What is the percentage in NPF. Reliability ratings of npf russia

Investment in pension savings - this is also an investment, and they are aimed at solving one of the most important issuesfacing each person. Namely - how to provide yourself a decent life in old age.

One of the differences between investments in NPFs (non-state pension funds) from ordinary investments is that contributions to the pension fund are obligatory for every citizen of Russia, while “classical” investment is purely voluntary. But which pension fund is better to invest in? The question is extremely important and requires the most careful consideration. State or non-state? And which one? Find out the answers to these and other questions right now from the rating of the 5 best private pension funds for 2018.

Answers to topical questions, as well as consideration of the specifics of non-state pension funds will be given at the end of the article, and now we will consider directly the rating of the profitability of NPFs in Russia for 2018. There are many basic indicators in Russian statistics, and we will try to highlight the leaders in each of them.

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It included a variety of companies, with different profitability, number of clients, investment instruments, and so on. But all of them are united by a long history, high level of reliability and positive customer reviews.

5 best private pension funds to invest in 2018

Lukoil-Garant

The non-state PF "Lukoil-Garant", founded back in 1994, took the first place in our rating for a number of reasons, including:

On the fund's website, you can find a pension calculator that allows you to calculate how much you can save by becoming a client of the fund, what pension you can count on and how much you will receive in the form of net profit.

The average return on the fund is 9%.

NPF Sugrugtneftegaz JSC

Perhaps the most stable and reliable NPF Russia. This is confirmed by the A ++ reliability rating.

One of the leaders in terms of average annual profitability, which averages 11.5-12%.

This fund provides clients with a complete calculation of the structure of the placement of pension reserves, as well as investment instruments, with the help of which Sugrugtneftegaz multiplies the funds of depositors.

At the moment, the amount of the fund's pension reserves exceeds the amount of pension savings by more than three times and continues to grow. At the same time, their profitability consistently exceeds the inflation rate by one and a half to two times.

NPF "Evropeisky"

Another leader, this time in the area of \u200b\u200baverage annual profitability, which is over 14% here.

NPF "European Pension Fund" (CJSC) offers its clients western service standards, an individual approach and an investment program for each client, as well as a long and successful experience in the domestic market.

The investment of client funds in investment assets is made taking into account the individual characteristics of the client, such as the level of his current wages, date of retirement, acceptable degree of risk, and so on.

The fund's activities are under the control of the Central Bank of Russia, Federal tax service, Ministry of Labor and others government agencies... By the way, the reliability of the fund was awarded the highest (A ++) rating.

The company's clients are more than one and a half million people, and the accumulated return on investment of pension savings is 101.96%.

NPF Sberbank JSC

One of the most popular non-state pension funds among the population, established the largest bank Russian Federation.

The highest level of reliability (A ++) and more than a million satisfied customers characterize the fund and its activities in the best possible way.

NPF Sberbank conducts strict accountability in front of their clients in matters of placement of pension reserves and savings, both by type investment assetsand by field of activity.

By the way, the fund offers a number of programs related not only to funded pensions and increasing their size through investments, but also corporate projects to improve business efficiency and tax preferences.

NPF "National"

"National" NPF implements both individual and corporate pension programs for individuals and legal entities... The fund's clients are about 350,000 people.

Clients' deposits are insured by the "Deposit Insurance Agency", which ensures that the fund will fulfill its obligations and that there are practically no risks for clients.

Naturally, this industry does not stand still, moreover, it is developing rapidly, so that this rating cannot be called static, on the contrary, it is extremely dynamic. We will closely monitor the situation around the best NPF in Russia, so visit our website and you will be aware of all the news in this area.

Well, now, as promised, let's move on to examining the essence of state and non-state pension funds.

State Pension Fund or NPF?

Let's consider the basic indicators and the specifics of each option.

State funds - these are classical institutions for managing the population's pension savings. Everything there is adjusted, reliable, secured and guaranteed by the state itself, which greatly increases the safety of customers.

But the profitability is low. Such funds can only invest in government bonds (OFZ) and stocks. Conclusion: GUF is very reliable, practically risk-free, but the yield is appropriate.

Not government funds - these are new, actively developing companies (I hope so) that turn money around faster due to the expanded list of investment instruments. Of course, this list is strictly limited at the legislative level, but their opportunities are much wider than that of classic funds.

