Income of non-state pension funds. The most profitable non-state pension funds in Russia: official rating
After it happened in our state, citizens of the Russian Federation were asked to leave their pension in the PFR or to choose any of the available NPFs. Before making a transfer, it is necessary to study the rating of private pension funds in Russia. This is very important, since their reliability and integrity is the key to a comfortable life after the official end of work.
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Accumulation system
A lot of time has already passed since the formation of private pension funds in Russia and the beginning of their active work, but many citizens still do not understand why there was such a “separation” of how to choose a private pension fund.
To answer this question, it is worth a little deeper into the system of formation of accumulations. 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 “joint tariff”. This is in no way recorded on the personal account of its owner;
- 16% of the 22% indicated above - these are the very deductions that form the person’s subsequent 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 for the organization of welfare:
- all 16% can go on;
- only 10% of them will be such a part, and the remaining 6% will constitute.
In addition, a citizen has every right to increase his funded component before retiring by:
- Voluntary depositing funds to the account.
- Use maternity capital for these purposes.
- Investing finance.
It is worth noting that the Pension Fund of Russia has its own UK (), limited for citizens to choose. Profitability will depend on the actions of our state in pursuing a policy of indexing the insurance component, as well as profit on investments of trust management companies.
Important! A citizen chooses a private pension fund by studying 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 appropriate one by evaluating all the criteria, including success, position in the rating, NPF profitability, popularity, work experience, customer reviews, etc.
How to choose a non-state pension fund
If a citizen finally decided to transfer the formation of his future pension to a non-state fund, then it is worth paying special attention to him.
- the 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 are listed as members of the fund is important;
- profitability for the entire period of work, as well as for the last reporting period;
- “Transparency” of the activities of NPFs, that is, access to 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 are focusing more on profitability when studying the ratings of pension funds.
Rate of return
This factor is one of the key in the rating of NPFs in Russia. Speaking about it, you need to consider that this indicator is somewhat subjective and volatile. Therefore, positions in the ratings may vary depending on the amount of profit from various investment programs in which the funds participate.
All ratings of non-state pension funds in terms of “profitability” are compiled annually. It is better to study those conducted by reputable companies based on in-depth research. The most important compiler of the NPF rating is the Central Bank of our state.
He conducts a study of fund returns by:
- What is the profitability of an investment strategy?
- How long is the money used by an 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 took the first line in the second indicator.
Advice! Which NPF to choose for profitability is the subjective opinion of every citizen.
Do you need on this issue? 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 with the Central Bank of Russia. It is on the basis of the information and analytics of this institution that agencies compose their ratings.
Today, there are only 2 companies that are included in the specialized register of rating agencies:
- “Analytical Credit Rating Agency” (ACRA), but for 2018 he did not compile a cherished 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 non-state pension fund.
“Expert RA” has developed a universal and very convenient scale by which one can easily determine the level of reliability of the fund. 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 +” are institutions with a very good reputation, almost impeccable;
- A group of funds with the indicator “A” are also leaders, but they have not “reached” the sign of the so-called “unsinkability”;
- the next letter designation with two, one plus and without one is “B”. If we consider them together, it can be noted that such NPFs have a satisfactory reputation, do not have bad reviews, but in some cases some doubts arose. Category “B” NPFs have a low level of reliability and do not guarantee a clear line of stability;
- as you might guess, the next grouping is denoted 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” is the disgusting reputation of non-state pension funds that do not give their clients due attention, 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 non-state pension funds bankruptcies, the second shows enterprises that have lost their licenses or are being liquidated.
