Choosing a non-state pension fund to which you can entrust your savings for retirement is not an easy task. Of course, you can act conservatively and either not choose any NPF at all, trusting money state fund, or choose a completely reliable semi-state NPF like the NPF of Sberbank, where the profitability is not so high, but there is almost complete certainty that the fund will not disappear anywhere. And although with the so-called freeze pension savings Russians, this question has become much less relevant, after all, to understand the situation on the NPF market and be able to navigate in non-state funds need to. Authoritative ratings, compiled, among other things, according to the data of the main regulator - the Central Bank of the Russian Federation, help to better understand the effectiveness of the work of NPFs and their reliability. Let's get acquainted with the ratings of NPFs of Russia in 2017-2018 in terms of reliability and profitability, based on the statistics of the Central Bank of Russia and the conclusions of independent experts.
NPFs of Russia: rating of the best funds by profitability in 2017-2018
NPFs of Russia: rating of the best funds in terms of reliability in 2017-2018
Of course, in things like accumulation pension funds, no less (if not more) important is the reliability rating of funds. Retirement money has been accumulating for decades, and I want to understand that the NPF, in which funds are invested, is quite reliable and will not disappear at some point.
Actually the Russian regulator, Central bank, does not compile such ratings, but there is a rating from the RAEX agency (“Expert RA”), which is considered quite authoritative and is not only recognized, but also recommended for use by the Central Bank of the Russian Federation itself.
As of the end of 2017 - beginning of 2018, this ranking is as follows:
| № | Company | Rating | Forecast |
|---|---|---|---|
| 1-7 | Neftegarant | ruAAA | Stable |
| NPF "Welfare EMENSI" | ruAAA | Stable | |
| NPF Gazfond pension savings | ruAAA | Stable | |
| Gazfond | ruAAA | Stable | |
| NPF VTB Pension fund | ruAAA | Stable | |
| NPF Sberbank | ruAAA | Stable | |
| NPF Welfare | ruAAA | Stable | |
| 8 | JSC "NPF "Neftegarant" | ruAA+ | Stable |
| 9-13 | diamond autumn | ruAA | Stable |
| Atomgarant | ruAA | Stable | |
| JSC NPF Surgutneftegaz | ruAA | Stable | |
| NPF "Alliance" | ruAA | Stable | |
| National NPF | ruAA | Stable | |
| 14-15 | Big | ruAA- | Positive |
| NPF "Socium" | ruAA- | Stable | |
| 16 | JSC NPF Soglasie-OPS | ruA+ | Stable |
| 17 | NPF "First Industrial Alliance" | ruA | Stable |
| 18-20 | Vladimir | ruA- | Stable |
| Khanty-Mansiysk NPF | ruA- | Stable | |
| NPF "Safmar" | ruA- | Stable | |
| 21 | NPF RGS | ruBBB+ | Stable |
| 22 | Confidence | ruBBB- | Stable |
| 23 | NPF "UMMC-Perspektiva" | withdrawn | – |
The NPFs in the table are grouped according to the national rating calculated in a certain way, and the reliability of funds with the same rating is approximately the same, therefore, say, the first seven NPFs in the table have the same high reliability, regardless of how the funds within this seven are located in the table. You can follow the current status of this rating
In the first half of 2017, more than half of the funds managing citizens' pension savings showed a yield lower than that of VEB. The reason was the fall Russian shares
Photo: Ekaterina Kuzmina / RBC
According to the results of the first half of 2017, twenty NPFs managing pension savings showed a yield below VEB, that is, below 8.8%, according to statistics published on the website of the Central Bank. These funds manage 1.67 trillion rubles. of 2.3 trillion rubles in pension savings managed by private pension funds. In total, according to the Central Bank, pension funds managing pension savings - 38.
Among the funds that showed a return below VEB in the first half of the year, there are such large funds as NPF Gazfond pension savings (430 billion rubles in pension savings, a yield of 2.9%), NPF Future (303 billion rubles, a yield of 3.9%), NPF LUKOIL-Garant (260 billion rubles, 3.3% yield), NPF Safmar (193 billion rubles, 3.4% yield), NPF RGS (182 billion rubles, 8.5% yield.
