Beneficial non-state pension funds. Which NPF is better to choose? What criteria should you use to choose a fund?

For 17 years now, part of your future pension has been managed by management companies and non-state pension funds.

Alexey Kashnikov

worked in NPF, sued NPF

Their work determines how much the amount of savings will increase and what the pension will be. To influence your pension, you can choose who manages your contributions. For this purpose there are private management companies and non-state pension funds.

I worked as an agent for non-state pension funds for five years and transferred my savings to different funds several times. I’ll tell you what to pay attention to if you decide to choose or change NPF.

What was the author smoking?

Editorial T-J made every effort to make the system mandatory pension insurance understandable to the reader. But some nuances of the pension system are difficult to present briefly and clearly. Pension reforms are carried out almost every year and confuse even specialists.

Once, while working at a non-state pension fund, I was unable to figure out another pension law. I went to my local pension fund office and asked the staff to explain some details. They laughed in my face: “We don’t understand this ourselves! It will be visible there..."

Therefore, I warn you: you need to tighten up in places.

It also cannot be said that smoking is harmful to health and limits your social circle, which has a detrimental effect on your career. Contact a non-state pension fund to manage your pension, and see a doctor to quit smoking.

Materiel

In the last century, our country had a distribution pension system: contributions were taken from workers and divided among pensioners. Everything was fine as long as many people worked and there were several able-bodied people per retiree. Statistics show that in 1970 there were 2.5 workers per retiree.

By the beginning of the 2000s, this ratio had changed. In 2005, the ratio of workers to retirees was 1.7:1. Now the ratio is 1.12:1. And in 2025 it will be 1.04:1. That is, approximately the same number of people will work as receive pensions. Understanding what awaits us, the state organized pension reform.

One solution to the problem is in the distribution and storage system. Contributions are still taken from workers, but now this amount is divided into two parts. One part is distributed among current pensioners, and the other part is retained by the employee so that he receives it when a pension is assigned.

While money accumulates, prices in the country rise and inflation gradually eats up savings. To compensate for inflation, funds must work and generate income. The state took care of this and appointed special companies to manage pension funds. Now every future pensioner has the right to choose who will invest his future pension.

Readers born in 1966 and older!

The article is not entirely relevant for you - the compulsory pension insurance system fully applies to persons born in 1967 and younger. But you still have a small funded pension, and you can also choose a non-state pension fund to form an additional, non-state pension. We'll tell you about this too.

If you are so knowledgeable about investments that you know how to choose management company And investment portfolio, tell us about it in the comments. For others, it’s easier to choose NPF as their insurer and leave the rest to professionals.

It is impossible to make a fatal mistake when choosing a non-state pension fund. Funds operate according to uniform rules; their activities are regulated by several federal laws, all undergo licensing and inspections by the Central Bank. But we will still tell you about some criteria for a suitable NPF.

Reliability

Check whether the fund participates in the system of guaranteeing the rights of insured persons. By analogy with bank deposits, funded pensions in such funds are insured by the Deposit Insurance Agency. Even if the fund goes bust, your money will not be affected.

Some NPFs have class B ratings, for example BBB− or BBB+. This means a moderate level of reliability. Most funds have received Class A ratings, indicating high reliability. Now the best NPFs have the highest ratings - AAA.

Another important indicator is the life of the fund. The first NPF appeared in our country in 1990. Until 2005, they were only involved in additional pension provision: they formed a second pension.

If the fund arose before 2005, it means that its creators did not simply intend to make money on pension reform. The longer the period of operation of the NPF, the greater the experience, the more stable organizational structure, higher readiness for crises. (This is in my opinion. This is how we all live in Russia - a country where everything is possible.)

The stability of the fund is indirectly indicated by the number of insured persons and the amount of pension savings. If a fund has less than a million clients, it is either a newcomer to the market or an industry fund working with one large enterprise or a group of companies.

Currently, the NPF market is undergoing a process of consolidation of players, and small funds are constantly merging or being absorbed. So, if you choose a small fund, be prepared to constantly change names and addresses. Data on the number of clients and the volume of pension savings are posted on specialized websites.

Profitability

Many sites publish data on the profitability of non-state pension funds. In general, they are all reliable, but there is a nuance: any profitability rating is compiled on one or more grounds, and their various combinations allow you to bring the desired fund to first place. Compilers of performance ratings don't have to fudge the numbers to push their favorite fund to the top.

For example, in terms of profitability Last year Fund “A” will be in first place, according to the average return over the last 10 years - fund “B”, and according to the accumulated return for the same period - fund “C”, because fund “B” has been operating for only 7 years.

The non-state pension fund where I worked also once compiled a profitability rating in which it took first place: for this it was necessary to select the 20 largest funds and take indicators for 3 years only among them.

Therefore, when they tell you about profitability, specify for what period. The performance of the fund can be judged by its profitability for at least 5 years: if on average it is close to 10% per annum, this is a good indicator.

Service

Test the selected non-state pension fund for customer focus. See if it’s easy to find the information you need on the site, find out if you will have a personal account and what information you can get there, call the hotline and see how quickly they answer the phone.

It is convenient when a non-state pension fund has a branch or representative office in your city. For example, when I had to sue my NPF, I spent a lot of time finding grounds for filing a claim at my place of residence. If the fund had a branch, the claim would have been accepted immediately.

At the NPF branch you can submit an application for inheritance or payment of a pension, and in case of a conflict, you can come to the insurer’s office and raise a row. Without a representative office, all this can also be done, but by mail or via the Internet.

