List of profitability of non-state pension funds. Rating of non-state pension funds

Investing in your future is the main motivation for an investor. This is especially true for long-term strategies related to pension capital. The topic of non-state pension funds has been raised on the blog more than once. But since I published the article on, a lot has changed in the market. The rules of the game in this sector are so often revised that the assessment of future investment results requires constant updating. In today's review, based on new data, we will analyze the following questions:

• What problems have accumulated in the pension system;
• NPF or Pension Fund: what to choose;
• What to expect from the pension system.

Problems in the pension system

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The state pension insurance system is not a problem that has arisen today. Quantity able-bodied population is shrinking, and the elderly is growing. In Russia, the situation is aggravated by mistrust of state system pension provision. I admit an environment in which the retirement fund income may not be sufficient for payments. A typical case: in 2017, the government chose to save about 150 billion rubles, replacing the indexation of pensions with a one-time payment of five thousand rubles. VEB's economic forecast has already included an increase in the retirement age from 2020. Judging by the deplorable state of the pension budget, this forecast is likely to come true. This decision is pushed and demographic situation with an aging population. Before analyzing the problem, let's remember what a NPF is.

A non-state pension fund is a legal entity with the status of a non-profit organization that is engaged in the accumulation and management of pension assets. NPF disposes of depositors' funds within the framework established by law. For money management, the NPF receives a remuneration of 8-15% of investment income... More than 90% of all pension savings, excluding the PFR, are in the top 15 largest NPFs.

Let me remind you that since 2002, the future pension has been divided into 2 parts: insurance and. Out of 22% of the employer's deductions from the payroll (payroll):

• 16% goes to the insurance part, to the current payments of pensions through the Pension Fund;
• 6% - to the funded part, which is accumulated on the personal account of the insured.

By default, the funded portion is sent to the Pension Fund of the Russian Federation, where it is managed by the VEB Management Company (Vnesheconombank). A citizen is given the right to choose the Criminal Code within the same PFR or transfer the funded part to a non-state fund.

Until the end of 2015, each insured had to make a choice:

1. Do nothing and become a "silent", that is, agree that the funded part is combined with the insurance part in the Pension Fund of the Russian Federation. VEB invests money in conservative securities, blue-chip stocks, mortgage portfolios.
2. Transfer the funded part to a private NPF. This choice was made by about 35% of working Russians. This percentage is increasing from year to year.

In 2014, a moratorium on the funded part was introduced, which will operate at least until 2020. Because of this, NPFs lost a significant part of their income. According to the report (DIA), 34 NPFs left the market and owed creditors and future retirees 96 billion rubles. 30 are in the process of liquidation, of which 5 have signs of deliberate. That is, in addition to government policy, the efficiency of the pension system was influenced by the bad faith of the management of some funds. At the time of this writing, there are 66 active funds with a license left on the market. This is two times less than in 2012.

NPF or Pension Fund: what to choose

Most of you have already decided on the choice of the accumulation method. It remains for me to give a few recommendations in relation to the current state of the pension system. But first, let's compare the PFR and NPF according to two main criteria:

Profitability

At the end of 2016, which is considered super-profitable for the Russian stock market, NPF profitability averaged about 11%. VEB has an average return on the government securities portfolio and on the extended investment portfolio amounted to 10.53% in the same year. In the first half of 2017, VEB's profitability dropped to 8.8% per annum. 20 out of 66 NPFs show investment results below VEB, but on average in the industry continue to outperform it. The gap between the profitability of PFR and NPF is narrowing and there is no global difference in this indicator now. Due to the low in 2017-2018, both private and state pension funds will most likely be able to outstrip it.

Risks

In terms of government guarantees, the FIU looks like a less risky investment. On the other hand, since 2015, NPFs have the opportunity to join the system of guaranteeing the rights of insured persons, an analogue of the DIA. 38 NPFs are members of the Deposit Insurance Agency. But, in the event of bankruptcy, a private pension fund may lose its accreditation. The accumulated funds will be reimbursed through insurance payments and transferred to the FIU. At the same time, one cannot ignore the factors that undermine the confidence of citizens in the state:

• freezing of the storage part, which has been lasting for 4 years;
• lack of transparency in reforming the pension system;
• transfer of accounting of savings to the FIU from monetary form into the point.

In the case when the funded part as a result of freezing joins the insurance part, we are not talking about investing in principle. Savings are indexed according to the inflation rate only virtually. Outwardly, this looks better than the possible losses of NPFs, especially during periods economic recession... Opponents of the funded system (for example, Deputy Prime Minister Olga Golodets) talk about the risks of bankruptcy of NPFs. However, in conditions when the government changes the principles of forming pension savings almost every year, the risks of remaining “silent” are hardly less. Particularly worrisome is the fact that today no one can say how much the points accumulated in the account will cost at the time of retirement.