For example, NPFs can invest themselves or transfer pension savings of citizens to management company... Can buy state and municipal securities, as well as corporate bonds of the constituent entities of the Russian Federation. NPFs also buy real estate and make deposits.

The rating of NPFs of Russia in terms of reliability and profitability, as well as the statistics of the activities of non-state funds of the Russian Federation, presented above, show that such organizations are engaged in investment activities quite successfully, but how long will this white streak last and will it not result in a loss of investment funds? Who knows.

Conclusion: the reliability of NPFs is relatively high, but, nevertheless, it is questionable, since Too little time has passed to prove it, 15-20 years of the existence of funds is not such a long time and it is still impossible to compare them by this indicator with state funds. The profitability is significantly higher than that of state funds, but whether it is worth the investment risks is up to you.

What will happen to NPFs in 2018?

Looking at the statistics of the profitability of NPFs and the growing scale of their activities every day, it is not yet necessary to say that this industry is dying out.

On the contrary, non-state pension funds are now at the height of their fame, which, however, is not surprising due to the significant increase in the attractiveness of investments in the eyes of Russians.

Therefore, thinking about what will happen to NPFs this year, we can assume that in the absence of unforeseen circumstances and force majeure, they will continue their activities. But how successful it will be is impossible to say.

We cannot guarantee the reliability of an NPF, like any other financial instrument (the same Sberbank). Our goal is to inform readers and nothing more. Still, investments are investments in Africa, and wherever there is an opportunity to earn money, there is a risk of going bankrupt, especially since third parties manage your money here.

So, it's up to you and only you. You choose the pension fund yourself at your own risk.

And in order not to risk your pension savings in vain, trusting them to strangers, maybe it makes sense to independently engage in investing and increasing your capital?

By investing in, for example, bonds federal loan (OFZ), you will receive the same 10-12% profit per year, while all assets will be in your hands and you are free to do with them as you please.

The return on such investment will be no worse than investing in NPF, and the amount of risk is several times less. So maybe you shouldn't put your pension on the line by entrusting it to a commercial organization?

Best regards, Alexander Ivanov

Ever since the Russian Federation began to operate The federal law on non-state pension funds, a sharp increase in private organizations in this area began.

Now each person can independently decide whose services he will use. Therefore, it became necessary to draw up a rating of the profitability of non-state pension funds in 2017, which will help to choose a truly reliable and profitable NPF.

A non-state pension fund is a special form of non-profit organization that is responsible for the social security of the population. The activities of such funds are regulated by a number of regulatory legal acts:

1. Federal Law No. 167 of December 12, 2001.
2. 17 paragraph 123 of Article of the Civil Code explains general provisions about funds.
3. Federal Law No. 75 describes in detail the activities of NPFs.
4. Accounts for funded pension are maintained on the basis of Federal Law No. 27 "On individual registration in the compulsory pension insurance system ”.

The principle of operation of non-state pension funds is similar to that of municipal institutions. That is, a private organization has the right to pay pensions, keep records of funds in the accounts of citizens, it can also invest money in stocks and bonds with minimal risks and, finally, just keep citizens' savings until a certain moment.

Commercial pension funds are classified into several groups.

1. Open (universal) - they do not belong to any financial and industrial structures and their assets almost entirely consist of money depositors.
2. Territorial - they operate only in the area of \u200b\u200bone region and often have support from local authorities.
3. Corporate - work with founders according to special programs, offer good interest and guarantees.
4. Captives are a less popular type of corporate funds.

Rating of non-state pension funds

The choice of the organization to which you give the earned money must be approached with all responsibility. Now there are many resources that help to find out more detailed information and assess the reliability of the fund. Below is the rating of NPFs in terms of reliability and profitability.

Important! The table shows only those institutions that have a positive assessment, not lower than A +.

Rating explanations

1. NPF Evropeyskiy has been ranking first in terms of profitability for a long time, even though last years this figure fell from 14 to 12.43 percent. Citizens choose this organization because of the individual selection of the investment program and excellent service for all standards accepted in Europe. Also, many are attracted by the stable operation of the fund for many years. Please note that all activities of the European PF are under control The Central Bank Russia.

   All current obligations of the “European Pension Fund” to clients will be fulfilled unchanged and in full.