The leader in terms of profitability of pension savings among large pension funds (more than 100 billion rubles of savings) in the second quarter was NPF VTB - 10.5%, the outsider - NPF Gazfond with a yield of 2.9%.
As for pension reserves, in the second quarter, seven funds showed negative returns in this part of the business, among which there is such a large NPF in terms of reserves as NPF Gazfond (372 billion rubles in reserves, minus 1.1%).
The reason for the low profitability of funds lies in the fact that a number of funds entered 2017 with a significant share of shares and, in fact, this year in the first quarter they lost quite a lot in profitability due to a fall in the market, says Expert RA Corporate Ratings Managing Director » Pavel Mitrofanov. Evgeniy Biezbardis, head of the ANPF analytical service, says that the current situation only illustrates an intermediate investment result and may seriously change by the end of December.
According to Alexander Losev, General Director of Sputnik Capital Management Management JSC, the problem is that the state of the stock market reflects more geopolitical tensions than financial results Russian companies. It should also be taken into account that 70% of trading volumes on the stock market in terms of shares in Russia fall on foreign investors, and not on national ones, Losev clarifies. "As a result Russian investors against the backdrop of the same sanctions, they cannot support the market, which will be in this state until positive news appears, ”says Losev.
It would be unprofitable for funds to sell shares now, because the dividend yield is comparable to the yield on bonds and deposits, and in some cases may exceed them, says Losev.
However, in general, the profitability of pension savings will be lower this year compared to last year and will amount to 8-10% against 10-12% in 2016, says Yuri Nogin, director of the ACRA Financial Institutions Ratings Group. The reason for this is sanctions and a decrease in yields on bonds and deposits, Nogin explains.
“For the time being, it is not worth reacting to these indicators as final ones: the funds have another six months to rehabilitate the picture,” Mitrofanov believes. “Agents are likely to start “selling” the low profitability of pension funds in the third quarter as a factor in changing the insurer.” However, Nogin notes that the half-year result is an intermediate result and should not be taken by clients as a signal to change the insurer.
Meanwhile, funds with low yields in the first half remain optimistic. CEO NPF "Future" Nikolai Sidorov says that the fund will not make decisions about the portfolio of savings, based on indicators for short-term periods - for six months. The fund will be able to show the effectiveness of the manager in the long term - from five years, says Sidorov. According to the Central Bank, NPF "Welfare OPS" (in 2015 in the NPF "Future") at the end of 2014 showed a yield of 1.5%, at the end of 2015 - 5.6%, at the end of 2016 - 4%. Meanwhile, VEB yielded 2.68% in 2014, 13.15% in 2015, and 10.53% in 2016.
As the press service of NPF "Safmar" said, shares in the fund's portfolio account for 30% of the total pension savings. “Following the results of the first half of the year, the fund managed to record a positive result due to coupon payments on fixed income instruments - the bond portfolio is 70%,” the press service said.
The press service of NPF Electric Power Industry, which had a yield of 4.3% in the first half of the year, said that the fund did not adjust its investment strategy following the results of the first quarter, since "portfolio fluctuations are always compensated over a longer interval." “We expect the observed trends to continue and are generally positive about stock market in the face of declining interest rates," the fund said. In 2016, the fund showed a yield of 8.9%, in 2015 - 8.5%, in 2014 - 9%, in 2013 - 8.4%, according to the data of the Central Bank.
The rest of the funds with a yield below VEB did not respond to RBC's request.
When choosing a suitable pension fund for the formation of savings for old age, the question arises not only about the reliability of the organization, but also about its profitability. To assess how well this or that fund works, the profitability rating of NPFs of Russia, which is compiled on the basis of data from financial statements published on the official websites of companies.
Reliability rating of Russian NPFs
As of Q4 2017, there are 62 non-state pension funds operating in Russia. It is necessary to choose where to transfer the funded part of your pension, relying not only on data on the profitability of the fund, but also on its reliability.
