Average annual profitability of non-governmental pension funds. Rating of non-state pension funds in Russia

After it happened in our state, citizens Russian Federation it was proposed to leave your pension at the Pension Fund or choose any of the available NPFs. Before making a transfer, you need to study the rating of non-state pension funds in Russia. This is very important, since their reliability and integrity are the key to a comfortable life after the official graduation labor activity.

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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 active activities, but many citizens still do not understand why such a “separation” occurred and how to choose a NPF.

To answer this question, it’s worth delving a little deeper into the savings formation system. Thus, during the period of active official work, the employer transfers 22% of the citizen’s earnings for his future pension.

In this case:

• 6% of this figure is the so-called “solidarity tariff”. This is not taken into account in any way on the personal account of its owner;
• 16% of the 22% indicated above are the same deductions that subsequently form a person’s pension (insurance pension).

And that's not all. Thus, a citizen of the Russian Federation is given the right to choose how his 16% will behave 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 savings component before retirement by:

1. Voluntary contribution cash on account.
2. Use maternity capital for these purposes.
3. Investment finance.

It is worth noting that the Russian Pension Fund has its own management companies (), limited for citizens to choose from. Profitability will depend on the actions of our state to implement a policy of indexing the insurance component, as well as profits from investments of trust management companies.

Important! The citizen chooses the NPF himself, having studied the statistics and ratings of such funds. The profitability of such organizations depends mainly on successful investment. In this case, a person can choose the appropriate one himself, assessing all the criteria, including success, position in the ranking, NPF profitability, popularity, work experience, customer reviews, etc.

How to choose a non-state pension fund

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 for financial market;
• who are the founders of the funds. In this case, information about the companies that are listed as fund participants 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, accessibility for citizens to study all necessary information about his 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.

Profitability indicator

This factor is one of the key ones in the rating of Russian NPFs. 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 the various investment programs in which the funds participate.

All ratings of Non-State Pension Funds based on the “profitability” indicator 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 based on:

1. What is the profitability of the investment strategy.
2. How long does it take for an individual person to use their funds in the field of investing?

Important! It should be noted that according to these two criteria, different pension funds may be in first and second place.

So, for example, in 2018, Telecom-Soyuz was in first place in terms of investment efficiency (non-state pension provision), and in terms of the second indicator, the first place was occupied by NPF URALSIB.

Advice! Which NPF to choose based on profitability is the subjective opinion of every citizen.

Do you need information on this issue? and our lawyers will contact you shortly.

Reliability rating

Compiling reliability ratings of non-state pension funds is one of the main tasks of numerous rating and analytical agencies. A mandatory condition 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), however, they did not compile the coveted list for 2018;
• "Expert RA"

Important! It is better to study all Non-state pension funds based on their reliability rating based on their statistical data.

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 reliability of a fund. There are such designations (some of them):

1. “A++” is considered the best. A fund with this level is not afraid of crises and unstable financial condition;
2. “A+” are institutions with a very good reputation, almost impeccable;
3. The group of funds with indicator “A” are also leaders, but a little short of the mark of so-called “unsinkability”;
4. following letter designation with two, one plus and without one - this is “B”. If we consider them together, it can be noted that such non-state pension funds have a satisfactory reputation and 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;
5. as you can 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” is the disgusting reputation of non-state pension funds that do not provide their clients with due attention and poorly fulfill their obligations;
6. 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 shows enterprises that have lost their license or are being liquidated.