2. NPF "Surguttneftegas" JSC entered the TOP as one of the most stable and reliable funds operating in the Russian Federation. His position is confirmed and high percentage profitability and A ++ rating. The advantages of this organization also include the ability to obtain admission not only to the calculation of pension savings, but also to investment instruments that allow you to increase the level of profitability and overcome losses from inflation.
3. CJSC Promagrofond is in a high position due to the reliability rating, its services are used by more than two million people throughout the country. The fund's accumulations exceed 70 million rubles, which indicates the confidence of the population.
4. Probably everyone has at least heard about Sberbank, and many regularly use its services. The high A ++ rating and the wide popularity of the brand are great for attracting customers, of which there are already more than a million. strictly reports to citizens about the placement of their pension savings, he also offers special programs to improve the efficiency of business.
5. NPF Lukoil Garant is absent in the main table, since it recently lost its high A ++ reliability rating, but this does not prevent the organization from functioning and attracting new customers. Lukoil serves about 15% of the market in this area and has huge savings on its accounts, for for a long time of existence, he received many awards and not a single significant claim about financial activities... As a bonus, on the official website, each person can calculate the amount of future savings using a special calculator.

Reliability criteria

If the concepts of “NPF profitability” or “number of clients” are clear to everyone, then the mysterious “reliability rating” may raise many questions.

1. A ++ is the highest level that guarantees the stable operation of the fund in any fluctuations in the external or internal economic environment.
2. A + and A are very high and high levels, respectively.
3. B ++ is a satisfactory level of reliability.
4. B + - may indicate the presence of difficulties if it is necessary to pay a large amount.
5. B - low reliability.
6. С ++ - informs about the threat of license revocation or non-fulfillment of obligations to customers.
7. C + - assigned to funds that quickly run out of licenses.
8. C - means that the organization has not fulfilled its obligations.
9. D is the criterion for bankrupts.
10. E is the lowest level when the license is revoked and the fund is liquidated.

How to become a client of NPF

After a detailed study of the most profitable and stable NPFs, a citizen should contact the most suitable organization to conclude an agreement.

Beforehand, you should familiarize yourself with payment schemes and depositing funds. The prospective client should find out:

• how to amend the agreement or cancel it;
• how the state pension is paid;
• what payments are provided upon reaching the retirement age;
• the very scheme of pension payments;

Important! Also, a citizen must independently decide how much money he will deposit into the account and how often to repeat this operation.

Employees of a commercial pension fund open an individual account for each person and conclude an agreement. To complete all paperwork, only a pension certificate, insurance certificate and passport are required.

The organization independently manages the money, but at the same time gives guarantees for compensation of losses even at its own expense, that is, the client always receives the invested funds back in full.

Having reached the age required to receive a pension, a citizen can receive all savings at a time or agree to monthly payments... It is worth noting that in any case, thirteen percent tax is provided for them.

How to find out the account balance or terminate the contract

The agreement between the NPF and the client can be terminated early if the latter is not satisfied with something. But the foundations have their own rules for such cases, for example, changing the organization is possible only once a year. If the deadline has not yet expired, then you will have to wait or write a statement explaining the reasons for the transfer to another fund.

You can check your savings online or by contacting the employees of the NPF. To obtain information, it is enough to name your personal data.

The main goal of creating non-state pension funds was to increase the welfare of people of retirement age. Foundations have appeared for a long time and are well known, but many still do not understand many of the features of their work. To increase the literacy of citizens in this matter, several large advertising campaigns were launched, when representatives of the foundations went to the homes of pensioners and advised them on joining new program pension insurance. This was done to attract depositors and increase the volume money supply... Many people still wonder 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 the NPF of Russia.

Definition and essence of the concept

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

The list of non-state pension funds is growing all the time. NPF is a legalized organization that is under the vigilant supervision of the state. Absolutely all funds in the assets of the funds are insured. Thus, in the event of the fund's bankruptcy or complete liquidation from the market, assets from their accounts will automatically go to the RF Pension Fund.

Attention should be paid to the following point: non-state funds conduct a competent and profitable investment of depositors' money in securities, stocks, deposits in banks, state corporations, etc. That is, by transferring their savings into the hands of such a fund, the future pensioner creates a much larger pension for himself than the state can offer.