You should pay attention to such parameters as:
- availability of a Central Bank license - it can be checked in the register of official NPFs on the Central Bank website at cbr.ru/finmarket/supervision/sv_coll, NPFs without a license or with expired do not have the right to accept funds from the public;
- whether the fund participates in the deposit insurance system in 2017 - if so, in the event of the bankruptcy of the NPF or the revocation of its license, the bank, the state will pay compensation to all clients of the fund in the amount of the invested funds (you can also see this information on the website of the Central Bank in the same section);
- term of work - the longer the fund operates, the more experience has been accumulated by its managers and the more resilient the organization is to crises;
- who is the founder of the NPF - it is better if the fund is part of a serious holding company with strong financial support: then it is not threatened with either bankruptcy or merger;
- the amount of funds under the management of the fund - the more of them, the better: it is no coincidence that at the top of the rating of NPFs of Russia in 2017 in terms of profitability are the largest NPFs that are able to diversify their funds quite widely and derive the greatest benefit from market collisions;
- fund management - managers and management should not be involved in any dubious affairs, and the fund itself should not be affiliated with unreliable companies, including offshore ones.
In addition, the reliability of the fund can be indirectly indicated by:
- openness and informativeness of its site;
- quality work of call center operators;
- number of NPF branches;
- staff qualifications.
It is clear that if the fund is aimed at long-term work, it will do its best to create a favorable impression of itself and maintain a positive image.
Despite the fact that investments in NPFs, which are included in the DIA, are highly reliable, it is worth paying attention to the criteria for resistance to crisis phenomena. Whatever place the fund occupies in the profitability rating of NPFs of Russia in 2017, after closing, its clients will receive only the funds that they personally deposited into their accounts, and the funded part will be transferred in full back to the PFR. The accumulated investment income will be canceled - and whatever the profit, it will be lost.
Assessment of NPFs by rating agencies
Another reliability criterion is the assessment of the fund by rating agencies. In Russia, the most authoritative are the National rating agency and Expert. They draw their conclusions on the basis of an analysis financial condition fund, his investment strategy, the number of contributors, expenses and other indicators. There are not so many NPFs that received the highest rating (A++ from the Expert and AAA from the NRA).
- Neftegarant;
- Gazfond;
- Welfare;
- Rosgosstrakh;
- Sberbank.
The funds VTB PF, Big Pension Fund, Vladimir, Atomgarant, Safmar, Surgutneftegaz, Almaznaya Osen also have the highest rating on the Expert RA scale, but do not participate in the NRA ranking.
Profitability of Russian NPFs in 2017
When analyzing the profitability of a fund, it is necessary to pay attention to the following features:
- return on mandatory programs pension insurance and on individual pension plans may differ, since funds form portfolios from different assets - it may turn out that the option with a non-state pension will be more profitable;
- analyze the profit of the fund should be in dynamics, calculating the average annual and accumulated income - this is the only way to get a true idea of profitability;
- when looking at the rating of Russian NPFs in terms of reliability and profitability, one should compare the fund’s return with the current inflation rate and the profit of Vnesheconombank, the Pension Fund’s management company: ideally, the profitability of the selected NPF should be higher than both indicators.
You can view the profitability of NPFs based on data submitted to the Central Bank on the page npf.investfunds.ru/ratings/9. The site shows the ranking of the most profitable funds since 2008. The only drawback of this ranking is the inconvenient presentation of information.