Name	Founding year	Assets (thousand rubles)	Capital (thousand rubles)	Penny. accumulated (thousand rubles, market value)	Number of insurances. persons	Number of insurances. persons, received penny	Payments of pensions under compulsory pension insurance (thousand rubles)
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 Heritage	1993	70909207	5240782	54429971,13	791388	4190	59663,15
JSC NPF Soglasie	1994	72856577	2152714	71691067,99	1143020	723	10473,42
JSC "MNPF "Bolshoi"	1996	37113495	2134300	34163293,02	409941	2511	48144,28
JSC NPF "SAFMAR"	2004	201303967	8363374	188296293,6	2270915	2153	43793,1
JSC National Non-State Pension Fund	1997	32888130	4380178	16428195,69	280404	1224	23953,12
JSC NPF Sotsium	1994	16869564	1017790	14549440,74	239629	1003	10950,22
JSC "Khanty-Mansiysk NPF"	1995	30234260	936782	12959137,74	128421	1155	23987,09
JSC NPF Magnit	1995	12772816	623159	12267579,17	222093	115	605,99
JSC NPF Surgutneftegas	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-Perspective"	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 named after. 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 "Diamond Autumn"	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
OJSC "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 Professionalny	2001	5870258	3012297	870696,15	8935	40	754,84
JSC NPF Federation (JSC NPF Captain)	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 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.

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 performance has increased and its place in the ranking has become higher. Important! If the relationship with a non-state pension fund is terminated early, 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 in advance about such risks. Previously, this was left to the discretion of NPFs themselves.

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In 2018, Russians will face another pension reform. What exactly it consists of is still unknown, but, according to the Russian Minister of Finance, the funded system of three years ago has finally become a thing of the past. A new system should encourage 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, specialists from the Expert RA agency, guarantees maximum financial stability, reliability and creditworthiness.

The pension fund with such a pleasant name was created in the mid-90s under the auspices of the Russian railways" Over the twenty years that have passed since its founding, the number of people who turned to “Welfare” has reached 1.2 million.

By the way, in 2014, Blagosostoyanie “doubled” - a separate legal entity, NPF Future, was spun off from it. Since then, “Welfare” has been dealing only with its clients - employees of Russian Railways, but “Future” is open to everyone.

The situation with Gazfonds cannot be immediately understood. At first there was simply a non-state pension fund "Gazfond", providing citizens of the Russian Federation with both pension provision and pension insurance.

The NPF developed 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, but due to tightening legislation and increased requirements for transparency of funds, it was decided to reorganize.

A new legal entity was separated from Gazfond - Gazfond Pension Savings, which took second place in the ranking of the most reliable NPFs in Russia in 2018. And the “old” Gazfond still remains non-profit and deals exclusively with corporate pensions.

The reason for the large volume of assets of the Gazfond Pension Savings is the reorganization of the Gazfond carried out in 2016, as a result of which several non-state pension funds were merged with the newly formed fund.

After the merger, the number of Gazfond Pension Savings clients exceeded six million people, and the volume of reserves exceeded 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.

Just as Sberbank leads the list of banks in terms of the number of clients, so Sberbank NPF ranks first in reliability rating. Its longevity on the market, 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) speak in its favor.

And at the end of 2017, NPF Sberbank also expanded - it acquired NPF VNIIEF-Garant.

According to customer reviews, Sberbank NPF has quite a lot of advantages. These include a huge number of branches throughout Russia, quick conclusion of an agreement, reliability, high income and personal online account. However, there are plenty of shortcomings, and the main one, most reviews cite the poor quality of service. In addition, money does not always arrive in customer accounts on time.

There are numerous non-state pension funds (NPFs) in the Russian Federation. And choosing the right one is a responsible and difficult matter, you must take into account rating of reliability and profitability of NPFs of Russia 2016 according to statistics from the Bank of Russia.

To make this task easier, we have prepared a list of the 10 most highly profitable non-state pension funds in the Russian Federation. The profitability rating is determined on the basis of information disclosure on the official website of the Central Bank of the Russian Federation, and the reliability rating is based on data from the Expert RA agency.

One of the pension market veterans (year of birth: 1993). Its investors can be not only individuals, but also legal entities. The percentage of average annual return on deposits is 9.87, and it does not participate in the Expert RA rating.

The rating of NPF 2016 continues with the “Big Pension Fund”, which appeared in 1995. It currently serves an asset base of 500 thousand people and has an exceptionally high reliability rating (A++). This means that with an extremely high degree of probability the fund will fulfill its obligations to clients, even if economic conditions are unfavorable. The profitability of "Bolshoi" is 10.35%.