Title | Year of Est. | Assets (thousand r) | Capital (thousand p) | Penny. accumulated (thousand rubles, market value) | The number of fences. of persons | The number of fences. persons received penny | Pension payments under the OPS (thousand r) |
NPF Sberbank JSC | 1995 | 468241144 | 20340270 | 443721612,1 | 6828053 | 8423 | 165618,53 |
NPF LUKOIL-GARANT JSC | 1994 | 283952857 | 9092892 | 253195394,3 | 3507809 | 13275 | 239940,39 |
NPF FUTURE JSC | 2004 | 295774586 | 2270125 | 289771636,6 | 4445180 | 10146 | 162710,97 |
OAO NPF Gazfond Pension Accumulations | 1994 | 181150751 | 9414120 | 178316651,8 | 1468673 | 38291 | 70523,81 |
OAO NPF RGS | 2002 | 198893355 | 13550119 | 182152160,9 | 3162840 | 2746 | 62087,37 |
NPF VTB Pension Fund JSC | 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 |
NPF Trust | 1997 | 98628101 | 2543386 | 98287978,21 | 1962949 | 372 | 11374,44 |
CJSC NPF Heritage | 1993 | 70909207 | 5240782 | 54429971,13 | 791388 | 4190 | 59663,15 |
NPF Soglasie JSC | 1994 | 72856577 | 2152714 | 71691067,99 | 1143020 | 723 | 10473,42 |
MNPF BOLSHOY JSC | 1996 | 37113495 | 2134300 | 34163293,02 | 409941 | 2511 | 48144,28 |
NPF SAFMAR JSC | 2004 | 201303967 | 8363374 | 188296293,6 | 2270915 | 2153 | 43793,1 |
JSC "National NPF" | 1997 | 32888130 | 4380178 | 16428195,69 | 280404 | 1224 | 23953,12 |
NPF Socium JSC | 1994 | 16869564 | 1017790 | 14549440,74 | 239629 | 1003 | 10950,22 |
JSC Khanty-Mansiysk NPF | 1995 | 30234260 | 936782 | 12959137,74 | 128421 | 1155 | 23987,09 |
NPF Magnit JSC | 1995 | 12772816 | 623159 | 12267579,17 | 222093 | 115 | 605,99 |
NPF Surgutneftegas JSC | 1995 | 32781595 | 11408340 | 8260013,28 | 36106 | 98 | 3742,1 |
NPF Social Development JSC | 1997 | 10443519 | 984294 | 6784921,13 | 89978 | 523 | 7715,01 |
NPF Transneft JSC | 2000 | 89546597 | 11602555 | 8828190,05 | 50824 | 210 | 4182,74 |
NPF UMMC-Perspective JSC | 2001 | 10221054 | 1230434 | 7623226,51 | 74842 | 472 | 9642,66 |
NPF NEFTEGARANT JSC | 2000 | 7255935 | 652004 | 6857824,78 | 65152 | 310 | 6418,88 |
NPF Atomfond JSC | 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 Trust | 1993 | 5968798 | 423299 | 5485052,49 | 108789 | 7213 | 6366,79 |
JSC "NPF" Education " | 2001 | 6048737 | 473003 | 5356827,24 | 109119 | 400 | 5875,27 |
JSC NPF Stroykompleks | 1994 | 4323648 | 537469 | 2872500,41 | 42573 | 55 | 2862,44 |
JSC NPF Diamond Autumn | 1995 | 19315536 | 1464355 | 3424095,82 | 34263 | 6861 | 8409,03 |
NPF Volga-Capital JSC | 1999 | 5752254 | 323557 | 4138795,71 | 67082 | 176 | 2804,27 |
NPF Vladimir JSC | 1995 | 5575015 | 810900 | 1946506,32 | 18373 | 177 | 3352,96 |
NPF First Industrial Alliance JSC | 1999 | 6069852 | 712346 | 1672092,46 | 32509 | 327 | 3907,53 |
JSC "NPF" Hephaestus " | 1993 | 3362079 | 278690 | 2799468 | 32266 | 196 | 3940,63 |
NPF Telecom-Soyuz JSC | 1996 | 34428076 | 11014272 | 1751302,23 | 17485 | 138 | 3220,68 |
JSC NPF JSC NPF OPK | 1994 | 1942356 | 226879 | 1031628,77 | 13227 | 227 | 2354,74 |
MNPF AKVILON OJSC | 1998 | 2072889 | 360018 | 1023334,62 | 12005 | 36 | 644,82 |
JSC NPF Rostvertol | 1994 | 2117831 | 248302 | 752847,48 | 9812 | 66 | 1283,49 |
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 |
NPF AvtoVAZ JSC | 1994 | 2485698 | 294277 | 840826,81 | 7617 | 26 | 549,08 |
NPF Alliance JSC | 2004 | 3548242 | 353390 | 467499,81 | 2452 | 3 | 289,04 |
Other indicators
In addition, rating companies compile lists based on the following indicators:
- number of participants;
- the size of the average customer account;
- the amount of pensions paid;
- on capital and reserves, etc.