Arguments in favor of a non-state pension fund

1. The further, the more it becomes obvious that the financial model of the PFR is gradually becoming obsolete. The state has less money, and indexing does not cover the depreciation of pensions.
2. Continuously changing accounting rules pension contributions new surprises are being presented to the FIU.
3. In conditions of economic growth, which will resume sooner or later, the profitability of NPFs covers inflation and surpasses the indicators of the PFR. But on the horizon of 10 years, private funds are still ahead of the state PFR in terms of accumulated profitability: NPF - from 80 to 100%; Management Company VEB - from 50% for the basic portfolio (government securities) to 80% for the extended portfolio.

Another argument in favor of the NPF is the promised implementation of the idea (IPC) in 2019. Let me remind you that it provides for the transition from compulsory pension insurance (OPS) to a voluntary system. Now the reform on the creation of the PKI, which I wrote about six months ago, has been postponed indefinitely. But it is highly likely that the growing deficit of the pension fund will force a return to this idea.

Weaknesses of NPFs

1. The risk of bankruptcy of NPFs, especially small private funds.
2. The profitability of some NPFs is losing out to inflation. The main reason for the losses was investments in securities Opening and B&N Bank.
3. The transition from one NPF to another earlier than 5 years later leads to a loss of accrued investment income. By the way, in 2017, about 2 million citizens changed one fund for another. Their losses amounted to 33 billion rubles.

The main reason for the departure of the former “silent people” to non-state pension funds is the total distrust of the state pension system. Of course, the activity of agents attracting clients plays a role. But neither persuasion nor deception can achieve such results. In general, people do not trust private structures. But the government is even less reliant on. What is only the freezing of the funded pension and the transfer to the point accounting system of money for personal accounts... The rules of the game change almost every year, which creates grounds for well-founded fears. It is not necessary to count on the fact that the state will finally carry out the pension reform “as it should” and that by the time you retire you will receive decent payments. The salvation for most of us is in one thing: invest part of your current income wisely and effectively. The sooner you start doing this, the better.

What to expect from the pension system

According to statistics, almost 65% preferred the FIU, that is, they ignored the ongoing changes. However, the situation is acquiring a different turn, and in 2017 alone, 2.9 million Russians ("silent") transferred their savings from the state PFR to the NPF. The total amount of savings in NPFs reached 2.7 trillion rubles. Only 76.7 thousand returned in the opposite direction. The numbers seem huge, but a year earlier, twice as many applications were submitted. The bulk of clients were attracted by pension funds owned by state banks. The leader among them, by a significant margin, is the NPF of Sberbank (52% of applications). Their private competitors, on the contrary, suffer losses. What is happening fits into the general process of redistribution of the market in favor of state-owned banks.

Obviously, the enlargement and nationalization of the pension fund industry will continue. This process repeats what happens in banking system... For example, it became known that NPF Lukoil-Garant, NPF RGS, NPF Electroenergetics will be merged under the brand of the state-owned Otkritie in 2018. The combined assets of the fund will amount to 570 billion rubles. The largest NPF "Future" is also looking for a buyer.

You can find and compare data on the website of the fund itself or on a website that relies on statistics Federal Service on financial risks. Resources where you can check ratings for reliability, profitability, number of insured persons: http://npf.investfunds.ru/ratings/, https://raexpert.ru/ratings/npf/, http: //www.pensiamarket. ru /,. On the last of these sites, it is convenient to get information about your future pension by using the SNILS number.

To transfer from the PFR to the NPF, you need to conclude a trust management agreement with the NPF and submit an application to the territorial body of the Pension Fund of the Russian Federation for the transfer to the NPF of your choice. To return to the FIU, you need to do the same thing, just fill out another application form and wait for the FIU to consider it. The transition to the FIU takes much longer.

• Do not rush to change one NPF for another because of the 1-2% yield. It is not a fact that they will recoup the loss of accumulated investment income.
• Don't be fooled by the tempting offers of agents. We have all faced the aggressive imposition of a transition to NPFs in banks and from pension brokers.
• Avoid contacts with obvious scammers who even make door-to-door rounds of gullible citizens under the guise of pension fund workers.

Conclusion

My advice to investors: do not rely solely on the grace of the state and the good faith of the owners of pension funds. You have a lot of investment tools to take care of in advance about a decent quality of life after the end of your working career. It is wrong to think that retirement is not coming soon and that there is still a lot of time to make a decision.