Therefore, the rating of NPFs of Russia in 2017 in terms of profitability is given below in tabular form. In order to show the dynamics of profit growth of individual funds, the ranking includes data for the last 5 years - from 2012 to 2016. The table shows only the 15 most profitable funds. For reference purposes, the profitability of Vnesheconombank and the annual inflation rate are indicated.
| Fund | Year | ||||
| 2012 | 2013 | 2014 | 2015 | 2016 | |
| Uralsib | 9,15% | 8,38% | 4,39% | 10,69% | 14,7% |
| Promagrofund | 3,52% | 4,47% | 1,39% | 16,34% | 13,58% |
| Gazfond | 9,17% | 7,23% | 2,85% | 13,92% | 13,16% |
| KIT Finance | 5,44% | 7,91% | 2,78% | 14,5% | 12,92% |
| diamond autumn | 7,05% | 5,03% | 2,02% | 13,59% | 12,62% |
| OPF them. V.V. Livanova | 6,13% | 7,51% | 6,48% | 13,06% | 12,31% |
| First Industrial Alliance | 8,35% | 8,68% | 2,72% | 13,34% | 12,22% |
| Hephaestus | 6,62% | 7,37% | 0,62% | 16,65% | 11,95% |
| Rosgosstrakh | 6,06% | 6,22% | 7,54% | 9,56% | 11,77% |
| Surgutneftegaz | 6,39% | 7,59% | 0,25% | 12,94% | 11,61% |
| Aquilon | 3,98% | 5,27% | 6,69% | 8,4% | 11,51% |
| National | 5,51% | 4,94% | 1,65% | 11,9% | 11,48% |
| Volga Capital | 7,35% | 8,96% | 7,59% | 11,69% | 11,31% |
| Heritage | 7,37% | 6,55% | -0,3% | 16,93% | 11,26% |
| Magnet | 8,84% | 13,3% | 0,86% | 7,74% | 10,88% |
| VEB | 9,21% | 6,71% | 2,8% | 13,15% | 10,58% |
| Inflation | 6,58% | 6,45% | 11,36% | 12,91% | 5,4% |
If we talk about the average annual profit of funds, then the profitability rating of Russian NPFs will look like this (data taken for the last 5 years):
- Uralsib - 9.46%;
- Volga Capital - 9.38%;
- Gazfond - 9.26%;
- OPF them. Livanov - 9.09%;
- First Industrial Alliance - 9.06%%
- KIT Finance - 8.71%;
- Hephaestus - 8.64%;
- Heritage - 8.36%;
- Magnet - 8.32%;
- Rosgosstrakh - 8.23%.
The average profitability of Vnesheconombank over the past 5 years was 8.49%, while inflation growth was 8.54% per year.
Conclusion
Thus, the profitability rating of Russian NPFs based on the results recent years steadily occupied by funds with the largest volume of investments, a large number of clients and good financial support of the founders. At the same time, only 7 funds outstripped inflation and the profitability of the PFR itself (investments are made through Vnesheconombank). When choosing a fund, you need to pay attention not only to the potential profit, but also to the reliability of the organization. It is better if the funds are insured in the DIA - in this case, you can count on a return on investment in the event of a license revocation or the ruin of an NPF.
According to the statistics of the Bank of Russia, the past year was rather favorable for NPFs. The official rating of NPFs of Russia 2017 in terms of reliability and profitability according to the data of the Central Bank of Russia, published on the website of the Central Bank of the Russian Federation, after a decline in autumn-winter 2015, there is a slight but steady increase in pension savings in non-state pension funds of the Russian Federation.
However rating of NPF "Samfar" showed the most powerful growth of savings- last year they increased by 6 times. This allowed the fund to make a sharp jump up 11 steps and take the sixth position in the ranking. No wonder that the number of Samfar's clients has also increased by more than 10 times. The reason for this strong growth is the consolidation of the pension funds of the Bin group.
In general, NPFs demonstrate positive dynamics - three more NPFs (Consent, Doverie and Surgutneftegaz) have more than doubled their savings.
