Interest NPF Rating. The best non-state pension funds: new ratings

(1 estimates, average: 5,00 out of 5)

Which NPF is the most reliable? Companies providing maintenance and conservation services money More and more faces to provide persons who have reached the retirement age. In order to know, there are NPF ratings.

Leading rating agencies of Russia amounted to their reliability ratings non-state funds. According to " Expert RA"And the" National Rating Agency ", the leading position occupies the NPF" Welfare ". The data for the rest of the NPF rating is somewhat diverged.

According to the expert RA agency, In a group of extremely high reliability (A ++), there are 17 NPFs, a group of very reliable funds (A +) consists of 9 NPFs, in the group of reliable funds - 2 NPFs and one fund is located in the zone of a very low reliability rating (C ++).

Ranking Reliability of NPF from the Agency "Expert RA"

1. Non-state Pension Fund (NPF) "Welfare"

This fund has been operating on the market for over 15 years and is one of the largest organizations in its field. The company is engaged in preservation, multiplication and payment of funds for the content of people who crossed the border of retirement age. "Welfare" serves employees of the most famous and large company-organizer of transport in the Russian Federation - Russian Railways.

The system for working with clients and management is derived to the highest level - international Standard ISO 9001: 62 008. The company ranks first among other NPFs in the country by the number of depositors and the profitability percentage.

2. ZAO PROMAGROFOND

Located on the pension market for more than 10 years. The Foundation is engaged in the reception and storage of funds, investing and paying pensions to people who have reached a certain age.

3. ZAO "RAFAYZEN"

Thanks to the powerful recovery from the advertising company, the NPF rapidly gained momentum over the past few years. The company actively cooperates with the State PF of Russia, offering a program to co-financing investments and offering compulsory pension insurance. For several years, the fund holds the position of one of the most reliable non-governmental funds in the country.

4. CJSC KITFINANS

The Fund has been holding a leading position in the ratings of various agencies in the number of depositors and insured people for 5 years. The organization took the Rospotrebnadzor Award, twice was the winner of the Financial Elite Financial Award. Recently popular.

5. JSC NPF "European Pension Fund"

He has been operating since 1994 and for several years has been occupied by the first positions on the increase in investment inves.

The most prevalence of dealership offices (about 60 cities in the village), high level Income, reliability of investment conservation and a large amount of savings in the Foundation indicate its active growth. Included in the NPF, which is governed by a special self-regulating body - "National Association of Non-State Pension Funds".

6. Sberbank JSC

One of the very first emerging non-government funds in the country. The company has been working for 20 years. She began its activity by decree of the President of the Russian Federation. PF Sberbank is among the top ten non-state funds of Russia. At the moment, the number of depositors of the Sberbank NPF is more than 1 million years.

The foundation has a high level of confidence in the population, because its founder is the largest and reliable bank Russia OJSC Sberbank of Russia.

7. AtomGarant

Foundation has been working since 1994. Every day, the depositary controls the pension reserves. All the results of the Fund for one calendar year are published in periodical press.

8. "Emeless Welfare"

The company is located on the market for the provision of pension services since 2002. The activities of the Foundation are deposits, monetary control, pension funding of citizens.

9. "Large MNPF"

Foundation has existed for 20 years and is one of the largest NPF Russia. Most customer funds - large companies RF (municipal and commercial). The NPF contributors include many industrial enterprises in the country.

10. JSC "Vladimir"

It was founded 20 years ago, in 2001 the fund was renamed to TKN Vladimir, and in 2014 - back. Since 2008, the company has been awarded a high level of reliability, in 2010 - a very high level of reliability, and in 2012 - elevated level (A ++) and he still retains his position.

Expert RA in his rating, consisting of 29 non-state pension funds, show only one organization that received an extremely low percentage of reliability - "First National PF". His rating was C ++, which means the extremely low reliability of the Fund. Such an assessment company received due to its difficult financial situation and the high probability of a quick license revocation. His rating was varied in the area, a and, a + since 2010 to November 2015. In November, he fell to a low level of reliability of the NPF (B +), and in December and even dropped to C ++.