You can find them on the official website of Expert RA.
Attention! Citizens are given the right to transfer from one non-state fund to another if it is discovered that the performance of another NPF has increased and the place in the rating has become higher. Important! In the event of early termination of relations with an NPF, the investor bears the risk of loss of investment profit. Since the end of 2017, the Bank of Russia has decided to oblige the NPF to notify future retirees in advance of such risks. Previously, this was left to the discretion of the NPFs themselves.
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We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.
More and more Russians are striving to increase their future pension and are choosing 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.
The employer deducts monthly to the FIU 22% from the wage fund (official wage) of the employee. Of these deductions, 6% go to a joint tariff (for the formation of a fixed payment, etc.).
- If a citizen has settled on an insurance pension, the remaining 16% goes to its formation.
- If you choose mixed, then out of the total amount of transfers, 10% goes to the formation of the insurance payment, and 6% - to the formation of the funded pension.
Accordingly, Art. 11 and Art. 15 of the Federal Law No. 360 " About the procedure for financing payments from pension savings»From 11/30/2011. savings are personified and, unlike the joint system, are paid only to the person who contributed them. The accumulative pension payment is formed from insurance premiums, which the employer lists and contributions on a voluntary basis, as well as through their investment.
In 2018, the insurance premiums paid by employers for their employees go to formation of only insurance pension - This is due to a moratorium on pension savings, which was extended until 2020.
How to choose a non-state pension fund for the funded part of the pension?
To get the greatest income from investing pension savings, you need competently approach the choice of NPF. The Central Bank of the Russian Federation on the official website publishes data on the profitability of non-governmental funds, respectively, which should 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 NPFs. Choose funds created before the 2002 pension reform. If the fund was created in 1995 and is still operating, this is already an indicator of reliability, as 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 customers.
- Founders. The most reliable are foundations, the founders of which include large representatives of the economic sector involved in the transportation and production of oil, gas, minerals, large electric power and metallurgical enterprises, and others.
- Profitability.If the reliability of NPFs can be verified by the above parameters, then with profitability it is much more difficult, because There are two returns:
- according to the Federal Service for Financial Markets (FFMS) - the main regulatory body of NPFs;
- according to the fund itself.
The values \u200b\u200bprovided by these two sources may vary. In reliable NPFs, the actual return (credited to customer accounts) is usually less than 0-3% than the official return on investment of savings funds or reserves, data on which can be found on the website of the Federal Financial Markets Service or the Central Bank.
It is also worth looking at profitability indicators 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 class system to determine this indicator, in accordance with which the reliability of non-state funds is assessed:
Reliability Rating | Decryption |
---|---|
A ++ | super reliable NPFs, unshakable by no crises |
A + | stable and reliable funds with a high reputation |
A | proven reliable funds not included in the “unsinkable” group |
C ++ | funds with a satisfactory level of reliability, the reputation of which is not tarnished by bad reviews |
B + | the reliability level of these funds is in doubt in some situations (for example, in cases where significant payments are required) |
IN | fund reliability level low, without 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 |
FROM | funds with a bad reputation, for example, cases of non-fulfillment of obligations to customers |
D | bankrupt funds |
E | funds that have lost their licenses or are in the process of liquidation |
Profitability statistics of Russian NPFs
An 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 over a long period, 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 five best models over the past few years include fairly well-known funds:
- Sberbank
- The trust.
- Steel fund.
- Lukoil-Garant.
They all consistently profitableand, what is very important, their long-term profitability overtook inflation. Data show that every client who invested in a popular European fund over the past 6 years has doubled their funds, increasing the well-being of people. And one of the largest investments by the PF Electric Power Industry, is consistently profitable, but it is more modest than inflation, the result of the state-owned VEB (Vnesheconombank) is slightly lower.