NPF profitability rating 2017
| Rating | Name of NPF | Profitability since the beginning of the year (% per annum) | Fund property (thousand rubles) | Capital and reserves (thousand rubles) | Number of insured persons |
|---|---|---|---|---|---|
| 1 | CJSC "KITFinance non-state pension fund" | 12.26 | 121749816 | 8604921 | 2203529 |
| 2 | OAO NPF GAZFOND pension savings | 12.21 | 181150751 | 9414120 | 1468673 |
| 3 | CJSC NPF Nasledie | 12.2 | 70909207 | 5240782 | 791388 |
| 4 | CJSC NPF Promagrofond | 12.19 | 87638375 | 7900901 | 1784601 |
| 5 | JSC NPF Almaznaya Osen | 11.26 | 19315536 | 1464355 | 34263 |
| 6 | JSC NPF Atomfond | 10.48 | 6366875 | 363909 | 53664 |
| 7 | JSC NPF Sotsium | 10.23 | 16869564 | 1017790 | 239629 |
| 8 | JSC National Non-State Pension Fund | 10.13 | 32888130 | 4380178 | 280404 |
| 9 | JSC NPF "UMMC-Perspektiva" | 10.1 | 10221054 | 1230434 | 74842 |
| 10 | JSC NPF VTB Pension Fund | 10.08 | 140169776 | 6457089 | 1543012 |
| 11 | JSC NPF Sberbank | 9.95 | 468241144 | 20340270 | 6828053 |
| 12 | JSC NPF of the Defense Industrial Complex | 9.55 | 1942356 | 226879 | 13227 |
| 13 | JSC NPF Volga-Capital | 9.52 | 5752254 | 323557 | 67082 |
| 14 | JSC NPF "Alliance" | 9.47 | 3548242 | 353390 | 2452 |
| 15 | JSC Interregional NPF "BOLSHOY" | 9.04 | 37113495 | 2134300 | 409941 |
| 16 | CJSC "Orenburg NPF "Doverie" | 8.99 | 5968798 | 423299 | 108789 |
| 17 | JSC NPF NEFTEGARANT | 8.96 | 7255935 | 652004 | 65152 |
| 18 | JSC NPF "Vladimir" | 8.52 | 5575015 | 810900 | 18373 |
| 19 | JSC "Interregional NPF "AKVILON" | 8.47 | 2072889 | 360018 | 12005 |
| 20 | JSC NPF First Industrial Alliance | 8.46 | 6069852 | 712346 | 32509 |
| 21 | JSC NPF Stroykompleks | 8.25 | 4323648 | 537469 | 42573 |
| 22 | JSC "Khanty-Mansiysk Non-State Pension Fund" | 8.14 | 30234260 | 936782 | 128421 |
| 23 | JSC NPF Surgutneftegaz | 8.05 | 32781595 | 11408340 | 36106 |
| 24 | JSC NPF Social Development | 7.93 | 10443519 | 984294 | 89978 |
| 25 | OJSC NPF RGS | 7.29 | 198893355 | 13550119 | 3162840 |
| 26 | JSC "NPF" Defense Industrial Fund named after V.V. Livanov" | 7.27 | 6899086 | 306307 | 58561 |
| 27 | JSC NPF "Rostvertol" | 6.63 | 2117831 | 248302 | 9812 |
| 28 | JSC NPF AVTOVAZ | 6.01 | 2485698 | 294277 | 7617 |
| 29 | JSC NPF Doverie | 5.93 | 98628101 | 2543386 | 1962949 |
| 30 | JSC NPF Soglasie | 5.75 | 72856577 | 2152714 | 1143020 |
| 31 | JSC NPF FEDERATION | 4.79 | 1852213 | 179330 | 30460 |
| 32 | JSC "Non-State Pension Fund "Transneft" | 4.44 | 89546597 | 11602555 | 50824 |
| 33 | NPF "Professional" (JSC) | 3.96 | 5870258 | 3012297 | 8935 |
| 34 | JSC NPF Telecom-Soyuz | 3.69 | 34428076 | 11014272 | 17485 |
| 35 | JSC "NPF "Obrazovanie" | 2.47 | 6048737 | 473003 | 109119 |
| 36 | JSC NPF Magnit | 1.24 | 12772816 | 623159 | 222093 |
| 37 | JSC NPF Gefest | 1.14 | 3362079 | 278690 | 32266 |
| 38 | NPF "GAZFOND" | 0 | 406362700 | 0 | 0 |
| 39 | NPO "NPF "BLAGOSOSTOYANIE" | 0 | 348785231 | 0 | 0 |
| 40 | NPF "NEFTEGARANT" | 0 | 50268144 | 0 | 0 |
| 41 | NPO "NPF "LUKOIL-GARANT" | 0 | 27788059 | 0 | 0 |
| 42 | NPF "SURGUTNEFTEGAZ" | 0 | 20274249 | 0 | 0 |
| 43 | NPF "WELFARE EMENSY" | 0 | 12592072 | 0 | 0 |
| 44 | NPO NPF Atomgarant | 0 | 10639946 | 0 | 0 |
| 45 | NPF "Gazprombank-Fund" | 0 | 9028388 | 0 | 0 |
| 46 | JSC NPF Vnesheconomfond | 0 | 3799716 | 611679 | 0 |
| 47 | JSC NPF VNIIEF-GARANT | 0 | 3505050 | 503414 | 0 |