Ranking Reliability of NPF from the Agency "NRA"

1. « Welfare. "
2. CJSC "Kitfinance".
3. JSC "European PF".
4. OJSC "LUKOIL-GARANT". In the reliability rating, this NPF has come for what has been working in Russia for more than 10 years. The fund makes focus on high yield at small risks of funds.
5. « Neftegarant. Since 2013, the Foundation has a rating of AA and every year it increases.
6. OJSC "Electric power industry". He has been working in the provision of pension services for more than 20 years. Last year It is one of the leaders in the number of depositors (more than 1.6 million people), the number of cash and reserves.
7. OJSC RGS. One of the most popular insurance companies "Rosgosstrakh", created the NPF OJSC RGS in 2002. The recognizable brand brings a large number of customers - more than 2.5 million people in quantity monetary deposits - 120 billion rubles. The foundation has about 65 branches throughout Russia.
8. JSC Sberbank.
9. OJSC TelecomSoyuz. Foundation has been working since 1996. The company provides services for compulsory pension insurance and the non-state program of providing pensioners. Since 2013, the Fund has been awarded the reliability rating at the A ++ level, which is confirmed for 2 years. Also, the company received several diplomas from the Expert RA Agency.
10. "Heritage". One of the oldest NPF of Russia - was created in 1993. The company cooperates with many organizations in the country. Already about 17 thousand people receive a pension from the heritage reserves, and more than 100 thousand carry out deposits. The Foundation received many awards, diplomas and awards, was a laureate of several Russian premiums in the field of non-state pension insurance.

CJSC URALSIB is waiting for confirmation of its rating at the level of a-, meaning the average reliability stability of the Fund. CJSC "Heritage" has already confirmed its position in the Rating at the AA + level, which means the high reliability of the Foundation.

Investments in pension savings are also investment, and they are directed to the decision of one of the most important issuesfacing every person. Namely - how to ensure yourself decent life in old age.

One of the differences in the investment in NPF (non-state pension funds) The usual investment is that contributions to the pension fund are mandatory for every citizen of Russia, while "classical" investment is purely voluntary. But in what pension fund is better to invest? The question is extremely important and requires the most careful understanding. To state or non-state? And what exactly? Find out the answers to these and other questions right now from the ranking of the top 5 NPF for 2018.

Answers to current issues, as well as the consideration of the specifics of non-state pension funds, will be given at the end of the article, and now we will consider the return rating of the profitability of the NPF Russia, for 2018. In Russia's statistics, there are many basic indicators, and we will try to highlight the leaders in each of them.

Alpari is an undisputed leader in Forex market and today the best broker for traders from Russia and the CIS countries. The main advantage of the broker is the reliability confirmed by the 17th works. Alpari gives traders the opportunity to earn and output profits.

RoboForex is an international high-level broker with CYSEC and IFCS licenses. In the market since 2009, it provides a number of innovative tools and platforms for both traders and investors. Famous for nothing bonus program which includes free $ 30 for newbies.

A variety of companies have fallen into it, with different returns, the number of customers, investment instruments and other things. But all of them are united by a long history, a high level of reliability and positive customer feedback.

5 best NPF for investment in 2018

Lukoil-Garant

Non-state PF "LUKOIL-GARANT", founded in the distant year after 1994 he took the first place of our rating for a variety of reasons, among whom:

On the website of the Foundation, you can find a pension calculator, allowing you to calculate how much you can accumulate, becoming a customer of the Fund, which retirement can count and how much you get in the form of net profit.

The average profitability of the Fund is 9%.

JSC NPF "Sugrogeneftegaz"

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

One of the leaders on average annual yield, which is, an average of 11.5-12%.

This Fund provides customers with a complete calculation of the structure of posting pension reserves, as well as investment tools, with which the "Sugruneftegaz" increases depositors.

At the moment, the amount of pension reserves of the Fund exceeds the volume pension savings more than three times and continues to grow. At the same time, their yield stably exceeds the inflation rate of one and a half or twice.

NPF "European"

Another leader, this time in the field of average annual yield, which is more than 14% here.

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

The investment assessment of customer assets is made taking into account the individual characteristics of the client, such as its current level wages, retirement date, acceptable risk and so on.

The activities of the Foundation are under the control of the Central Bank of Russia, the Federal tax Service, Ministries of labor and other government agencies. By the way, the reliability of the Fund is awarded the highest (a ++) rating.

Clients of the company are more than one and a half million people, and the accumulated profitability of investing pension savings is 101.96%.

JSC NPF Sberbank

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

The highest level of reliability (a ++) and more than a million satisfied customers are not better characterized by the Fund and its activities.

NPF Sberbank behaves strict reporting to its clients in the placement of pension reserves and savings, as by type investment assetsand in areas of activity.