And in which fund is your funded part of your pension? How do you assess the prospects for the pension reform in Russia?

Profit to everyone!

Navigating the article

• All 16% - for the formation of an insurance pension;
• 10% - for the formation of insurance, and 6% - for funded pension.

However, a funded pension can be formed not only from 6% of the employer's contribution, but also with the help of voluntary contributions from a citizen participating in, as well as through and investment of the funds available in the personal account. Thus, all of the above sources constitute total amount funded pension.

NPF or Pension Fund - what to choose?

After the pension reform in Russia, citizens were puzzled by the acute issue of choosing where to store part of their pension savings: (NPF) or Russian Pension Fund(FIU). To determine more profitable option, it is advisable to consider the funded pension system from the inside.

When choosing a FIU pension savings citizens are transferred to (public or private) for their further increase and through investment. Transferring savings to NPFs, the fund, in turn, directs them independently also to trust management in the Criminal Code, chosen by him in the analysis of the results of their investment activities.

However, it should be noted that a citizen has the right to dispose of only pension savings; and are not subject to transfer to the NPF, and will remain with the Pension Fund.

Weighing the pros and cons of funds, relative to their percentage, it is worth remembering that the state insurance pension guaranteed, and the funds of the funded pension increase due to the return on investment by financial market which can lead to loss... It can also be concluded that the savings stored in the PFR are slowly but surely increasing, and in the NPF, the level of profitability depends on the success of the investment.

In any case, since 2014 introduced pension savings insurance and, even if the ruin of NPFs follows, the accumulated savings will not disappear anywhere... But all the same, a citizen has every right to refuse the formation of a funded pension at any time and transfer all funds.

Which non-state pension fund is better to choose?

More and more Russian citizens want to increase their pension through formation, however, among the many options from among the NPF, it is difficult for a citizen to do optimal choice... For this, there are several basic selection criteria that will help evaluate the fund and find a suitable option for yourself.

The main criteria for choosing an NPF

Pursuant to paragraph 6 of Article 13 , a citizen can transfer his pension savings no more than once a year, which means that the issue of choosing a fund should be taken seriously.

There are a number of criteria to help determine suitable option, among many other NPFs:

1. Age of the foundation and its founders... The older the fund, the more reliable it is, based on the experience of many years of its activity. If the fund was able to survive the financial crises in the country, this can only contribute to its preference. Large industrial organizations are most credible as founders.
2. Fund profitability... According to the report of the Bank of Russia and on the fund's website, one can assess the success of the NPF's investment.
3. A place in an independent NPF rating and the reputation of the fund... The position in such a rating reflects the degree of reliability of the fund itself, since rating agencies evaluate only successful market players and also predict their development.
4. Open information on the official website of the foundation. According to Article 35.1 of the Law of 07.05.1998 No. 75-FZ "On non-state pension funds", the website of the fund must contain basic information about the fund: name, license number, information about the location, as well as about financial statements, investment results, number of participants, depositors and insured persons.
5. Comfortable service... Availability hotline for the client and personal account on a website where you can track the movement of your retirement savings.

After analysis by criteria and selection of NPF, it is necessary to complete current year apply in person or by mail with an application for transferring from the Pension Fund to the NPF (or another NPF) to the local department of the Pension Fund.

Ratings of profitability and reliability of NPFs

To determine the level of profitability and reliability of NPFs, special ratings, which classify funds from profitable to unprofitable, and from more reliable to bankrupt fund.

• A ++- these are the most reliable and crisis-resistant funds;
• A +- stable funds with authority;
• A- time-tested, reliable funds;
• B ++- average level of reliability, but no negative reviews;
• B +- dubious funds;
• V - low level reliability, lack of guarantees;
• C ++ and C +- high probability of license revocation;
• C- bad reputation, negative reviews;
• D- bankrupts
• E- license revocation or liquidation process.

Concerning statistics profitability NPF, then according to the data Central bank lately, the top five funds can include:

1. Hephaestus;
2. Alliance;
3. Diamond Autumn;
4. National NPF;
5. The first industrial alliance.

The stable and long-term profitability of these funds has outstripped inflation, and clients who have invested in them have significantly increased their capital.

Best NPF in 2018 based on performance

NPF Sberbank has a stable profitability, which currently amounts to - 10,37% and has the most high level reliability assessed by the agency Expert RA - A ++.

