and one fund is in the zone of a very low reliability rating (C ++).
NPF reliability rating from Expert RA agency
1. Non-state pension fund (NPF) "Blagosostoyanie"
This fund has been on the market for over 15 years and is one of the largest organizations in its field. The company is engaged in the preservation, augmentation and payment of funds to support people who have crossed the line of reaching retirement age. Blagosostoyanie serves the employees of the most famous and largest company organizing transportation in the Russian Federation - JSC Russian Railways.
The system for work with clients and management has been brought to the highest level - international standard ISO 9001: 62 008. The company ranks first among other NPFs in the country in terms of the number of depositors and percentage of profitability.
2. CJSC "Promagrofond"
It has been on the pension services market for over 10 years. The fund is engaged in receiving and storing funds, investing and paying pensions to people who have reached a certain age.
3. ZAO Raiffeisen
Thanks to the strong return from the advertising campaign, the NPF has rapidly gained momentum over the past few years. The company actively cooperates with the state PF of Russia, offering a co-financing program for investments and offering compulsory pension insurance. The Fund has been holding the position of one of the most reliable non-state funds in the country for several years.
4. CJSC "KITFinance"
The Fund has been holding leading positions in the ratings of various agencies for the number of depositors and insured people for 5 years. The organization took the Rospotrebnadzor Prize and was twice a laureate of the Financial Elite financial prize. Recent times popular.
5. JSC NPF "European Pension Fund"
It has been operating since 1994 and for several years has been occupying the first positions in increasing the invested funds.
The high prevalence of dealer offices (about 60 cities in the country), the high level of income, the reliability of preserving investments and a large amount of savings in the fund testify to its active growth. It is one of the NPFs that are regulated by a special self-regulatory body - the National Association of Non-State Pension Funds.
6. Sberbank JSC
One of the very first non-state funds to appear in the country. The company has been operating for 20 years. She began her activity by the Decree of the President of the Russian Federation. PF Sberbank is among the top ten non-state funds in Russia. At the moment, the number of Sberbank NPF depositors is more than 1 million people.
The fund has a high level of public confidence, because its founder is the largest and reliable bank Russia OJSC "SberBank of Russia".
7. "Atomgarant"
The foundation has been operating since 1994. The depositary exercises control over the pension reserves every day. All results on the work of the foundation for one calendar year are published in the periodicals.
8. "Welfare of EMENSY"
The company has been on the pension services market since 2002. The activities of the fund are deposits, control over funds, pension financing of citizens.
9. "Big MNPF"
The fund has existed for 20 years and is one of the largest private pension funds in Russia. Most of the fund's clients are large enterprises of the Russian Federation (municipal and commercial). NPF contributors include many industrial enterprises country.
10. JSC "Vladimir"
Founded 20 years ago, in 2001 the fund was renamed TKN Vladimir, and in 2014 - back. Since 2008, the company has been assigned a high level of reliability, in 2010 - a very high level of reliability, and in 2012 - an increased level (A ++) and it still maintains its position.
"Expert RA" in its rating, consisting of 29 non-state pension funds, shows only one organization that received an extremely low interest reliability - "First National PF". Its rating was C ++, which means extremely low reliability of the fund. The company received such an assessment due to its difficult financial situation and the likelihood of an early license revocation. Its rating varied in the region, A and, A + from 2010 to November 2015. In November, it fell to a low level of NPF reliability (B +), and in December, it dropped to C ++ altogether.
NPF reliability rating from the agency "NRA"
- « Welfare ".
- KITFinance CJSC.
- JSC "European PF".
- OJSC LUKOIL-GARANT. This NPF was included in the reliability rating for the fact that it has been working in Russia for more than 10 years. The fund focuses on high returns with low risks of loss of funds.
- « Neftegarant ". Since 2013, the fund has been rated AA and it is increasing every year.
- JSC "Electric Power Engineering". Has been working in the field of providing pension services for over 20 years. Last years is one of the leaders in terms of the number of depositors (over 1.6 million people), the amount of funds invested and reserves.
- JSC "RGS". One of the most popular insurance companies, Rosgosstrakh, established the NPF OJSC RGS in 2002. A recognizable brand brings a large number of clients to the fund - more than 2.5 million people and in terms of number cash deposits- 120 billion rubles. The fund has about 65 branches throughout Russia.
- SberBank JSC.
- OJSC "TelecomSoyuz"... The foundation has been operating since 1996. The company provides services for compulsory pension insurance and a non-state program for providing pensioners. Since 2013, the fund has been awarded a reliability rating of A ++, which is confirmed within 2 years. The company also received several diplomas from the Expert RA agency.
- "Heritage". One of the oldest NPFs in Russia, it was established in 1993. The company cooperates with many organizations in the country. Already about 17 thousand people receive a pension from the reserves of "Heritage", and more than 100 thousand make deposits. The fund received many prizes, diplomas and awards, was the winner of several Russian prizes in the field of non-state pension insurance.
CJSC Uralsib is awaiting confirmation of its rating at the AA- level, which means the average stability of the fund's reliability... Heritage CJSC has already confirmed its position in the rating at the AA + level, which means high reliability of the fund.
One should start thinking about pension savings from the very first years of employment. With this approach, by the time of the onset of retirement age, there is every chance of not being left behind with the smallest state payments.