By the way, the Foundation offers a number of programs regarding not only accumulative pensions and increase their size with the help of investments, a and corporate projects to improve business efficiency and tax preferences.

NPF "National"

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

Customer deposits are insured by the "Deposit Insurance Agency", which ensures a guarantee of the fulfillment by the Fund of its obligations and almost complete lack of risks for customers.

Naturally, this industry does not stand still, moreover - it is rapidly developing, so this rating It is impossible to be called static, on the contrary, it is extremely dynamic. We will closely monitor the situation around the best NPF of Russia, so come to our site and will be aware of all news in this area.

Well, now, as it was promised, we turn to the consideration of the essence of state and non-state pension funds.

State Pension Fund or NPF?

Consider the basic indicators and the specifics of each option.

State funds - These are classic departments for the management of pension savings of the population. Everything is established, reliably, ensured and guaranteed by the state itself, which largely increases the safety of customers.

But the yield is low. Invest such funds can only in government bonds (OFS) and stocks. Conclusion: GPF is very reliable, practically deprived of risk, but also the yield is appropriate.

Non-state funds - These are new, actively developing companies (I want to hope for it), which turn the money faster by the extended list of investment instruments. Of course, this list is rigidly limited at the legislative level, but they are much wider than that of classical funds.

For example, NPF can invest or transfer pension accumulation of citizens in managing company. Can buy state and municipal securities, as well as corporate bonds of the constituent entities of the Russian Federation. Also NPF buy real estate and make deposit deposits.

Ranking of the NPF of Russia for reliability and profitability, as well as statistics for 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 much does this white band last and will it be laundered by the wrestling of investment funds? Who knows.

Conclusion: Reliability of the NPF is relatively high, but still, in question, because It took too little time for its evidence, 15-20 years of the existence of funds - not such a long time and compare them according to this indicator with state funds, nevertheless. The yield is significantly higher than the state funds, but whether it is worth investment risks - to solve you.

What will happen to NPF in 2018?

Looking at the statistics of the NPF profitability and the scale of their activities growing every day, to say that this industry is dying until it is necessary.

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

Therefore, reflecting that it would be with the NPF this year, it can be assumed that in the absence of unforeseen circumstances and force majeures, they will continue their activities. Well, how successful it will be impossible to say.

Guarantee reliability of the NPF. We can't, like any other financial instruments (of the same Sberbank). Our goal is to inform readers and nothing more. Still, investments are in Africa investments, and wherever there is an opportunity to earn, there is a risk to roaming, especially since the third entities are managed by your money.

So, solve you and only you. You yourself choose the pension fund to your own fear and risk.

And in order not to risk pension savings in vain, trusting them with unauthorized people, maybe it makes sense to independently invest and multiplying your capital?

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 pleased.

The profitability of such an investment will be no worse than the investment of funds in the NPF, and the risk value is several times less. So maybe you should not put my retirement on the card, trusting her commercial organization?

Sincerely, Alexander Ivanov

Now more and more people think about investing money in NPF. Rating 5 of the best funds in 2017 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 activities of non-state pension funds are described 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 of 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 ++. This is a high level of 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.

You can change the control company in the form of a NPF one time annually, this right is fixed behind 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

The main goal of creating non-state pension funds was to increase the welfare of persons of the retirement age. Funds appeared long ago and are heard, but many still do not understand many features of their work. To increase the literacy of citizens, several large advertising campaigns were deployed in this issue, when representatives of the funds went home at home and advised them on accession to new program Pension insurance. This was done to attract depositors and increasing volume cash. Many are still asked if it is worth transferring their savings to the non-state fund. Let's try to figure it out in this matter, and at the same time we consider the rating of the NPF Russia.

Definition and essence of the concept

Each citizen of our country has its own cumulative account for the formation of a future pension. A person works, and part of his wages is sent to the pension fund, which part of the money received sends to the turnover, and the part leaves. Thus, a person himself creates his future retirement.

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

Attention should be paid to the next moment: non-state funds conduct competent and profitable investment of depositors' money into securities, stocks, deposits in banks, government corporations, etc. That is, having transferred its accumulations into such a fund, the future pensioner creates a significantly big retirement What can the state be offered.