Rating to the number of insured persons
It seems that the more insured people are in the fund, the better. But judging NPFs by this criterion alone is not entirely correct, it’s better to do it in total with ratings for profitability and reliability for a certain period, preferably 5 years.
№ | NPF | The number of insured |
---|---|---|
1 | NPF 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 (AO) | 2 267 492 |
7 | NPF Trust (JSC) | 1 957 579 |
8 | NPF VTB Pension Fund (JSC) | 1 540 942 |
9 | NPF Soglasie (JSC) | 1 139 920 |
10 | NPF electric power industry (JSC) | 1 057 727 |
11 | MNPF “Bolshoi” (JSC) | 408 807 |
12 | National NPF (JSC) | 279 734 |
13 | NPF Socium (AO) | 238 816 |
14 | NPF Magnit (AO) | 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 (AO). It gives 14.21% of the return on invested savings, but it does not participate in the Expert RA rating.
- NPF Diamond Autumn (AO). With a stable rating of A + reliability, 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, it accrued income of almost 11.28% per annum, it was assigned an A ++ rating. Therefore, even in adverse situations, the probability remains that he will fulfill his obligations.
- NPF First Industrial Alliance showed 11% return on investment and it is assigned an A + rating.
At the beginning of 2017, there are 43 non-state pension funds. The volume of deposits of the population increased by 3.1%. The total accumulation of all NPFs in the Russian Federation reached 3.3 trillion rubles. See the latest NPF rating below.
One of the serious criteria when choosing a fund is its rate of return. According to this factor, a rating of statistics of TOP-30 NPF leaders in 2017 was formed.
№ | 30 NPF leaders 2017 | Income from the beginning of the year,% |
---|---|---|
1 | NPF Social Development (AO) | 14.72 |
2 | National NPF (JSC) | 12.09 |
3 | NPF UMMC-Perspective (JSC) | 10.91 |
4 | NPF Diamond Autumn (AO) | 10.69 |
5 | NPF Alliance (JSC) | 10.60 |
6 | Atomfond (JSC) | 10.55 |
7 | NPF VTB Pension Fund (JSC) | 10.54 |
8 | NPF OPK (AO) | 10.51 |
9 | MNPF “Bolshoi” (JSC) | 10.38 |
10 | NPF First Industrial Alliance (AO) | 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 Socium (AO) | 9.41 |
17 | NPF Surgutneftegas (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 (AO) | 8.19 |
22 | MNPF AKVILON (OAO) | 7.84 |
23 | NPF Telecom-Soyuz (JSC) | 7.58 |
24 | NPF Rostvertol | 7.26 |
25 | NPF AvtoVAZ (AO) | 7.24 |
26 | NPF PROFESSIONAL (OJSC) | 7.16 |
27 | 7.13 | |
28 | NPF Soglasie (JSC) | 7.01 |
29 | NPF EDUCATION (OJSC) | 6.61 |
30 | NPF Stroykompleks (ZAO) | 5.58 |
Analysts to identify the best NPFs in Russia evaluate the degree of their reliability. To do this, we study the investment methodology, its validity, analyze the state of the company today, its development prospects. According to these criteria, NPF leaders in 2017 TOP-30 are as follows.