Accredited non-state pension funds will help you to increase your future pension. The most profitable of them entered rating of NPF of Russia 2015... The statistics on the reliability and profitability of funds show the stability of the participants and, as a consequence, the degree of trust in them.
This list is outdated, see updated in terms of profitability and reliability.
NPF offers its clients programs for state co-financing, supplementary pension provision, compulsory insurance. Legal entities NPF offers corporate programs.
9. "Big Pension Fund" NPF (10.67%)
NPF has been operating since 1995 and is one of the pioneers in the domestic pension market. More than 500 thousand people from 50 regions of the Russian Federation are the clients of NPFs. Their corporate pension programs through NPFs are carried out by Russian Aluminum, RENOVA, and AFK Sistema.
8. National NPF (10.78%)
NPF was established in 1997. The fund makes pension payments through the Sberbank of the Russian Federation, as well as the Zenit banking group. The fund has an A ++ rating, which indicates its high reliability.
7. NPF "Education and Science" (11.08%)
The Foundation was established in 1994 by the Trade Union of Education and Science Workers of the Russian Federation. NPF offers programs of non-state pension provision, compulsory insurance as well as co-financing of pensions.
6. NPF "Ural Financial House" (11.38%)
The fund has been operating in the pension market since 1996. The founders of the NPF are ZAO Parma-Pension, as well as companies of the diversified Perm Financial and Industrial Group.
5. Welfare of NPF (11.68%)
One of the largest NPFs in the country has been operating since 2005. The fund implements a corporate pension program with Russian Railways. NPFs have a maximum reliability rating - A ++.
4. NPF "Defense Industrial Fund" (11.94%)
The NPF received its perpetual license in 2006. Today the fund works with 6 management companies. Reliability rating - A, investment policy is closer to conservative.
3. NPF "Education" (12.1%)
NPF was established in 2001 to work in the public sector. However, it gradually became universal, and its services are available to everyone. NPF offers 3 pension schemes with different payment options: solidarity, with temporary pension payments (from 2 to 30 years) and with lifetime pension payments.
2. NPF "Surgutneftegas" (14.11%)
This year, the fund will celebrate the 20th anniversary of its work in the pension investment market. NPF has the highest A ++ reliability rating combined with maximum investment return.
1. European Pension Fund (14.37%)
The NPF profitability rating is topped by a company that has an A + reliability rating from Expert RA. The fund received a perpetual license in 2004, and has been operating in the pension savings market since 1994. Last year he was also awarded 1 place in.
NPF reliability and profitability table:
A place | Name | Rating RA Expert * | Profitability,% |
---|---|---|---|
1 | A + | 14.37 | |
2 | NPF "Surgutneftegas" | A ++ | 14.11 |
3 | NPF "Education" | - | 12.1 |
4 | NPF "Defense Industrial Fund" | A | 11.94 |
5 | Welfare of NPF | A ++ | 11.68 |
6 | NPF "Ural Financial House" | - | 11.38 |
7 | NPF "Education and Science" | - | 11.08 |
8 | A ++ | 10.78 | |
9 | "Big Pension Fund" NPF | A ++ | 10.67 |
10 | - | 10.5 | |
11 | NPF "Magnit" | - | 10.36 |
12 | ONPF "Trust" | - | 10.34 |
13 | Non-profit organization NPF "Vladimir" | A ++ | 9.92 |
14 | NPF "Povolzhsky" | - | 9.87 |
15 | NPF "SberFond RESO" | A + | 9.85 |
16 | RSPF "SIBERIAN SBERFOND" | - | 9.63 |
17 | NPF "Doverie" | A + | 9.56 |
18 | NPF OPK | - | 9.56 |
19 | NPF "Transneft" | A ++ | 9.49 |
20 | Lukoil GARANT | A ++ | 9.44 |
21 | NPF Telecom-Soyuz | A ++ | 9.31 |
22 | NPF "Social Development" | - | 9.24 |
23 | MNPF "AQUILON" | - | 9.23 |
24 | OJSC "NPF GAZFOND pension savings" | A ++ | 9.19 |
25 | NPF "Social World" | - | 8.69 |
26 | NPF "Promagrofond" | A + | 8.66 |
27 | Khanty-Mansi NPF | A | 8.56 |
28 | NPF Volga-Capital | A + | 8.53 |
29 | KIT Finance NPF | A ++ | 8.49 |
30 | NPF "REGIONFOND" | - | 8.48 |
31 | URALSIB NPF | A + | 8.46 |
32 | NPF "Gefest" | - | 8.45 |
33 | NPF Sberbank | A ++ | 8.24 |
34 | NPF "Neftegarant" | A ++ | 8.24 |
35 | NPF "First Russian Pension Fund" | A | 8.16 |
36 | NPF VTB | A ++ | 8.15 |
37 | NPF of the electric power industry | A ++ | 8.04 |
38 | NPF "Renaissance Life and Pensions" | A + | 7.85 |
39 | NPF "MECHEL-FOND" | - | 7.83 |
40 | NPF "Consent" | - | 7.56 |
41 | NPF "Atomgarant" | A ++ | 7.08 |
42 | NPF "Alliance" | A ++ | 6.9 |
43 | NPF "Raiffeisen" | A ++ | 6.75 |
“A ++"- Highest level of reliability
”A +"- High level of reliability
”A”- Normal reliability
“-
”- Rating not assigned by the agency