Parts of the pension

In the matter of transferring your savings to a non-state pension fund, it is important to take into account that social payments future retirees currently consist of three parts:

1. Basic. It is about 6%. It is the basis of the benefit received upon reaching retirement age.
2. Insurance. Equal to 14%. Received in the personal account of the worker, but gradually does not withstand the onslaught of inflation.
3. Cumulative. Approximately 2%. It is this part of the future pension that plays a major role today. It provides the material base for future payments. For obvious reasons, these 2% are unlikely to allow a pensioner to feel confident in material 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 it is worth trusting 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.

Benefits

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

However, there is also a pitfall here: quite often a fixed amount of profit is indicated in an agreement with a non-state pension fund. 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 the invested assets. In the event of losses incurred, the funds will remain in the account in their original volume, 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 the trends outlined in the financial market.

disadvantages

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

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 by each person individually.

Rating criteria

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

1. Duration and performance of the fund. The age of the fund plays a significant role in compiling the rating. It would be optimal to choose organizations that were created before the 2002 pension reform. The ideal option is a foundation founded before 1998. A company that has survived two crises, which has given rise to trust for several 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 the latter, the better.
2. Information about the co-founders of the fund. It is important to understand who owns the non-state fund. Banks, individuals or small fly-by-night firms certainly do not inspire confidence as founders of the foundation. It is not recommended to consider such options for your retirement savings. It is better to give preference to funds owned by large enterprisesengaged 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 be radically different from each other. Funds with a high degree of reliability show returns on average 0.3% less than indicators for the main investment.
4. NPF rating of Russia. We are talking about lists of funds in terms of reliability, which is determined by the symbols A and A ++. This criterion takes into account the fund's stable position in the rating for several years. If a fund's rating has been withdrawn, then it is better to bypass such an organization.
5. Customer reviews. To choose a reliable and profitable fund, you must also read the reviews of those who already cooperate with it. To do this, you can visit special forums or sites. Don't blindly believe the hundreds of rave reviews, as they can be custom-made. However, the absence of any comments on the work of the fund does not inspire much confidence.
6. Social networks. They can also become a reliable source of data on a non-governmental fund. There you can find many real reviews and understand whether the chosen fund really meets the criteria of reliability and stability.

Rating

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

Today there are two firms that are recognized as 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 - 14 percent. The client base is over 3 million people. The fund's accumulations amount to more than 149 billion rubles. The background has been awarded many times and has never been seen in financial fraud.

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

JSC NPF "Surgutneftegas"

In terms of stability and reliability, it occupies a leading position in the territory of our country. He was awarded an A ++ rating, which is the highest mark for his work. The fund's average annual income is 12 percent, which also puts it in the forefront among other NPFs. The fund's clients can get access to the description of the investments in which their savings take part. The fund gives you the opportunity to manage your savings, which can significantly increase the level of profit. The cash reserve is three times the fund's assets. And the profitability of 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 helps to ensure a decent quality of life for citizens of the Russian Federation of retirement age. They have an individual approach to each client.

NPF "Evropeisky"

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 service for clients.
• The fund's activities are under the control of the Central Bank, which allows it to receive the highest A ++ rating.

Sberbank Fund

The reliability level of Sberbank NPF is also A ++. Most of the numerous clients are satisfied with his work, and this is undoubtedly 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.

ZAO NPF "Promagrofond"

It is in third place among licensed organizations. The client base numbers over two million people. The amount of savings is approximately equal to 72 million rubles. The fund serves clients throughout the country.

Conclusion

Thus, choosing a non-state pension fund is a daunting task with many pitfalls. However, having carefully studied the ratings and reviews, objectively assessing the stability and reliability of a particular 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 are talking about a wealthy old age.

All working citizens are required to contribute part of their salaries to the pension fund. At the same time, pension money can be transferred for safekeeping to both state and private funds. But how do private foundations work? What does the rating of non-state pension funds look like? And which NPF are the best? Below we will find out the answers to these questions.

What are NPFs and how do they work?

Non-state pension funds (NPF) are special organizations that are engaged in the formation, accounting and payment of pension savings. The activities of these organizations are regulated by the laws of the Russian Federation, as well as The Civil Code... In terms of their characteristics, NPFs are very similar to state funds similar to them, which are involved in the pension sector. Their functions are as follows:

• Payment of pension savings.
• Accounting for funds that are on the client's account.
• Investing your clients' money in reliable projects that should definitely pay off.
• Formation of clients' money savings, taking into account the income that is obtained in the course of investment.