Parts of the pension

In the question of transferring its savings to a non-state pension fund, it is important to consider that social payments Future pensioners at the moment consist of three parts:

1. Basic. It is approximately 6%. It is the basis for the benefit obtained upon reaching the retirement age.
2. Insurance. Equal to 14%. Enters the personal account of the worker, however, it is gradually not withstanding the on-line inflation.
3. Cumulative. Approximately 2%. It is this part of the future pension that plays a major role today. It provides the material database of future payments. For obvious reasons, these 2% are unlikely to allow the pensioner to confidently feel in the material plan. In non-state funds, this rate is 6%, which significantly increases the size of future payments.

The last item clarifies the question of whether to trust the non-state funds their future retirement. However, still has its pros and cons. NPF rating for profitability Consider below.

Benefits

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

However, there is a submarine stone: quite often in the contract with a non-state pension fund indicates a fixed profit value. This is done due to the fact that it is almost impossible to predict the vector of the development of the global economy and the results of the game on the stock exchange.

Another undoubted plus is the safety of nested assets. In case of losses incurred, the cash will remain in the account in the initial volume, as the Fund compensates for damages from its own funds. The structure of investments in non-state funds flexible, and plans are adjusted depending on the planned on financial market trends.

disadvantages

There are other experts on the other side of the barricades. They do not recommend translating their savings to the future retirement to non-state organizations. This is explained as follows: with the unfavorable situation on the market, the profit will be absent, and therefore, and the future pension will not grow. In addition, if the structure declares itself bankrupt, then the right to choose a new fund and pay to it falls on the depositor.

These shortcomings, of course, do not call, but they create certain difficulties and troubles are completely capable. The decision to transition to the non-state fund is made individually.

Criteria rating

The main question that arises from a person who has decided to translate its accumulations to a non-state pension fund is for which criteria to choose an organization for investment. To facilitate such a difficult choice, the ratings of the reliability and profitability of non-government funds are drawn up annually. Such ratings help identify best Foundation And save your finances. The main criteria for compiling the rating of the NPF of Russia, therefore, are:

1. Duration and performance of the Foundation. When drawing up a rating, the Age of the Fund plays a significant role. The optimal will choose the organizations that were created before the pension reform of 2002. The ideal option is founded by 1998. Having experienced two crisis, which for several decades gives a reason for confidence. Indicators of assets and reserves are also important, the number of customers, including those who already receive 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, private individuals or small one-day firms unequivocally inspire confidence in the role of founders of the Foundation. It is not recommended to consider similar options for their pension savings. It is better to give preference to funds whose owners are large enterprises engaged in gas, oil production and minerals.
3. Income level. If reliability can be determined using the above-mentioned criteria, it is different about the profitability. Its level is quite difficult to understand. There are two forms of income: according to the Federal financial Servicewhich keeps under control all non-state pension funds, and the information disclosed by the Organization itself. Indicators on these two forms can radically differ from each other. Funds with a high degree of reliability show yield on average by 0.3% less than indicators for basic investment.
4. Rating of the NPF Russia. We are talking about lists of reliability funds, which is determined by symbols A and A ++. This criteria takes into account the stable position of the Fund in the ranking over several years. If the fund's rating has been withdrawn, then such an organization is better to go around the party.
5. Customer reviews. To choose a reliable and profitable fund, it is also necessary to familiarize yourself with the reviews of those who are already cooperating with him. To do this, you can visit special forums or sites. Do not blindly believe hundreds of enthusiastic reviews, as they can be written under the order. However, the absence of any comments about the work of the Fund does not inspire special confidence.
6. Social networks. Also can be a reliable source of data on the non-state fund. There you can meet a lot of real reviews and understand whether the chosen fund really meets the criteria for reliability and stability.

Rating

The preparation of ratings of non-state pension funds for reliability is one of the main tasks of many analytical agencies. The accreditation of the Fund in the Central Bank of Russia is a prerequisite for inclusion in the list. Based on the main bank of the country and the ratings of the reliability of NPF are drawn up.

Today there are two firms that are generally accepted specialized rating agencies. This is the "Analytical Credit Agency" and "Expert RA". It is these companies that can be trusted when choosing not state Fund For its pension savings. The reliability of the Foundation is at the head of the corner, since it is this indicator that allows a person to assess the risks when signing the contract.

NPF "LUKOIL-GARANT"

Founded in 1994. The coverage of the non-state retirement insurance market is 14 percent. Customer base of more than 3 million people. The accumulation of the fund makes more than 149 billion rubles. The background was many times awarded and never seen in financial fraud.