“Magnit” is not only a chain of popular stores, but also the name of a non-state pension fund with a recognizable white and red logo. Since 2009 it has an unlimited time license Federal service in financial markets and in terms of average annual profitability, it slightly exceeds the previous participant in the top 10 (10.36%). Does not participate in the reliability rating.

The main areas of activity of this fund are compulsory and voluntary pension insurance. He also implements state pension co-financing program by investing pension reserves and increasing the funded part of clients’ labor pensions. The average return is 10.5%. No reliability data available.

A non-state pension fund existing since 1995. He replenished the 2016 rating with good results both in terms of profitability (10.5%) and reliability (the highest rating A++). One of the “richest” funds in Russia in terms of one of the main indicators for any non-state pension fund - the volume of pension reserves (asset 15,349 thousand rubles).

Open to individuals and legal entities and has representative offices in 13 Russian regions. Offers one of three patterns with specific sizes pension contributions: joint and several, with payments for a period from 2 to 30 years or with lifetime payments. The average annual return is 10.99%. The reliability rating is in the “withdrawn” status, which means that the NPF did not want to update its indicators.

The fund implements state pension co-financing program, offers services for the creation and management of the funded part of the pension and voluntary pension insurance. Russia's statistics on return on deposits is 11.08%, reliability rating is A (high).

At first it was known as NPF “Parma”, then in 2007 it was renamed to “Ural Financial House”. A cautious investment policy and high returns (11.38%) make this fund one of the best in Russia. Does not participate in the reliability rating.

Pursues a conservative investment policy. Invests client funds more partly in bonds securities and shares. It has a high reliability rating (A) and a high annual return (11.94%).

1. SAFMAR (formerly the European Pension Fund (JSC))

Heads the best funds in Russia. The absolute favorite in terms of profitability is 12.43% and has 1st place in reliability (A++). In the last quarter of 2015, the fund’s pension savings amounted to 57.7 billion rubles. Based on the results of work for 2009-2014, the pension savings of the fund’s clients doubled.

Table of reliability and profitability of NPFs of Russia 2016

№	Name	Reliability rating RA Expert	Profitability, %
1		A++	12.43
2		A	11.94
3		-	11.38
4		A	11.08
5	OJSC NPF Education	withdrawn	10.99
6	JSC NPF Surgutneftegaz	A++	10.5
7		-	10.5
8		-	10.36
9	CJSC MNPF Bolshoi	A++	10.35
10		-	9.87
11	JSC NPF SberFond Sunny Beach (RESO)	A+	9.85
12	RNPF "SIBERIAN SBERFUND"	-	9.63
13	CJSC Orenburg NPF Trust	withdrawn	9.61
14	NPF OPK	-	9.56
15	CJSC NPF Trust	A+	9.35
16	NPF "Social Development"	-	9.24
17	MNPF "AKVILON"	-	9.23
18	OJSC NPF LUKOIL-GARANT	withdrawn	8.86
19	NPF "Social World"	-	8.69
20	NPF GAZFOND	A++	8.54
21	NPF "Volga-Capital"	A+	8.53
22	NPF "REGIONFOND"	-	8.48
23	NPF "Hephaestus"	-	8.45
24	JSC National Non-State Pension Fund	A++	8.22
25	NPF "First Russian Pension Fund"	A	8.16
26	JSC NPF Neftegarant	A++	8.13
27	JSC NPF StalFond	A+	8.08
28	JSC NPF Vladimir	A++	8.01
29	JSC NPF Electric Power Industry	withdrawn	7.95
30	JSC NPF Transneft	withdrawn	7.83
31	NPF "MECHEL-FOND"	-	7.83
32	CJSC NPF URALSIB	A+	7.82
33	OJSC NPF Telecom-Soyuz	withdrawn	7.6
34	CJSC KITFinance NPF	A++	7.57
35	NPF "Soglasie"	withdrawn	7.56
36	JSC NPF VTB	A++	7.53
37	CJSC NPF Promagrofond	A++	7.36
38	JSC NPF Sberbank	A++	7.17
39	JSC NPF "Sun. Life. Pension."	withdrawn	6.77
40	CJSC NPF Heritage	-	6.76
41	NPF "Imperia"	-	6.62
42	NPF "Atomgarant"	A++	6.6
43	OJSC Khanty-Mansiysk NPF	A+	6.56
44	JSC NPF SAFMAR (Raiffeisen)	A++	6.45
45	NPF "Pravo"	-	6
46	NPF "Pension-Invest"	-	5.88
46	NPF "UMMC - Perspective"	-	5.75
48	JSC NPF "Alliance"	A+	5.3
49	NPF "VNIIEF - GARANT"	-	5.3
50	CJSC NPF First National Pension Fund	C++	2.97