The economic model of the functioning of the funds is as follows:

• Individuals and legal entities make pension contributions to a non-state pension fund.
• This money is used to form a funded pension.
• Also, this money can be used as an investment. It should be understood that such investment is aimed at obtaining additional profit, and the objects investment activities only super reliable projects can come forward, which will certainly pay off. Also, investment is regulated by the relevant laws of the Russian Federation, which impose rather stringent requirements on investment objects. Most often, the money of non-profit pension funds is invested in bank stocks, government bonds, real estate etc. After making a profit, all money is evenly distributed among all clients.
• The activities are strictly controlled by various supervisory agencies. Various commissions, actuaries, specialized depositories, auditors and other persons who are hired by the state to control the activities of non-state pension funds can act as controlling persons. If, as a result of the audit, it turns out that the company has invested money in dubious projects, then this campaign will be punished according to the law.

Reliability

The activities of NPFs are monitored by special rating agencies, as well as by the Central Bank of the Russian Federation. These organizations evaluate each fund in terms of such parameters as the number of clients, growth, the availability of publicly available information about the company's investment operations, the regularity of payments, the presence of proven cases of fraud, and so on. As a result of the assessment, each NPF is assigned a special rating, which indicates the reliability of this or that non-state pension fund, and all organizations are collected in a special rating of pensions in terms of reliability. When compiling the assessment, the period of operation of NPFs is also taken into account: new companies (for example, Ingosstrakh, Neftegarant AO and others) never have high reliability ratings - in order to get good rating, they should work for a long time and show good results. Reliability ratings have the following meanings:

• A ++ and A + grades. These ratings are assigned to reliable and ultra-reliable funds that continue to invest and pay back even in the event of severe market fluctuations. Statistics show that such funds rarely disappear.
• Grade A. This grade is given to reliable companies that invest in smart projects and consistently pay pensions to their clients, and their economic policy weakly dependent on market fluctuations.
• B ++ and B + grades. Organizations with a satisfactory level of reliability receive such ratings. The activities of such organizations depend on market fluctuations; the number of problems in case of receiving payments is minimal.
• Grade B. This grade is given to companies with a satisfactory level of reliability. The activities of such organizations are highly dependent on market fluctuations; there have been cases of fraud and / or refusal to pay.
• C ++ and C + scores. These tokens are received by companies with a low level of reliability. These companies have bad economic indicators and often delay payments to their clients.
• Grade C. With a very low level of reliability. Such companies constantly delay payments and / or are on the verge of bankruptcy. The forecast and numerous studies show that funds with such an estimate are very often closed.
• Score D. This score is given to organizations that have been declared bankrupt (however, it should be understood that very often the state "rescues" the clients of such companies if their deposits were insured).
• Score E. This score is assigned to those who have gone through bankruptcy and were liquidated.

The best NPF

To make life easier for retirees, we have compiled a list of the best non-state pension funds in terms of reliability. Let's now take a look at the 5 best NPFs that you can trust:

• Lukoil-Garant. Many experts believe that this is the best NPF to date. The organization was founded almost 25 years ago, and it serves more than 3 million clients (which is about 14% of the total market). The total amount of savings is more than 240 billion rubles. Over the entire period of work, no serious cases of deception or fraud were recorded. Reliability rating - A ++. Also, Lukoil-Garant has many industry-specific awards.
• Surgutneftegaz. The company was founded almost 20 years ago. It is one of the most profitable in Russia (the annual yield for this NPF is somewhere around 11-13 percent). The total amount of savings is about 11 billion rubles. Rating - A ++. In some cases, clients can independently engage in investing and making a profit.
• "European". The company was founded over 20 years ago. The average annual profitability is about 14-15% (this company is the leader in average annual profitability among all NPFs). A separate investment plan is created for each client. The rating of the company is A ++.
• Sberbank. The company was founded over 25 years ago, and this fund serves more than 1 million people. Has good indicators of average annual growth. This fund (in comparison with others) is the richest - the total amount of savings is more than 350 billion rubles. The company regularly publishes its financial reports... NPF reliability rating - A ++. This company is also involved in the banking sector.
• "Promagrofond". The company was founded over 20 years ago; the total number of clients is more than 2 million people. Has good indicators of average annual growth. The total amount of savings is about 70 billion rubles. Current rating - A ++.