Also, this fund consists of National Association of NPF- an autonomous organization of NPF in Russia and is a member of the Association of European Businesses. This fund inspires confidence only because more than 6 million accounts were opened by participants under the compulsory pension insurance program, and the volume of pension savings is more than 466 billion rubles.

Is it possible to change the non-state pension fund?

At the request of the citizen, the formed pension savings can be. To do this, just contact transition statement to the local branch of the FIU, attaching Required documents... Within the time limits established by the legislation, a decision is made on the possibility of transition, with the subsequent notification of the participants in the process.

V new fund, pension savings will be received only in five years after a decision is made by the FIU body. The accumulated funds will be transferred taking into account the investment income and the preservation of the citizen's right to transfer funds ahead of schedule in the coming year.

However, it should be remembered that the transition to another fund can only be carried out 1 time in five years otherwise, the investment income may be lost.

The desire to change a non-state pension fund is most often due to the search for a more profitable option with the highest profitability and reliability, but it is not recommended to change your choice too often.

One should start thinking about pension savings from the very first years of employment. With this approach, by the time of the onset of retirement age, there is every chance of not being left behind with the smallest state payments.

Accredited non-state pension funds will help you to increase your future pension. The most profitable of them entered rating NPF of Russia 2015 year... The statistics on the reliability and profitability of funds show the stability of the participants and, as a consequence, the degree of trust in them.

This list is outdated, see updated in terms of profitability and reliability.

NPF offers clients programs for state co-financing, supplementary retirement benefits, compulsory insurance. Legal entities NPF offers corporate programs.

9. "Big Pension Fund" NPF (10.67%)

NPF has been operating since 1995 and is one of the pioneers in the domestic pension market. More than 500 thousand people from 50 regions of the Russian Federation are the clients of NPFs. Russian Aluminum, RENOVA and AFK Sistema carry out their corporate pension programs through NPFs.

8. National NPF (10.78%)

NPF was established in 1997. The fund makes pension payments through Sberbank of the Russian Federation, as well as the Zenit banking group. The fund has an A ++ rating, which indicates its high reliability.

7. NPF "Education and Science" (11.08%)

The Foundation was established in 1994 by the Trade Union of Education and Science Workers of the Russian Federation. NPF offers programs of non-state pension provision, compulsory insurance, as well as pension co-financing.

6. NPF "Ural Financial House" (11.38%)

The fund has been operating in the pension market since 1996. The founders of the NPF are ZAO Parma-Pension, as well as companies of the diversified Perm Financial and Industrial Group.

5. Welfare of NPFs (11.68%)

One of the largest NPFs in the country has been operating since 2005. The fund implements corporate program pension provision with Russian Railways. NPFs have a maximum reliability rating - A ++.

4. NPF "Defense Industrial Fund" (11.94%)

The NPF received its perpetual license in 2006. Today the fund works with 6 management companies. Reliability rating - A, investment policy is closer to conservative.

3. NPF "Education" (12.1%)

NPF was established in 2001 to work in the public sector. However, it gradually became universal, and its services are available to everyone. NPF offers 3 pension schemes with different payment options: solidarity, with temporary pension payments(from 2 to 30 years old) and with lifelong retirement benefits.

2. NPF "Surgutneftegas" (14.11%)

This year, the fund will celebrate the 20th anniversary of its work in the pension investment market. NPF has the highest reliability rating A ++ in combination with maximum profitability investment.

1. European Pension Fund (14.37%)

The NPF profitability rating is topped by a company that has an A + reliability rating from Expert RA. The fund received a perpetual license in 2004, and has been operating in the pension savings market since 1994. Last year he was also awarded 1 place in the.

NPF reliability and profitability table:

