4 Non-state pension funds. Investment of pension savings. On the preparation of the evaluation scale

Now more and more people think about investing money in NPF. Rating 5. best Funds In 2017, it will help to understand what institution is more profitable and safer to invest money.

NPF is a special organizational and legal form for non-commercial organizations responsible for social security (in addition to). There are several laws governing such funds.

1. This is a federal law released in December 2001 No. 167-FZ.
2. In addition, an important basis for carrying out activities Civil Code RF ,.
3. Specifically, the activity is non-state pension funds Describes by law No. 75 of the Federal Law.
4. Finally, the accumulative accounts (for) are conducted in accordance with the law for the 27-ФЗ number "On the individual (personified) accounting in the system of compulsory pension insurance".

How do NPF work?

Such an organization is practically no different from state structures. That is, can do:

• Paying pensions.
• Accounting money.
• Investing in equity and promotions (like and), bonds (for example,) with minimal.
• Accumulation of capital for the implementation of payments after that moment.

Commercial funds for pension deposits may relate to one of the following groups.

1. Open or universal. No relation to any financial and industrial groups. The accumulations of depositors make up most of the assets.
2. Territorial. With the support of local authorities, function only on the territory of the individual region.
3. Corporate. Can work with the programs of the founders. The percentage of savings is growing.
4. Captive. Also working with the programs of the founders.

Best NPF in 2015-2016

The company founded in 1994. Ranked first in the ranking for a number of reasons.

• It takes about 14 percent of the market, serves up to three million three hundred thousand people.
• Has accumulations in the amount of 149,289,065,000 rubles.
• Lack of claims for participation in financial fraud for a long period of work.
• Got a lot of awards

The site works a calculator that allows you to evaluate future accumulation.

One of the most stable and reliable NPF. on Russian territory. What is confirmed by a high rating A ++. It occupies one of the leading positions on average annual yield, which is equal to 11.5-12 percent.

Another advantage of the Fund is an opportunity for customers to access the calculation not only with the structure of posting pension savings, but also investment tools that allow you to increase the level of profitability.

Pension reserves now exceed the size of pension savings, more than three times. And the profitability of the accumulation themselves stably exceeds the level of inflation.

The leader of the list with an average annual profitability of up to 14 percent.

Customers receive the following advantages:

1. Long and successful experience in the market.
2. Individual investment program for each client.
3. Individual approach with European service standards.

The Central Bank of Russia fully controls the activity of this NPF, which allows it to get a high rating a ++.

NPF with a high level of reliability in a ++. More than a million customers were pleased with the services of this fund. What characterizes his activity in the best way.

On issues of posting pension savings, the organization leads strict reporting Before your customers. There are a number of programs not only for individual pension savings, but also for those who are interested in improving business efficiency.

It retains the third position on reliability among organizations that have received license. Serves more than two million customers. The cumulative accumulation volume reaches 72,281,723 rubles. It works actively throughout the country.

On the preparation of the evaluation scale

No need to create a separate classification for parameters such as the number of customers or yield. But there is another abstract concept of "reliability."

• A ++. it high level reliability. Indicates that with any market fluctuations, successful cooperation is guaranteed.
• A +. Designation of a very high level.
• A is an indicator just for high levels.
• B ++ - this level is considered satisfactory.
• B + - the indicator is not very high. Most likely, problems will arise if it is required to pay a significant amount of money.
• B- reliability is low.
• C ++ - for the extremely low level of reliability. There is a probability of license revocation, non-fulfillment of the obligations.
• C + - This level is unsatisfactory. Such funds quickly lose their licenses.
• C- There are situations when NPF has not fulfilled its obligations.
• D- for bankrupt companies.
• E - the license is already withdrawn, the organization itself is recognized as bankrupt or eliminated.

How to become a customer of the non-state pension fund?

For this, a contract is concluded with the NPF. But before his conclusion, the visitor will have to choose a scheme not only payments, but also cash withdrawal. In mandatory need to decide on:

1. Rules of termination of the contract, making changes.
2. Paid by the state pension itself.
3. Type of payments when the client reaches retirement age.
4. Pension scheme and its constituent.
5. The amount of money, the time of their deposit.