« A++» – The highest level of reliability;
« A+» – High level reliability;
« A» – Normal reliability;
« C++» – Low level of reliability;
“-” – the rating was not assigned by the agency;
« withdrawn» – the data is not updated.

The main goal of creating non-state pension funds was to improve the welfare of individuals retirement age. Funds have appeared a long time ago and are widely known, but many still do not understand many of the features of their work. To increase citizens' literacy in this matter, several large advertising campaigns, when representatives of the funds went to the homes of pensioners and advised them on joining new program pension insurance. This was done to attract investors and increase the money supply. Many are still wondering whether it is worth transferring their savings to a non-state fund. Let's try to understand this issue, and at the same time consider the rating of Russian NPFs.

Definition and essence of the concept

Each citizen of our country has his own savings account for the formation of a future pension. A man works, and part of him wages is sent to the Pension Fund, which sends part of the received money into circulation and leaves part in the account. Thus, a person creates his own future pension.

The list of non-state pension funds is growing all the time. NPF is a legalized organization that is under the constant supervision of the state. Absolutely all funds held in the funds’ assets are insured. Thus, in the event of a fund failure or complete elimination from the market, assets from their accounts will automatically be transferred to the Pension Fund of the Russian Federation.

You should pay attention to the following point: non-state funds carry out competent and profitable investment of investors’ money in securities, shares, bank deposits, state corporations etc. That is, by transferring his savings into the hands of such a fund, the future pensioner creates for himself a significantly larger pension than the state can offer.

Parts of a pension

When it comes to transferring your savings to a non-state pension fund, it is important to take into account that social benefits future retirees for at the moment consist of three parts:

1. Basic. Approximately 6%. It is the basis of the benefit received upon reaching retirement age.
2. Insurance. Equal to 14%. It goes to the worker’s personal account, but gradually cannot withstand the onslaught of inflation.
3. Cumulative. Approximately 2%. It is this part of the future pension that plays main role to date. It provides the material basis for future payments. For obvious reasons, this 2% can hardly allow a pensioner to feel confident in financial terms. In non-state funds this rate is 6%, which significantly increases the size of future payments.

The last point clarifies the question of whether you should trust non-state funds with your future pension. However, this solution still has its pros and cons. We will consider the rating of NPFs by profitability below.

Advantages

There are experts who answer the question of transferring to a non-state pension fund in the affirmative. This is explained by several important points. To begin with, the size of the future pension payment will be formed not only by the funds received from income, but also by the profit received from profitable investment. JSC NPF Sberbank is now one of the most popular funds.

However, there is also a pitfall here: quite often the agreement with a non-state pension fund specifies a fixed amount of profit. This is done due to the fact that it is almost impossible to predict the vector of development of the world economy and the results of the game on the stock exchange.

Another undoubted advantage is the safety of invested assets. In case of losses incurred, the funds will remain in the account in the original amount, since the fund will compensate for losses from own funds. The very structure of investments in non-state funds is flexible, and plans are adjusted depending on trends outlined in the financial market.