NPF "Ural Financial House" - this pension fund is eliminated today. After the license was canceled, all pension accumulations were translated into the FIU.

JSC NPF "Surgutneftegaz"

In stability and reliability occupies a leading position in our country. He was awarded a ++ rating, which is the highest assessment of his work. The average annual income of the Foundation is 12 percent, which also takes it into the first rows among other NPFs. Customers of the Fund can access the description of the investments in which their accumulation takes place. The fund makes it possible to manage its savings, which can significantly increase profits. Cash reserve exceeds the assets of the Foundation three times. And the profitability of accumulations above the level of inflation.

NPF "Savterfond" reso

The profitability of pension savings is 10.2%. One of the main goals of the company is a continuous and consistent increase in customer service. With its activities, the NPF helps to ensure the decent quality of life of the citizens of the Russian Federation of the retirement age. They have an individual approach to each client.

NPF "European"

With an average annual profitability 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 service standards for customers.
• The activities of the Foundation are under the control of the Central Bank, which allows you to get the highest rating of A ++.

Foundation "Sberbank"

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

ZAO NPF "Promagroofond"

Among the licensed organizations is in third place. The client base includes more than two million people. The volume of accumulations is approximately 72 million rubles. The fund serves customers throughout the country.

Conclusion

Thus, the choice of a non-state pension fund seems to be a difficult task with a multitude of pitfalls. However, carefully examining the ratings and reviews, objectively appreciating the stability and reliability of a separately taken fund can be made. right choicewho will not deliver trouble in the future. The main thing is not to succumb to the persuasion of advertising or the representative of the Foundation, and accept your own, thoughtful decision, because we are talking about secured old age.

If you decide to translate your funds from the State Fund in Non-State, then you are probably interested in the question - which NPF is now in the first place in the ranking of reliability and profitability? In this article you will be able to learn what companies do the highest places different criteria Estimates.

What to choose: state or private fund?

To date, very many Russians prefer to leave the FIU to various NPFs, which currently have several dozen. As a rule, their large companies are organized for their employees, however, if the Foundation's activities are successful, and according to its results, it can offer its customers good performance, then other people who are not employees of the owner begin to be translated.

The main advantages of the NPF before the FIU:

1. High yield. Most public institutions are sufficiently conservative and "nerviar" in their investment activityDue to what they can offer their customers stability, but taking into account small profits. If we talk about the NPF, then they also act within the framework of the legislation and controlled by the state, however, they have significantly more opportunities for profitable investments,
2. Getting an inheritance. In the event of the death of a pensioner, any person who was listed in the will can be inherited or testament. In the FIU, only legitimate direct heirs will be able to receive money
3. The ability to influence the amount of future payments - you will be offered several accumulation scenarios, and you can choose the most convenient option for you,
4. You can receive income on pensions immediately from several sources, i.e. concluding the contract at once with several organizations,
5. The ability to transfer its cash from one company to another if the initial version did not suit you on its profitability. At the same time, if the company is experiencing problems that lead to the review of the license, you still retain your savings, because They are insured by the state.

In order to choose a non-state pension fund, it is very important to collect about it as much information as possible. If there is such an opportunity - visit his office in your city, and if there are no representative offices - carefully examine the data on the official website of this company, if you have any questions - write a letter to email or call the hotline.

In this case, it will not be superfluous to search for reviews that leave existing customers on various Internet portals. However, they should not be treated as truth in the last instance, because Such reviews can be paid, i.e. customized from competitors.

How to choose for yourself the best NPF?

The question of which NPF is in the first place is not correct. The reason for this is different indicators based on the ratings of funds.

Consider some of them.

on the profitability of pension savings -;

by the number of insured persons - Sberbank NPF;

in terms of pension savings -.

As you can see, different funds can "boast" the first places in completely different sources and indicators for comparisons. It is for this reason that it is not unambiguous to say which of them is the leader, because each organization needs to be assessed comprehensively.

If you are in finding a non-state pension fund, which would suit you in terms of your conditions, then it is best to navigate for two main ratings: in terms of reliability indicators (you can familiarize yourself) and the rating of profitability (specified in this article). Check out these comparative tables:

• Most reliable funds

• Companies with high values \u200b\u200bof average accumulated profitability

• By volume of savings:

• By the number of insured persons:

What conclusions can be made?

There is no single leader among non-governmental funds in all directions, each strongly in its own. If you need to decide between several NPFs, who will prefer, look at several ratings immediately.