The depositor opens a personal account when the contract becomes valid. The score of the joint purpose opens if the contract concluded the employer. To conclude a contract, a very small package of documents is needed:

• Pensioner's ID.
• Insurance certificate.
• Passport, his first and second pages (if the document is overdue, will have to pay).

The Foundation independently manages the money, which is made on the expense. Most contracts provide for the minimum income level guaranteed to each citizen.

Fund will necessarily compensate for losses due to own fundsEven if their attachments do not pay for themselves. This means that customers receive their money back, in any case.

The depositor can choose two options for paying retirement age:

1. Immediately the whole amount.
2. Parts that are paid every month.

At the same time, such payments assume the presence of 13 percent tax. They are subject to revenues earned by the Foundation for all time until a contract has been accessed.

Information about accumulation and termination of the contract

Any customer has the right to terminate the contract previously specified in it, if the NPF is not suitable for some reason. But each NPF has its own requirements in such situations.

Change managing company In the form of the NPF, it is possible once annually, this right is fixed for all citizens of the Russian Federation. But such a decision can be taken no more than once a year.

If less time has passed since the contract - you have to wait. Or need to write a statement in which the client indicates why he decided to contact another fund.

To find out the size of its savings, the client should refer to representatives of the NPF itself, indicating its individual data.

Information can be obtained over the Internet if there is no time or desire to personally visit the NPF office.

It is enough to register on the official website, receiving a personal account.

A letter with individual data and calculations comes to email. With a personal visit to a non-state pension fund, information is issued to those who provide a passport and contract.

Choosing a non-state pension fund

For getting greatest income From investing pension savings, citizen needs to approach in which they are formed, competently. It should be stopped on funds that have long been working for a long time. large companies From the sector of the economy and bring to its customers. All information about the work of the Fund must be in free accessIf difficulties arise in the search for data, it is better to abandon cooperation with him.

The transfer of funds to the NPF allows you to increase the final pension due to the results of investment of savings, in contrast to the insurance pension, the value of which increases by annual indexation.

It can be noted that in 2018 the indexation was carried out only 3.7%. However, income from investing in some NPF is much larger than the magnitude of the indexation, so proper choice NPF The amount of pension provision may be higher.

In accordance with the legislation of Russia, the conditions of non-state pension provision are determined. Over the past few years, the dynamics increased in interest to citizens of non-state pension insurance. Attracts citizens voluntary participation in insuranceWhen you can make a choice of a suitable type of pension payments.

Which NPF choose?

When choosing a NPF, experts advise pay attention to several main points.

1. The first thing to pay attention to - year of creation. Pension accumulations are not something that is worth noting a one-day company. It is necessary to choose from funds that began their activities to the 2002 pension reform (until 1998 - perfect). For example, if the Foundation works more than eighteen years - this is an indicator of a certain reliability, because he survived a couple of financial crises.
2. Second criterion - founders of the Foundation. It is advisable to choose the NPF, which was established by a large organization or group of companies in the economy sector: oil, electricity, gas.
3. The third is the importance of the criterion - yield . Data on the profitability of the Fund itself should be almost equal to the data Federal Service According to financial markets (fluctuations are allowed within 3%).

In addition to the considered indicators, it is worth seeing the Ratings of the Fund with further prediction of its activities, customer reviews and representative offices in social networks.

Rating profitability in 2018

Term "Yield" In the economy, it is used as an indicator of the effectiveness of financial deposits, it is precisely the increase in the contributions of a citizen.

Experts advise:

• Evaluate the profitability rate for 5 years The work of the selected NPF (in new financial organizations With high income numbers it is undesirable to invest).
• Information about the NPF study on official sites (if there is no data in the open data, you need to think).
• Compare inflation rate with a percentage of income today (if the profitability indicators are less inflation, then the percentage did not increase them).

The five of the top 2017 of the 2018 NPF according to the Central Bank looks like this:

1. GEFEST.
2. Alliance.
3. Diamond autumn.
4. National NPF.
5. First industrial alliance.

How to change a non-state pension fund?