Flaws

There are other experts on the other side of the barricades. They do not recommend transferring your savings for a future pension to non-governmental organizations. This is explained as follows: if the market situation is unfavorable, there will be no profit, which means that the future pension will not grow. In addition, if the structure declares itself bankrupt, then the right to choose a new fund and pay for the transition to it falls on the investor.

These shortcomings, of course, cannot be called significant, but they are quite capable of creating certain difficulties and troubles. The decision to transfer to a non-state fund is made individually by each person.

Rating criteria

The main question that arises for a person who decides to transfer his savings to a non-state pension fund is what criteria to use to choose an organization for investment. To facilitate such difficult choice, ratings of reliability and profitability of non-state funds are compiled annually. Such ratings help determine the best fund and protect your finances. The main criteria for compiling the rating of Russian NPFs are thus:

1. Duration and performance of the fund. When compiling the rating, the age of the fund plays a significant role. It would be optimal to choose organizations that were created before the 2002 pension reform. The ideal option is a fund founded before 1998. A company that has survived two crises and has been a source of trust for decades. Also important are indicators of the volume of assets and reserves, the number of clients, including those who are already receiving a pension. The more of the latter, the better.
2. Information about the co-founders of the fund. It is important to understand who owns a non-state fund. Banks, individuals or small shell companies definitely do not inspire confidence in the role of fund founders. It is not recommended to consider such options for your retirement savings. It is better to give preference to funds whose owners are large enterprises involved in gas, oil production and minerals.
3. Income level. If reliability can be determined using the above criteria, then the situation is different with profitability. Its level is quite difficult to understand. There are two forms of income: according to the Federal Financial Service, which controls all non-state pension funds, and information disclosed by the organization itself. Indicators for these two forms can differ radically from each other. High-reliance funds show returns on average 0.3% less than the performance of the main investment.
4. Rating of Russian NPFs. We are talking about lists of funds based on reliability, which is determined by the symbols A and A++. This criterion takes into account the fund’s stable position in the rating over several years. If the fund’s rating has been revoked, then it is better to avoid such an organization.
5. Customer reviews. To choose a reliable and profitable fund, you also need to read the reviews of those who already cooperate with it. To do this, you can visit special forums or websites. You should not blindly believe hundreds of rave reviews, as they can be written to order. However, the absence of any comments about the work of the fund does not inspire much confidence.
6. Social media. They can also become a reliable source of data on non-state foundations. There you can find a lot of real reviews and understand whether the selected fund really meets the criteria of reliability and stability.

Rating

Compiling ratings of non-state pension funds for reliability is one of the main tasks of many analytical agencies. Required condition inclusion in the list is the accreditation of the fund with the Central Bank of Russia. Based on data from the country's main bank, NPF reliability ratings are compiled.

Today there are two firms that are nationally recognized specialized rating agencies. These are “Analytical Credit Agency” and “Expert RA”. It is these companies that you can trust when choosing a non-state fund for your pension savings. The reliability of the fund is at the forefront, since it is this indicator that allows a person to assess the risks when signing an agreement.

NPF "Lukoil-Garant"

Founded in 1994. Coverage of the non-state pension insurance market is 14 percent. Customer base of more than 3 million people. The fund's savings amount to more than 149 billion rubles. Von has been awarded many times and has never been accused of financial fraud.

NPF "Ural Financial House" - this pension fund has been liquidated today. After the license was revoked, all pension savings were transferred to the Pension Fund.

JSC NPF "Surgutneftegas"

In terms of stability and reliability, it occupies a leading position in our country. He was awarded an A++ rating, which is the highest rating for his work. The fund's average annual income is 12 percent, which also puts it in the forefront among other non-state pension funds. Fund clients can access a description of the investments in which their savings take part. The fund gives you the opportunity to manage your savings, which can significantly increase your level of profit. The cash reserve exceeds the fund's assets three times. And the return on savings is higher than the inflation rate.