A place	Name	Rating RA Expert *	Profitability,%
1	A +	14.37
2	NPF "Surgutneftegas"	A ++	14.11
3	NPF "Education"	-	12.1
4	NPF "Defense Industrial Fund"	A	11.94
5	Welfare of NPF	A ++	11.68
6	NPF "Ural Financial House"	-	11.38
7	NPF "Education and Science"	-	11.08
8	A ++	10.78
9	"Big Pension Fund" NPF	A ++	10.67
10	-	10.5
11	NPF "Magnit"	-	10.36
12	ONPF "Trust"	-	10.34
13	Non-profit organization NPF "Vladimir"	A ++	9.92
14	NPF "Povolzhsky"	-	9.87
15	NPF "SberFond RESO"	A +	9.85
16	RSPF "SIBERIAN SBERFOND"	-	9.63
17	NPF "Doverie"	A +	9.56
18	NPF OPK	-	9.56
19	NPF "Transneft"	A ++	9.49
20	Lukoil GARANT	A ++	9.44
21	NPF Telecom-Soyuz	A ++	9.31
22	NPF "Social Development"	-	9.24
23	MNPF "AQUILON"	-	9.23
24	OJSC "NPF GAZFOND pension savings"	A ++	9.19
25	NPF "Social World"	-	8.69
26	NPF "Promagrofond"	A +	8.66
27	Khanty-Mansi NPF	A	8.56
28	NPF "Volga-Capital"	A +	8.53
29	KIT Finance NPF	A ++	8.49
30	NPF "REGIONFOND"	-	8.48
31	URALSIB NPF	A +	8.46
32	NPF "Gefest"	-	8.45
33	NPF Sberbank	A ++	8.24
34	NPF "Neftegarant"	A ++	8.24
35	NPF "First Russian Pension Fund"	A	8.16
36	NPF VTB	A ++	8.15
37	NPF of the electric power industry	A ++	8.04
38	NPF "Renaissance Life and Pensions"	A +	7.85
39	NPF "MECHEL-FOND"	-	7.83
40	NPF "Consent"	-	7.56
41	NPF "Atomgarant"	A ++	7.08
42	NPF "Alliance"	A ++	6.9
43	NPF Raiffeisen	A ++	6.75

“A ++"- Highest level of reliability
”A +"- High level of reliability
”A”- Normal reliability
“- ”- Rating not assigned by the agency

When choosing a non-state pension fund, an important role should be played not only by the fund's profitability, but also by its stability, which is ensured by the amount of funds transferred to the fund as part of the mandatory pension provision. In this rating, only the largest non-state pension funds, included in the top 20 in terms of the amount of pension savings in management, will be presented. The main factor in the distribution of places in the rating was the average profitability of NPFs over the past 3 years (2010, 2011, 2012), as well as how successfully non-state pension funds survived financial crisis 2011 year. All data on the profitability of NPFs are taken from the report "Profitability of pension funds on compulsory pension insurance", compiled by LLC "Pension and actuarial consultations" (the report can be downloaded in the appendix to the article).

20th place: NPF Heritage (until September 2013 it was called NPF Norilsk Nickel). NPF Heritage ranks 9th among NPFs in terms of the amount of pension savings. The profitability of this fund was 9.34% in 2010, during the financial crisis of 2011 the fund was unable to achieve positive results, and the profitability for 2012 was 6.75%. Website - http://npfn.ru/

19th place: NPF of Sberbank is the third among NPFs in terms of the amount of pension savings. Despite large reserves, the 2011 financial crisis prevented the fund from making a profit. In 2010 the profitability was 9.27%, in 2012 it was 7.03%. Website - http://www.npfsb.ru/

18th place: NPF KIT Finance. The APF, which ranks 8th in terms of the amount of pension savings, also did not show profitability in 2011. The return indicator for 2010 is 9.98%, for 2012 is 6.70%. Website - http://www.kitnpf.ru/

17th place: NPF Raiffeisen. Ranked 14th in terms of pension savings. NPF Raiffeisen is the last in the NPF rating that did not show profitability in the crisis year of 2011. Income in 2010 was 10.82%, in 2012 6.75%. Website - http://www.npfraiffeisen.ru/

16th place: NPF Promagrofond. The yield in 2010 was 10.00%, in 2011 it was 2.84%, in 2012 it was 3.55%. NPF Promagrofond is the tenth among NPFs in terms of the amount of pension savings. Website - http://www.promagrofond.ru/

15th place: NPF Welfare. Profitability by year: 10.20% (2010), 0.65% (2011), 7.00% (2012). NPF Blagosostoyanie is the second among NPFs in terms of the amount of pension savings. Website - http://npfb.ru

14th place: NPF Gazfond. Profitability by year: 9.24% (2010), 0.93% (2011), 7.73% (2012). NPF Gazfond is the fifth among NPFs in terms of the amount of pension savings. Website - http://gazfond.ru/

13th place: NPF VTB Pension Fund. Profitability by year: 9.23% (2010), 0.48% (2011), 8.68% (2012). NPF VTB Pension Fund ranks sixth among NPFs in terms of pension savings. Website - http://www.vtbnpf.ru/

12th place: NPF SberFond RESO. Profitability by year: 7.24% (2010), 4.66% (2011), 6.82% (2012). NPF SberFond RESO is the 16th among NPFs in terms of the amount of pension savings. Website - http://sbrfreso.ru/

11th place: NPF Socium. Profitability by year: 9.59% (2010), 1.43% (2011), 8.17% (2012). NPF Socium is the 17th among NPFs in terms of the amount of pension savings. Website - http://www.npfsocium.ru/