| 48 | JSC NPF SAFMAR | -2.2 | 201303967 | 8363374 | 2270915 |
| 49 | JSC "NPF "FUTURE" | -2.93 | 295774586 | 2270125 | 4445180 |
| 50 | JSC NPF LUKOIL-GARANT | -4.72 | 283952857 | 9092892 | 3507809 |
| 51 | JSC NPF Electric Power Industry | -5.41 | 141332676 | 8009371 | 1059902 |
However, “largest” does not mean “most profitable”. CJSC KITFinance Non-State Pension Fund became the most profitable for clients (12.29%), then three follow: (“NPF GAZFOND pension savings”, “Heritage”, “Promagrofond”) with a yield of 12.21% to 12.19%.
It is gratifying that a fairly large number of NPFs received more income than inflation ate (for 6 months of 2017 it amounted to 2.3%). And the profitability of some NPFs turned out to be less than inflation.
Level of trust in NPFs, NAFI survey
Percentage of respondents who answered “completely trust” and “rather trust” to the question “How much do you trust non-state pension funds?”.The NAFI initiative all-Russian survey was conducted in July 2017. 1600 people were surveyed in 140 settlements in 42 regions of Russia. Age: 18 years and older. The statistical error does not exceed 3.4%.
| 2012 | 2013 | 2014 | 04.2015 | 11.2015 | 07.2016 | 07.2017 |
|---|---|---|---|---|---|---|
| 19% | 19% | 19% | 19% | 22% | 24% | 15% |
In general, in 2017, the majority of NPFs in Russia showed that they are able to manage pension deposits. Despite the devaluation of the ruble, the profitability of most of them is higher than the inflation rate. And which NPF is the best - reliable or profitable - it's up to you.
Now more and more people are thinking about investing in NPFs. The rating of the top 5 funds in 2017 will help you understand which institution is more profitable and safer to invest money in.
NPF is a special organizational and legal form for non-profit organizations responsible for social Security(besides). There are several laws governing the activities of such funds.
- This is the Federal Law, issued in December 2001 No. 167-FZ.
- In addition, an important basis for the implementation of activities provides Civil Code RF, .
- Specifically, the activities of non-state pension funds are described by law No. 75 FZ.
- Finally, savings accounts (for) are maintained in accordance with the law number 27-FZ "On individual (personalized) accounting in the system of compulsory pension insurance".
How do NPFs work?
Such an organization is practically no different from state structures. That is, you can do:
- Payment of pensions.
- Accounting Money.
- Investing in shares and stocks (like and), bonds (for example,) with a minimum.
- Accumulation of capital to make payments after this point.
Commercial pension funds may fall into one of the following groups.
- Open or universal. They are not related to any financial and industrial groups. Savings of depositors make up the bulk of the assets.
- Territorial. With the support of local authorities, they operate only on the territory of a single region.
- Corporate. Can work with programs of founders. The percentage of savings is growing.
- Captive. They also work with founders' programs.
Best NPFs in 2015-2016
Company founded in 1994. It ranks first in the rankings for a number of reasons.
- It occupies about 14 percent of the market, serves up to three million three hundred thousand people.
- Has savings in the amount of 149,289,065,000 rubles.