NPF "Sberfond" RESO

The return on pension savings is 10.2%. One of the main goals of the company is continuous and consistent growth in the quality of customer service. Through its activities, the NPF contributes to ensuring a decent quality of life for citizens of the Russian Federation of retirement age. They have an individual approach to each client.

NPF "European"

With an average annual return of 14 percent, this fund also occupies a leading position in the ratings. The advantages of the fund are:

• Extensive experience in the financial market.
• Selection of an individual investment program for each client.
• European standards of customer service.
• The activities of the fund are under the control of the Central Bank, which allows you to receive highest rating A++.

Sberbank Fund

The reliability level of Sberbank NPF JSC is also A++. Most of his numerous clients are satisfied with his work, and this is, of course, the main indicator. The fund reports to clients on the investment of their pension savings. Individual pension insurance programs are provided, as well as products aimed at increasing business efficiency.

CJSC NPF "Promagrofond"

Among licensed organizations it is in third place. The customer base numbers more than two million people. The volume of savings is approximately equal to 72 million rubles. The fund serves clients throughout the country.

Conclusion

Thus, choosing a non-state pension fund seems to be a difficult task with many pitfalls. However, by carefully studying the ratings and reviews, and objectively assessing the stability and reliability of an individual fund, you can make right choice, which will not cause trouble in the future. The main thing is not to succumb to the persuasion of advertising or a representative of the fund, but to make your own, deliberate decision, because we're talking about about a secure old age.

Non-state pension funds offer excellent conditions to their clients, which is why their popularity is increasing every year. In this regard, many potential clients are interested in the question of choice, as well as searching for an official rating with 10 the best options at the end of the year.

Why choose unofficial companies?

Among the advantages are positions such as: stable and long-term income. Ditto positive aspects It is also worth mentioning low payments, which without great damage a program participant can make to his wallet, minimal risks and simple circuit work, transparency of financial actions, a report that is provided in all details.

To make the choice easier, companies' activities are constantly analyzed, on the basis of which ratings are compiled. To carry out the analysis, the following indicators are taken:

1. volume of pension savings,
2. number of participants,
3. what level of reliability and profitability is offered to citizens,
4. provided warranty obligations and important indicators of the terms of the contract.

We recommend that you immediately pay attention to the combination of these parameters, but first of all you need to pay attention to the volume of savings. It is this figure that determines the organization’s stock of savings, which not only forms the level of solvency, but also the capital from which payments to pensioners are made.

In front of you top ten by volume of funds. For your convenience, we will arrange the organizations in descending order:

• Sberbank,
• LUKOIL-GARANT,
• FUTURE ,
• GAZFOND pension savings,
• VTB Pension Fund,
• KIT Finance,
• NPF Electric Power Industry,
• Promagrofond,
• Trust.

The undisputed leader in terms of the volume of its savings is the Sberbank Non-State Pension Fund (about 370 billion rubles, over 5 million clients), which is far ahead of other participants in the list. It was created one of the first in our country (in 1995).

Profitability is also important for many people., because the size of your pension will directly depend on this percentage. Based on this parameter, the list of leaders will be slightly different:

• Promagrofond
• GAZFOND
• KIT Finance
• Diamond Autumn
• Defense-Industrial Fund named after. V.V. Livanova
• First industrial alliance
• Hephaestus
• Surgutneftegaz
• AQUILON.

When choosing a company, be careful, each of them is also assigned a letter equivalent.

• E - in the process of liquidation (or license revoked)
• D - bankrupt company
• C - default occurred
• C+ - high probability of license revocation
• C++ - a very high possibility of loss of license, bankruptcy, failure to fulfill obligations
• B - low level of reliability
• B+ - low reliability, possible problems with payments
• B++ - satisfactory level
• A— high degree reliability
• A+ - very reliable
• A++ - extremely reliable, successful cooperation with clients even with market fluctuations.

Please note, that the rating is now compiled based on the performance results that were known at the end of December 2016. Data for the current year will also be provided at the end of December. To summarize, we can say that the most important indicators when choosing a fund are profitability, number of clients, reliability rating and volume of savings.