10th place: NPF StalFond. Profitability by year: 11.00% (2010), 2.37% (2011), 6.01% (2012). NPF StalFond is 11th among NPFs in terms of the amount of pension savings. Website - http://www.stalfond.ru/

9th place: NPF Regionfond. Profitability by year: 10.50% (2010), 1.81% (2011), 7.13% (2012). NPF Regionfond ranks 20th among NPFs in terms of the amount of pension savings. Website - http://www.regionfund.ru/

8th place: NPF Khanty-Mansiysk. Profitability by year: 10.81% (2010), 2.17% (2011), 6.80% (2012). This non-state pension fund is the 18th among NPFs in terms of the amount of pension savings. Website - http://www.hmnpf.ru/

7th place: NPF LUKOIL-GARANT - the largest NPF in terms of the amount of pension savings. Profitability by year: 10.55% (2010), 1.99% (2011), 7.57% (2012). Website - http://www.lukoil-garant.ru/

6th place: NPF National... Profitability by year: 10.34% (2010), 2.88% (2011), 7.02% (2012). This non-state pension fund is the 15th among NPFs in terms of the amount of pension savings. Website - http://www.nnpf.ru/

5th place: NPF of the electric power industry. Profitability by year: 10.51% (2010), 2.01% (2011), 7.75% (2012). This non-state pension fund is the fourth among NPFs in terms of the amount of pension savings. Website - http://www.npfe.ru/

4th place: NPF Bolshoi. Profitability by year: 9.90% (2010), 2.82% (2011), 7.67% (2012). This non-state pension fund is the 13th among NPFs in terms of the amount of pension savings. Website - http://www.bigpension.ru/

3rd place: NPF Renaissance Life and Pensions. Profitability by year: 11.85% (2010), 1.36% (2011), 7.68% (2012). This non-state pension fund is the 12th among NPFs in terms of the amount of pension savings. Website - http://npf-renlife.ru/

2nd place: NPF RGS. Profitability by year: 11.35% (2010), 3.02% (2011), 7.99% (2012). This non-state pension fund is the seventh among NPFs in terms of the amount of pension savings. Website - http://www.npfrgs.ru/

1st place: NPF European Pension Fund. This NPF takes only 19th place in terms of the amount of pension savings, but it is in first place in the ranking of average profitability over the past 3 years: 27.10% in 2010, 6.70% in 2011 and 6.62% in 2012 year. The main shareholder of the European Pension Fund with a 30% share in the holding's capital is the European Bank for Reconstruction and Development (EBRD). European Pension Fund website - http://www.europf.com/

7 8 9 10 Stable profitability

Private pension funds can help you accumulate a nice amount of money for retirement. They allow you to transfer potential savings into trust. Due to this, you can get a certain profitability, as a pleasant addition to future payments. Unfortunately, the profitability of NPFs is unstable. In one year it can reach 20%, in another it can drop to zero. So it is worth tracking the dynamics of profitability at least for the last three to four years. Ideally, for the entire time of work.

It is important that the NPF has been working on the market for a long time. After all, only the best were able to "live" to this day. So, out of 270 funds in 1998, only about 60 survived by 2018. So age is one of the main indicators of reliability. Good NPF just have to be reliable. And the longer he works and the better the professionals speak about him, the higher the chances that pension savings will not go down the drain. Our rating of the reliability of non-state pension funds was compiled not only on the basis of feedback from real clients, but also on the opinion of professional rating agencies and the Central Bank, as well as taking into account the real benefits of NPFs.

TOP-10 best NPF

In addition to the reliability of a non-state pension fund, it is important to pay attention to some other indicators. We have given in the table some of the necessary parameters to make it easier for you to compare and choose the most suitable option for you.

	Accumulated profitability over 5 years	Year of creation	Founders
			Gazprom
Sberbank			Sberbank
Lukoil Garant			Lukoil
Agreement			Concern "Rossium", IC "Region"
Neftegarant			Rosneft, IC Neftepolis
Surgutneftegaz			Surgutneftegaz
VTB Pension Fund			VTB Group
Diamond Autumn			Alrosa, Profalmaz, Derzhava Bank
National NPF			Tatneft, Bank Zenit
			United Capital CJSC, Tander JSC

But all the most interesting is described separately in the review of each NPF. So for the details - just below.