When a citizen is not satisfied with the work of the NPF chosen by him, he has the full right to make a transition to any other fund. It is worth knowing that it is impossible to make the transition to another NPF if a citizen wants to leave some of the funds in the old place. The entire amount of savings can be only in one organization.

The pensioner is entitled to take advantage of one of the ways to transfer savings:

• Urgent - All accumulations are translated into new Organization A year that follows the past five-year term from the date of concluding a contract in the former foundation.
• Early- If the documents were submitted in 2017, it is worth expecting a translation in 2018, but the investment funds a citizen loses.

The procedure for changing the NPF is simple, the algorithm of it is as follows:

1. Make sure that the new NPF has a valid license.
2. Enclose a contract with a new institution.
3. Submit to the PFR paper about the transition to another NPF.

Translation of pension savings in non-state pension fund

When a citizen decided on the choice of NPF, he needs to contact the selected institution with the document package:

• copy and original passport;
• original SNILS.

After the conclusion of a cooperation agreement with the NPF, a citizen remains only to report this fact in the FIU. For this:

1. Establish an application for transition to 3 copies (for yourself, FIU and NPF).
2. To transfer it to a pension fund convenient for a pensioner in the way: personally, through a legal representative or registered letter.

Application for the transition from the FIU in NPF

Application for transition - type forms, they are the same sample for all NPFs and at the conclusion of the OPS Agreement through the PFR authority, the citizen will also provide for signing the NPF Application Blanc. They have been developed by the Board of the FIU of the Russian Federation of May 12, 2015, on the basis of Resolution No. 158P and required For the entire pension structure in the framework of pension insurance.

• To translate accumulation in NPF , Citizen is necessary until December 31 current year Apply for transferring your savings. And if a citizen chose NPF, he needs to sign an APC agreement with him.
• Until March 1 The year, which follows the year of submission of the application, the FIU makes changes to the register of insured persons.
• AND until March 31. Sends a notification of changes to single register insured persons. This notification serves as the basis for the transfer of pensioner accumulations in the NPF.

Persons who have not served Application on the transfer of pension savings in the NPF until 01.01.2016, in 2016 and later they can conclude an APC agreement and transfer only accumulations into the NPF, which were formed on their pension account until December 31, 2015.

Mandatory Pension Insurance Contract

OPS Agreement - This is a document on the basis of which the interaction of the insured citizen with the Fund takes place. Before signing the contract with NPF, it is necessary to carefully examine the characteristic features of this document. Each NPF concludes a standard form contract with clients, which is approved by the Government of the Russian Federation and complies with the requirements of the legislation of the Russian Federation (Article 12 of the Law of the Russian Federation " "). From the moment when the funds of pension savings were enrolled at the expense of the new insurer, which listed the previous insurer, the OPS Agreement begins its action.

At the same time, you can enter into a contract with only one foundation.

At the end of the year, the FIU considers all applications from citizens and decisions on them. If during the year a citizen has concluded contracts with several NPFs, then the decision will be made by last, and the registry will be made on this fund.

Investment of pension savings

In accordance with ch. five Federal Law from 07/05/1998 №75-ФЗ " About non-state pension funds"In the formation of pension savings, a citizen conveys funds to the management of the company, which will invest them in investment instruments financial market And thereby strive increase the amount of payout After time.

• If the Treaty on the OPS signed until December 31, 15 - accumulations increase due to investment income NPF and employer contributions.
  

  But in 2018 continued its action morarty for the transfer of contributions 6% For a cumulative pension, so all contributions go on the formation of only the insurance pension.

• If the Treaty on the OPS signed after 01.16 - Accumulations grow only at the expense of the investment income of the NPF, which is accrued every year.

What if the NPF recalled the license?

In the event that NPF recalled the license, the citizen should not take special actions to return the accumulation. Everything you need will do for a citizen Central bank Russia. Since the removal of the license from NPF, new insurer in oPS system For the insured person becomes Russian Pension Fund.

At the same time, the amount of pension savings, guaranteed to translate into the FIU, is equal nominal, that is, the sum of all contributions that have been listed for the citizen employers, without taking into account investment income, as well as funds paid from funds maternal capital And under the program of state co-financing of the pension.