NPF statistics data for 06/30/2017
№ | NPF | Pension savings (thousand rubles) | Market share, % |
---|---|---|---|
1 | 429 979 171 | 18.66 | |
2 | NPF GAZFOND pension savings (AO) | 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 (AO) | 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 electric power industry (JSC) | 90 661 864 | 3.93 |
10 | NPF Soglasie (JSC) | 70 501 309 | 3.06 |
11 | MNPF “Bolshoi” (JSC) | 32 931 345 | 1.43 |
12 | National NPF (JSC) | 15 550 894 | 0.67 |
13 | NPF Socium (AO) | 14 005 425 | 0.61 |
14 | Khanty-Mansiysk NPF (OJSC) | 12 417 441 | 0.54 |
15 | NPF Magnit (AO) | 12 129 512 | 0.53 |
16 | NPF Transneft (JSC) | 8 531 032 | 0.37 |
17 | NPF Surgutneftegas (JSC) | 8 005 750 | 0.35 |
18 | NPF UMMC-Perspective (JSC) | 7 341 401 | 0.32 |
19 | NPF NEFTEGARANT (JSC) | 6 603 245 | 0.29 |
20 | NPF Social Development (AO) | 6 525 684 | 0.28 |
21 | Atomfond (JSC) | 5 933 724 | 0.26 |
22 | ONPF Trust (CJSC) | 5 307 598 | 0.23 |
23 | NPF EDUCATION (OJSC) | 5 233 954 | 0.23 |
24 | NPF Oboron-Prom Fund V.V. Livanova (JSC) | 4 514 623 | 0.20 |
25 | NPF Volga-Capital (JSC) | 4 082 396 | 0.18 |
26 | NPF Diamond Autumn (AO) | 3 283 865 | 0.14 |
27 | NPF Stroykompleks (ZAO) | 2 757 567 | 0.12 |
28 | NPF Gefest (AO) | 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 performance indicators of NPFs (Bank of Russia, Q2 2017) -
The largest merger is being prepared on the NPF market
NPF Reliability Rating for 2017 from Expert RA Credit Rating Agency
The media, the Internet posted a lot of information about the mechanism for the formation of two parts of pension savings. Most citizens have already figured out that they have the opportunity to increase their well-being when they become disabled through the competent placement of the funded part. However, many people have a desire to understand in which particular nonprofit pension fund their capital can work productively. One of the guidelines for choosing NPFs is the rating of NPFs, which are created by independent companies. It is worth carefully approaching the choice of the fund, correctly evaluating all the indicators of their work, paying attention to the rating of NPFs in 2017 and 2018.
Non-state pension funds (NPFs) in Russia
Before proceeding with the selection of NPFs that you trust, it is worthwhile to understand what kind of organizations they are and what the specifics of their activities are. These are organizations that are engaged in profitable investments of investors in various projects. The extent to which capital is invested depends on how well 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 for working with funded parts of pension funds. They are created by some large companies for their own employees. But since the funds are not closed organizations, outsiders can also become their investors. The advantage of such non-state pension funds is the control over investment by the trade unions.
European Pension Fund can be considered one of the most popular options. It was a high degree of profitability that led to the creation of a solid base of investors. This organization has more than a million customers who have entrusted it with their accumulative deposits. The fund practices European standards of service, customers have the opportunity to open an office, monitor the movement of personal finances. The opportunity is provided to withdraw funds to another fund in case of bankruptcy.
A high interest rate is set for insurers who invest a funded part in Surgutneftgaz. Payments at rates are carried out in a timely manner, the organization has been operating for more than two decades, and has confirmed its reliability.
In its history, Surgutneftgaz is not inferior to the rating leader. This NPF was awarded the highest expert ratings for its level of profitability and degree of reliability.
The fund has a solid profitability level "Welfare". For 15 years, he managed to prove his ability to competently conduct business, successfully invest the finances of depositors. The number of clients of the organization exceeds one million, all of them receive payments on time.
NPF Blagosostoyanie received an A ++ rating in terms of reliability from experts. This is one of the best indicators for this criterion.
Qualified experts have assigned 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 fund is a member of the state co-financing program, which allows depositors to double their pension funds.
At European Pension Fund solid experience. Over 20 years, he managed to prove in practice his ability to successfully invest funds, to 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 options for pension schemes: life-time, temporary (2-30 years), and joint.
Defense Industrial Fund can be considered an ideal choice for those who prefer conservative, reliable options. This financial investment policy provides reliable income.
NPF Sberbank
Many future retirees prefer to trust their funded pension shares of NPF Sberbank. The main stimulating factor in this case is the state financial security. Sberbank offers several ways for those wishing to accumulate pension funds.
Compulsory insurance makes it possible to increase the funded shares of pensions through constant contributions. For clients who plan to maintain their current income level in retirement age, individual options are developed. 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 concern employees. The work of the fund is fully controlled by the trade union of the company, which eliminates the leakage of funds, cases of short-sighted investment of finances.