10 Magnet

Stable profitability
5-Year Return: 36.5%
Rating (2019): 4.2

The rating of the most reliable and stable pension funds of NPFs of the chain of stores of the same name opens, showing good, albeit imperfect, results in the pension fund market. Formerly known as Christian Pension Fund Virtue, it was renamed Magnit to maintain the brand. For 2017, the profitability, unfortunately, is not encouraging - only 3.18%. However, over the past years it has been stable, so that NPFs still have a chance to improve and return to normal income.

In the reviews, clients note that the main clientele of NPFs are employees of the Magnit store chain. However, anyone can become a depositor - now more than 220 thousand people are clients for compulsory insurance. And many praise the good governance and stability of the fund. In general, we can say that this NPF is trustworthy. But you shouldn't expect sky-high returns.

9 National NPF

The best suite of retirement plans
5-Year Return: 33.1%
Rating (2019): 4.3

Regional pension fund, mostly known in Tatarstan. Outside it, it is also capable of providing excellent results, so it should not be written off from the accounts. A number of experts define the reliability of NPFs at a very high level. You can definitely trust the organization. For 2017, the organization has a good return of 9.81%. True, over the past five years, the accumulated profitability is not encouraging - only 33.1%, which is not the highest value in the rating. High profits may be unstable, but the NPF does not fail beyond zero. But this is offset by the high usability of the fund.

Pleased with the abundance of pension programs - there are eight of them. And some of them are aimed not only at the depositor, but also at his family. For example, the Care program allows you to take care of another person's pension. And "Family" will provide an excellent pension for both spouses, even if only one worked. There are separate programs for different segments of the population with different needs and desires. So anyone can choose the best one for themselves.

8 Diamond Autumn

Best return over the past year
5-Year Return: 37.1%
Rating (2019): 4.4

This pension fund is recognized as reliable by leading agencies with few flaws. It is considered the largest private pension fund in the Far East. It was originally intended for workers in diamond mining enterprises, but decided to go further and grow a clientele among other citizens. Today, 24 thousand people participate in the program, and among them more than 20 thousand pensioners are already receiving the money they deserve. Reliability is confirmed not only by ratings and reviews - Almaznaya Osen serves the administration of Mirny.

According to the Central Bank, it has an excellent rate of return for 2017 - 11.16%. But on average over the past years, it is noticeably less - over 5 years, only 37.1% have run up. We can talk about stable profitability, but not too high compared to other NPFs. The management is carried out by such companies as Kapital and VTB Capital Asset Management ”, and the investment policy is prudent. NPF invests most of all in state assets and banks, which makes it possible to manage money more accurately.

7 VTB Pension Fund

Own funds management
5-Year Return: 36.4%
Rating (2019): 4.5

The youngest NPF was born in 2007, which has already earned the trust of not only citizens, but also rating agencies (the highest rating is assigned). It is on a par with the best "veterans" of the market and pleases customers with good profitability. The founder is a bank with state participation from the TOP-10 of the most reliable, so there is no doubt about the safety of pension funds. VTB Group includes more than 20 companies operating in different countries the world. According to VTB itself, which collects reviews and feedback, almost 90% of customers are satisfied with the work of the service and managers.

The pension fund had a good return in 2017 - 9.02%. In general, over the years of work, it has always been positive - the NPF has never failed in the red. Today the fund serves more than 2 million people. The Foundation uses its own management company, part of the group - "VTB Capital Asset Management". So money, in fact, does not leave the network of companies of the same owner, which provides additional reliability.

6 Surgutneftegaz

Best peak profitability ever
5-Year Return: 48.6%
Rating (2019): 4.5

Surgutneftegaz is focused mainly on the northern regions of Russia. However, nothing prevents residents of other areas from concluding contracts. Among the founders is OJSC “Surgutneftegas”, which is responsible for the work of NPFs with its own reputation. In addition, experts assign a very high reliability rating to an organization, so there is no need to fear deception. Pension savings are not going anywhere.

NPF has good, though not very stable, annual profitability. Pension insurance was included in the list of duties of Surgutneftegas in 2009, and at the same time it issued a phenomenal yield of 43.55%. From that moment on, its level ranged from 0.28 to 12.94%. In 2017, the yield was 8.74%. Competent management of the leading management companies (Region, Kapital and Gazprombank Asset Management) will allow you to get a good increase in your pension in the future.

5 Neftegarant

Better and safer control
5-Year Return: 51.8%
Rating (2019): 4.6

NPF closely associated with oil industry... One of the founders is the Rosneft company, 50% of which is owned by the state-owned company Rosneftegaz, and for the sake of its image, it will not allow its pension fund to work unsatisfactorily. Shows an excellent level of accumulated profitability in recent years. In 2017, he was able to throw 8.13% into the accounts of pensioners, which is a very good indicator. NPF strives to invest contributions received from depositors with minimal risks, which ensures stability.