Best in terms of money

Let's now find out what the TOP-10 non-state pension funds (NPF) looks like in terms of the amount of funds. Such a rating of non-profit NPF looks like this:

Best in yield

According to the Central Bank rating

Also, the activities of NPFs are assessed by the Central Bank. The Central Bank approaches the assessment of funds a little differently: when compiling a rating, the main criteria are the availability of insurance, as well as the amount of cash (while the company's growth, profitability and some other parameters are poorly taken into account). The national rating of NPFs, according to the Central Bank of the Central Bank, looks like this: Sberbank is in first place, followed by such funds as Doverie, Evropeyskiy, StalFond and Lukoil-Garant.

How to become a client?

To become a client of an NPF, you must conclude an agreement with this company. Before concluding a contract, a person must choose an investment program and a payment model, discuss the terms of termination of the contract, and so on. After signing the contract, you need to provide the company with a pension certificate, insurance certificate and passport. After that, a special account will be opened, where the person will deposit his pension money. After opening an account and crediting money, the fund has the right to dispose of the money at its own discretion, in accordance with applicable laws and regulations.

It should also be understood that there are actually 2 types of pensions:

• Minimum pension. This pension consists of all the money that the person transferred to the NPF account. Regardless of the economic health of the company, a person can qualify for this minimum pension (it should also be remembered that usually such pensions are insured, so in the event of bankruptcy, the state will be able to pay the person his money).
• Actual pension. This pension consists of all the money + income that has been earned through the investment. The rule here is simple - the higher the profitability, the more profit the company receives; the more the company's profit, the more money will be transferred to each pensioner. If things go badly for the company, then the size of the actual pension may decrease (therefore, it is necessary to take a responsible approach to the choice of NPF), however, it should be remembered that even in the event of bankruptcy of the company, its investor can claim to receive the minimum pension.

Conclusion

Now you know how the NPF rating looks like and which NPF is the best. Let's summarize. NPFs are special private funds that are involved in providing pensions to citizens. NPF employees can invest money in various projects, and all the profits received will then be redistributed among all clients of the fund (interest of pension funds is paid along with the basic pension). To reduce the likelihood of unfair investment, the activities of all funds are regulated by special laws. Examples of good ones are Lukoil-Garant, Sberbank, Gazfond and others. Anyone can become a client of the fund; for this, he must study the ratings of NPFs, select a company and conclude an agreement with it.

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

To facilitate this task, we have prepared a list of the 10 most profitable non-state pension funds in the Russian Federation. The yield 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 veterans of the pension market (born in 1993). Its contributors can be not only individuals, but also legal entities. The percentage of the average annual return on deposits is 9.87, and it does not participate in the Expert RA rating.

The rating of NPF 2016 is continued by the “Big Pension Fund”, which appeared in 1995. Now it serves an asset 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 will be unfavorable. The Bolshoi yield is 10.35%.

“Magnit” is not only a network of popular stores, but also the name of an NPF with a recognizable white and red logo. Since 2009, it has a time-unlimited license Federal Service by financial markets and slightly surpasses the previous participant in the top 10 in terms of average annual profitability (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. a program of co-financing of pensions by investing pension reserves and increasing the funded part of clients' labor pensions. The average yield is 10.5%. No data on reliability.

A non-state pension fund that has existed since 1995. It added to the 2016 rating with good results both in terms of profitability (10.5%) and reliability (highest rating A ++). One of the "richest" funds in Russia in terms of one of the main indicators for any NPF - the volume of pension reserves (assets of 15,349 thousand rubles).

Open to individuals and legal entities and has representative offices in 13 russian regions... Offers one of three dimensioned schemes pension contributions: solidarity, with payments in the period from 2 to 30 years or with lifetime payments. The average annual rate of 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... Russian statistics on the profitability of deposits - 11.08%, reliability rating - A (high).

Initially it was known as NPF Parma, then in 2007 it was renamed into Ural Financial House. A careful investment policy and high yield (11.38%) make this fund one of the best in Russia. Does not participate in the reliability rating.

Conducts a conservative investment policy... Clients' funds are mostly invested in bonds, securities and stocks. It has a high reliability rating (A) and a high annual return (11.94%).

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

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

Reliability and profitability table of NPF of Russia 2016

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