NPF "Trust"
NPF "Trust" was created 18 years ago. The founders are organizations that participate in the economic life of the Nizhny Novgorod region, reputable banks. The fund participates in a co-financing program, which allows to significantly increase the funded pension part. Guarantees are provided with full control over the activities of the FIU organization.
NPF "Consent"
The Concord Fund is the assignee of the Concord NPF OJSC. Qualified experts praise the organization’s work according to the criteria of profitability, stability, and the profitability of investing customer funds. The fund managed to double the performance that its predecessor had.
NPF "European"
In any rating of NPFs of Russia, the European Fund occupies one of the leading positions. This 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 investors to monitor the movement of finances in their personal account. The organization is included in the state co-financing program. The NPF accepts maternity capital to increase funded pension units, practices the development of individual pension plans, consulting, planning upcoming retirement benefits, providing customers with ideal conditions.
Pension Questions Legal Advice
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The conditions of the pension system, which is formed in the state, is an urgent issue for all citizens. After all, the conditions for receiving a pension and its size determine how a citizen will live after he no longer has the opportunity to work and earn. Serious changes introduced in 2015 led to the fact that in addition to the insurance part, the funded one was also mandatory, which implies the process of deducting a certain percentage of the salary to your personal account, the funds of which the citizen can independently manage. A growing number of people understand the importance of contacting trusted and reliable non-governmental institutions. The deciding best private pension fund rating 2019, which is compiled according to various criteria, will help you make a choice.
How does a non-state pension fund rate 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 percent of the amount, which makes the savings subject to inflation. Appeal to non-state pension funds will help to rectify this situation and begin to receive passive income from their savings, which in any case should be withdrawn from wages. A guarantee of obtaining high profitability and reliable operation for many is the rating of 2019 that evaluates each non-state pension fund. It is compiled by both the Central Bank and independent expert agencies. The main ones are assessments according to two criteria:
- profitability;
- reliability.
The best private pension funds according to various estimates
The Central Bank ranks market participants in several ways at once: the amount of its own resources, the observance of the rights of insurers, transparency of the fund, and a number of others.
Profitability rating of private pension funds
The compiled profitability rating of private pension funds is interesting due to rising inflation. If the long-term yield of the accumulated pension exceeds it, then such an offer may be interesting. According to the information provided, some non-state pension funds double their customers' savings.
Reliability of private pension funds 2019
Due to the instability of the economic situation and the long-term pension savings, the reliability rating of non-state pension funds 2019 is also relevant. Specialized rating agencies that 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 popular is the rating compiled by 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-profit form of social security. The main activity of these organizations is supplementary pensions and compulsory pension insurance, carried out on a voluntary basis.
Regulation of the activities of these organizations made by two laws:
- dated December 15, 2001 No. 167-FZ “On Compulsory Pension Insurance in the Russian Federation”;
- dated 05/07/1998 year No. 75-FZ " About non-state pension funds ”.
The legislation of the Russian Federation has limited the list of instruments for investing in private pension funds, which helps to ensure stability in 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 increase and preservation of 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 selected fund, the interest rate for investing savings applied to the funded part varies.
How to choose a non-state pension fund for the transfer of pension savings?
Choosing a non-state pension fund follows from those included in the insured persons. The size of the received investment income from accumulations 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 foundation, the more experience. Particular attention should be paid to firms that began their activities before 1998, as they survived two crises;
- Foundation Founders - the larger the parent organization, the more reliable the fund. Information about the founders must be indicated on the website of the NPF chosen by the citizen. It should also be chosen from organizations that are established by industrial, heat and power, engaged in mining enterprises, as well as by large banks, as a rule, these funds are the most stable;
- Degree of reliability - This indicator is calculated from several work criteria. These data are annually uploaded by rating agencies such as Expert RA, National Rating Agency;
- Profitability - Must exceed the inflation rate by several percent. This information is posted on the website of the selected non-state pension fund, as well as rating agencies. This indicator needs to be reviewed over several years to determine stability.
- Transparency and openness - the fund has a personal website, the ability to create a personal account, the completeness of the constituent and financial information.