According to the organization, now more than 150 thousand people are in NPF, and more than 80 thousand of them are already receiving a pension. Together with the highest reliability indicators from rating agencies, this gives reason to trust the organization. Savings are managed the best companies- for example, "Region", which is used by many private pension funds. Consequently, a stable income is provided by professionals, so that you can get a good increase in your pension. For all the years of work, it fell below 8% only three times.

4 Consent-OPS

Best customer service
5-Year Return: 55.58%
Rating (2019): 4.7

Not the most famous NPF, which is able to provide good profitability and excellent conditions. Soglasie-OPS occupies a high position in the rating of the best according to the Central Bank of the Russian Federation - until 2017 it had the highest accumulated profitability in the market - more than 60%. Now it has slightly decreased, but this did not greatly affect payments. In 2017, the profitability was 8.31%, and more than 1.1 million people became serviced in the fund.

Soglasie-OPS tries to work actively with clients, and not only with their money. Agents are competent and have enough knowledge not only about the work of NPFs, but also about the field as a whole. I am pleased with a large number of positive reviews from customers, in which they emphasize high quality service and good profitability. Also, the NPF has a certain practice of assistance in processing payments, so it is much easier for clients to get what they owe. Online support is also ready to answer all questions and solve emerging problems. In general, it is worth noting the high level of customer service.

3 Lukoil Garant

Best partner network
5-Year Return: 47.5%
Rating (2019): 4.8

Reliable and convenient NPF. The founders are the oil company Lukoil. Included in the TOP-5 largest NPFs at the end of 2017, serving almost 8 million people. The organization has a functional website through which you can do literally everything - from registration and deductions to updating information. NPF has a truly impressive network of partners - among them Alfa-Bank, Renaissance Credit, UBRD, Promsvyazbank and several other major institutions. This provides a wide coverage of the territory - you can conclude an agreement anywhere, if it is more convenient to do it personally.

Unfortunately, Last year Lukoil Garant did not work out - the profitability in 2017 fell to -5.26%. But in 2016, the return was 8.23%. The achievements of previous years give hope that the institution will improve. In the reviews, clients emphasize that the NPF is really reliable, and does not cause complaints in its work. All problems and questions are resolved quickly. And the trust of the leading rating agencies, which assign the highest level of reliability to the fund, confirms the safety of investments.

2 Sberbank

The largest NPF
5-Year Return: 53.4%
Rating (2019): 4.9

The largest non-state pension fund in the country. The owner is only Sberbank, there are no other founders and shareholders. This confirms the reliability - as long as Sberbank is alive, its NPF will also live. Therefore, nothing will happen to pension savings. The leading rating agencies also rated Sberbank's NPF as the most stable and reliable one. Subsidiary Sberbank has taken over from the "parent" almost everything that is most convenient - accessibility to a wide range of the population both financially (the entry threshold is only 1,500 rubles) and territorially (there are branches in every city), reliability and convenience.

As a rule, the profitability of the Sberbank NPF provides quite stable income and the fight against inflation. For example, in 2017, the increase was 8.34%. The fund invests only in reliable securities of various industries. Conveniently, the Sberbank NPF makes it possible to return the social tax deduction 13% from deductions. In the reviews, one can often find positive comments from clients - mainly about the convenience and benefits of using the fund. Among the shortcomings that clients note is bureaucracy. On the other hand, the benefits are worth it, and you don't need to withdraw your pension savings every day.

1 Gazfond

Best Cumulative Return in 5 Years
5-Year Return: 57.14%
Rating (2019): 4.9

Partially state-owned NPF (the main founder is Gazprom, more than 50% of whose shares are owned by the state), which will competently take care of the money of future retirees. The fund was assigned the highest level of reliability. In addition, it has a fairly high return for 2017 - up to 9.91%. Since Gazfond is trying to invest only in highly liquid securities from the leading sectors of the economy, a fall in the red should definitely not be expected.

Conveniently, there are several retirement plans to choose from. Their conditions differ in terms of payment, a specific amount, and so on. I am glad that you can set not only the amount of deductions, but also the amount of the desired pension per month. A handy calculator allows you to calculate monthly, quarterly, yearly and even one-time payments. Unfortunately, in some regions, unscrupulous employees may resort to not the most honest ways of attracting customers - for example, rounds of apartments and persistent persuasion. Judging by the reviews, this slightly tarnished the reputation of the Gas Fund. But the profitability and benefits from this did not fall, so the fund can be entrusted with funds.

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