- No claims for participation in financial fraud for a long period of work.
- Received many awards
The site has a calculator that allows you to estimate future savings.
One of the most stable and reliable NPFs in Russia. As evidenced by the high A++ rating. It occupies one of the leading positions in terms of average annual profitability, which is equal to 11.5-12 percent.
Another advantage of the fund is the opportunity for clients to get access to the calculation not only with the structure of placement of pension savings, but also investment instruments to increase the level of profitability.
Pension reserves now exceed the amount of pension savings, more than three times. And the profitability of the savings themselves consistently exceeds the rate of inflation.
The leader of the list with an average annual yield of up to 14 percent.
Clients receive the following benefits:
- Long and successful experience in the market.
- Individual investment program for each client.
- Individual approach with European service standards.
The Central Bank of Russia fully controls the activities of this NPF, which allows it to receive high rating A++.
NPF with a high level of reliability in A ++. More than a million clients were satisfied with the services of this fund. What characterizes his work in the best way.
On issues of placement of pension savings, the organization conducts strict accountability in front of your clients. 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 in terms of reliability among organizations that have received a license. Serves over two million customers. The total amount of savings reaches 72,281,723 rubles. It is active throughout the country.
About drawing up an evaluation scale
No need to create separate classification for parameters such as the number of customers or profitability. But there is also an abstract concept of "reliability".
- A++. This is a high level of reliability. Indicates that in case of any market fluctuations, successful cooperation is guaranteed.
- A+. A very high level designation.
- A is simply a high level indicator.
- B++ - this level is considered to be satisfactory.
- B+ - the indicator is not very high. Most likely, problems will arise if you need to pay a significant amount of money.
- B- reliability is low.
- C++ - for extreme low level reliability. There is a possibility of revocation of the license, failure of the fund to fulfill its obligations.
- C+ - this level is unsatisfactory. Such foundations quickly lose their licenses.
- C- there are situations when the NPF has not fulfilled its obligations.
- D- for bankrupt companies.
- E - the license has already been revoked, the organization itself has been declared bankrupt or liquidated.
How to become a client of a non-state pension fund?
For this, an agreement is concluded with the NPF. But before its conclusion, the visitor will have to choose a scheme not only for payments, but also for depositing funds into the account. IN without fail need to decide on:
- Rules for termination of the contract, amendments.
- The payment of the state pension itself.
- The type of payout when the client reaches retirement age.
- Pension scheme and its components.
- The amount of money, the time of their deposit into the account.
A personal account is opened for the depositor when the agreement becomes valid. A solidarity account is opened if the contract has been concluded by the employer. To conclude a contract, you need a very small package of documents:
- Pensioner's ID.
- Insurance certificate.
- Passport, its first and second pages (if the document is overdue, you will have to pay).
The Fund independently manages the money that is deposited into the account. Most treaties provide for a minimum level of income guaranteed to every citizen.
The Fund must compensate for the losses due to own funds even if their investment does not pay off. This means that customers get their money back, in any case.
The contributor can choose two options for payments upon reaching retirement age:
- The whole amount at once.
- Installments that are paid every month.
At the same time, such payments imply the presence of a 13 percent tax. They are subject to income earned by the fund for the entire time the contract was in effect.
Information about savings and termination of the contract
Any client has the right to terminate the agreement earlier than the period specified in it, if the NPF is not satisfied for some reason. But each NPF has its own requirements in such situations.
Change management company in the form of NPF it is possible once a year, this right is reserved for all citizens of the Russian Federation. But such a decision can be made no more than once a year.
If less time has passed since the date of the contract, you will have to wait. Or you need to write a statement in which the client indicates why he decided to apply to another fund.
To find out the size of their savings, the client must contact the representatives of the NPF itself, indicating their individual data.
Information can also be obtained via the Internet if there is no time or desire to personally visit the office of the NPF.
It is enough to register on the official website, having received a personal account.
A letter with individual data and calculations comes to email. During a personal visit to a non-state pension fund, information is given to those who provide a passport and an agreement.
Choosing a non-state pension fund