- Fund reputation - customer reviews on forums and social networks.
How is the reliability of non-governmental NPs evaluated?
Fund Reliability - This is a guaranteed fulfillment of obligations to customers. It is evaluated by 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 staff is its qualifications and work experience.
- The composition of the founders - indicates proximity to leading, financially sustainable enterprises.
- Reputation in the market - suspension of a license, loss of balance, etc.
- Diversification of the investment portfolio - the distribution of risks between investment programs.
Expert RA Rating Agency
"Expert RA" - This rating agency, which is a leading analytical and communications center in Eastern Europe and the CIS, is a member of the international RAEX group, which conducts expert assessments and shows the degree of reliability of a particular organization. Currently, it occupies the first place in assigning individual ratings - more than 800, which makes 46% of the total number of assigned ratings.
The center’s specialists have developed a system for evaluating a number of indicators, according to which one can see the degree of firm reliability.
The main areas of his activity are:
- compilation of credit ratings of companies both private and municipal entities, as well as an assessment of their attractiveness;
- study banking, insurance, leasing, factoring markets, microfinance organizations and private pension funds;
- formation of rating lists companies in various industries.
NPF reliability scale (table)
To determine the degree of reliability, including non-governmental pension funds, the experts of Expert RA developed a class system:
Reliability Rating | Decryption of the level of reliability |
---|---|
A ++ | Super reliable NPF |
A + | Stable and reliable, whose reputation is high enough |
A | Funds are tested and reliable, but are not included in the “unsinkable” group |
C ++ | Satisfactory level, have good reviews |
B + | It is doubtful in some cases |
IN | Low, no guarantee of stability |
C ++ | Unreliable NPFs, the probability of license revocation is quite high |
C + | Reliability is unsatisfactory, with a very high probability of license revocation |
C | Bad reputation, there are cases of default |
D | Fund - Bankrupt |
E | Organizations deprived of a license or are in the process of liquidation |
Paused | Rating temporarily suspended |
Recalled | No longer supported by agency |
NPF Russia Reliability Rating in 2018
The past year for NPFs was quite favorable, and at the end of 2016 and the beginning of 2017, there was a small but stable growth. At the beginning of the year, there are 43 funds, the leading ten practically did not change their composition:
Ranking place | Name of NPF | Rating RA Expert |
---|---|---|
1 | JSC NPF Neftegarant | A ++ |
2 | JSC NPF Gazfond Pension Savings | A ++ |
3 | NPF Blagosostoyanie JSC | A ++ |
4 | JSC NPF VTB Pension Fund | A ++ |
5 | MNPF Big Pension Fund JSC | A ++ |
6 | NPF Vladimir JSC (TNK) | A ++ |
7 | JSC NPF Atomgarant | A ++ |
8 | NPF Safmar JSC | A ++ |
9 | CJSC Surgutneftegas | A ++ |
10 | OJSC NPF RGS Rosgosstrakh Pension | A ++ |
The rate of return of non-state pension funds
Along with reliability, it is customary to consider and fund return. Possibly, the percentage of profitability of NPFs is not a much subjective indicator, which is influenced by many factors: the state of the financial market, economic stability (including political), inflation, etc. However, it should be guided first of all when choosing NPFs.
Profitability data is also published on the website of the Central Bank of the Russian Federation:
Ranking place | Name of NPF | Profitability (at the beginning of 2017) |
---|---|---|
1 | JSC "NPF" Defense Industrial Fund. V.V. Livanova | 14,52 |
2 | NPF Promagrofond JSC | 14,23 |
3 | JSC NPF Diamond Autumn | 14,05 |
4 | NPF First Industrial Alliance JSC | 13,43 |
5 | NPF UMMC-Perspective JSC | 13,07 |
6 | NPF Telecom-Soyuz JSC | 12,81 |
7 | NPF Socium JSC | 12,62 |
8 | NPF Surgutneftegas JSC | 12,39 |
9 | CJSC “KITFinance private pension fund” | 12,16 |
10 | CJSC NPF Heritage | 12,02 |
This list is updated annually and compiled with all the organizations existing at the end of the year.