If the funds received from the implementation by the Agency for Insurance Insurance (DCA) of the NPF Assets exceed the value of the value guaranteed, then the means in the amount of exceeding will also come in the FIU to restore the lost investment income by the insured person.

There are a lot of competing non-state pension funds (NPF) in our country, so it is difficult to navigate the ordinary person. All these structures work with several companies, information is available, risks are considered minimal, various are provided. additional services. The choice of the same periodic appearance of the false financial structures of this species and various reforms and innovations is difficult. To somehow decide, the rating of non-state pension funds is most often used, which determines the leaders on profitability, stability, reviews.

What indicators the NPF rating is determined

The rating is important not only for potential depositors, but also for founders who take into account its indicators when developing a strategy. Data is analyzed every year, on the Internet the most popular analytical resources - the Sites of the Russian Agency (RA) and the National Rating Agency (NRA). Here you can determine which positions are occupied by a specific NPF in terms of finance, profitability, stability and reliability, find out the opinion of other users.

The profitability is called the "indicator of the effectiveness of deposits". But when choosing, it is necessary to estimate the data for 5-6 years and compare them with the percentage of inflation. If there is no information about the selected structure in open access, it is worth looking for another option.

In addition to profitability this indicator is important as reliability.. The presence of reliability rating is important for the Foundation, as it helps to attract new customers. RA data can be completely trusted, since this agency is accredited in the Ministry of Finance and recognized by the Bank of Russia.

However, all the information must be studied very carefully, as the high rating nPF yield Not always is the guarantor of stability and reliability. Specialists advise special attention Pay reliability. Bright example: "Education and Science" offers not the highest income, but the rating "A" on Ra suggests that this structure is able to fulfill obligations in almost any conditions.

Most the best way - The optimal ratio of profitability, reliability and stability.

Some depositors are the most important consider the volume of finance and savings. In 2015, according to the first indicator, the leader was the Gasfond, according to the second - LUKOIL-GARANT, although the percentage of profitability cannot be called the highest.

NPF rating in 2016 for profitability and stability

The profitability of non-state pension funds this year (2016) varies in a fairly wide range: from 12.43% (European) to 2.97% (First National Pension Fund). According to profitability, the top five includes:

• European ( 12,43% );
• Defense Industrial Fund ( 11,94% );
• Ural financial house ( 11,38% );
• Education and science ( 11,08% );
• NPF Education ( 10,99% ).

List of reliability leaders (a ++):

• Welfare;
• PromagroFound NPF;
• Kitfinance;
• European;
• Gazfund pension savings;
• Sberbank NPF

If you pay attention to both indicators, the list will be the following:

• 1st place - Gazfund pension savings;
• 2nd place - welfare;
• 3rd place - European;
• 4th place - Kitfinance;
• 5th place - Education and science.

It should be noted that Sberbank, Kitfinance and the European top positions in the lists take several years in a row.

When analyzing information from the rating tables, it should be noted that only the best structures are most often displayed in them. It is also important to know that there is a voluntary participation in any rating, so there are funds that for some reason the data does not provide. An exception — nPF Rating For reviews on the Internet. Most of all investors trust the gasford, the European Pension Fund, Lukoil Garant (with rating agencies does not cooperate), Kitfinance and Education.

Assessment of NPF Central Bank

The National Bank is suitable for determining the rating in a different way. The main indicators are the scope of own funds and the availability of a guarantee system (insurance). Information is going constantly, generalizes the quarter, half of the year and a year.

According to National Bank, Best Pension Fund for several years in a row - Sberbank. In second place, confidence, on the third - European, on the fourth - Stalkond, on the fifth - Lukoil-Garant. All these income structures of investors overtake inflation, a stable profit.

Criteria for selecting NPF

When choosing, you need to focus on several indicators. First of all, you need to make sure of reliability, read reviews, compare income. The same data is also important as:

• work period;
• number of clients;
• profitability for the entire period of existence;
• information in the press and the Internet;
• volume of reserves and pension savings;
• volume of authorized capital;
• the amount of contributions and paid pensions;
• the presence of licenses, statute and rules in free access.

It should also be considered that it is possible to translate to another agency once a year.