Early transition

You can change insurers annually, but if you do this more than once every five years, you will lose all the investment income that has accumulated while you were in your current fund.

This happened to me when I was deceived into transferring to another fund. In 2015, I entered into an agreement with NPF. At that time, there was 43,000 RUR in the savings account. For two years, my non-state pension fund invested money, and I received income. When the scammers transferred me to a new NPF in 2017, everything I earned was burned, and the original 43,000 RUR remained in the account. Over these two years I lost 3700 RUR.

The lost money could work for the entire time remaining until retirement. Over 30 years, with a return of 10%, the initial amount increases 16 times.

Therefore, before choosing an NPF, check who your current insurer is and how long they have held your money. You can check it on the government services website; you need the service “Notification of the status of a personal account in the Pension Fund of the Russian Federation.” In the statement you will see deductions for your pension, as well as the date when the contract with the insurer came into force. You will be able to choose a new fund without losses only after five years.

How to transfer money

If there is a branch of your NPF in the city, you just need to come there with your passport and SNILS. Specialists will help you arrange Required documents.

Usually agents look for you and offer you to choose your fund. Therefore, you don’t have to go anywhere at all, but check whether the proposed NPF meets your criteria. Or choose a fund and make an application through their website.

To transfer money to a non-state pension fund, you will sign several documents:

Agreement on compulsory pension insurance. There will be three copies of the agreement in total, each of which you will sign in at least two places.
Transfer Applications. Usually, just in case, clients are given two statements to sign at once: on the transfer from the Pension Fund to the Non-State Pension Fund and on the transfer from the Non-State Pension Fund to the Non-State Pension Fund.
Consent to the processing of personal data.

The agreement will not come into force immediately, but next year, from January 1 to April 1. If you sign a contract today, you still have time before the end of the year to change your mind. The NPF will begin working with your money only in 2019.

Second pension

Above we talked about how to receive a pension from the state. But you can also create an additional, non-state pension for yourself. Until 2005, NPFs did just that.

For example, all Russian Railways employees

Remember

The funded pension is managed by two insurers: Pension Fund or Non-State Pension Fund. If you do nothing, the money will remain with the Pension Fund and VEB Management Company will invest it.
When choosing a non-state pension fund, make sure that your savings are insured.
A good NPF gives a yield of 10% per annum.
It is convenient when the fund has a branch in your city.
The size of the fund is an additional indicator of reliability. Large funds have more than a million clients.
Test your future fund for customer focus. A good NPF will provide all the information on the website and answer questions about hotline.
To transfer money to a non-state pension fund, go to a branch of the fund or invite an agent to your home. Prepare your passport and SNILS.
If you change NPF more than once every five years, you will lose investment income.
In addition to the state pension, the NPF will help with saving for an additional pension.

The Pension Fund of Russia is the Pension Fund of Russia, which has been involved in the formation of pension payments among pensioners since 1990. At the same time accumulative part is located not in the Pension Fund, but in VEB (Vnesheconombank). NPFs are non-profit, non-state companies that are engaged in the preservation funded pension among citizens. Each insured person has the right to make a choice: keep funds in the Pension Fund or transfer them to a non-state pension fund? But which is better? We will answer the questions posed in this material.

How to choose the right fund?

When forming savings, each insured person faces the task of leaving funds in the Pension Fund (VEB) or transferring savings to a non-state pension fund. A future pensioner should analyze the following criteria of a non-state pension fund or pension fund to determine whether it is worth transferring funds to a particular fund:

Profitability is the most significant and primary indicator when choosing a Pension Fund or Non-State Pension Fund, because it is the profitability that determines what amount will ultimately be saved in the pension account. At the same time, it is necessary to consider profitability indicators not only for the last year, but also for several years of work (5, 10 years).
Experience – the most reliable funds are those that were formed before 1998.
Number of clients – the more insured persons, the better. If such information is not available, then the operation of such a fund must be approached with caution.
Co-founders - the most profitable founders are engaged in the following areas: oil, gas, mineral extraction; representatives of large metallurgical companies.
Reviews - most real clients write negative information about the work of NPFs or Pension Funds. It is important to analyze both the pros and cons. If there are no reviews, it is better not to cooperate with such a company.
Reliability - two companies are involved in assessing NPFs - Expert RA and NRA (National Rating Agency). In this case, it is better to pay attention not to current indicators, but to forecasts from rating companies. If the rating is revoked, then it is better not to sign documents with such an organization.
Accessibility and openness – information on the activities of NPFs and Pension Funds should be available to every insured person. If the information is missing or has not been updated for a long time, then it is better not to choose such a fund.
Availability of a license - most often NPFs have perpetual licenses, but despite this fact, over the past few years more than 20 funds have remained without a license, so it is worth checking this information on the Internet.
Image – you should not cooperate with funds that have a bad reputation.

All of these points need to be analyzed as a whole, because many citizens make the mistake of checking only profitability.

Some citizens do not want to delve into the issues of forming savings. Such insured persons are called “silent”, because the savings remain in the Pension Fund.

Comparison: NPF and Pension Fund

To make the right decision in favor of a fund (NPF or Pension Fund), it is important to comparative analysis positive and negative information. And let's start with the advantages of NPF:

More high percent than in the Pension Fund of Russia.
Possibility of inheritance to specific persons.
Availability of a document (OPA agreement).
Citizens' pension assets are invested only in promising but safe investments.
No taxation when moving from one NPF to another.
No NPF employee will be able to withdraw the client’s savings.
Once every five years (or once a year), the insured person has the right to change NPF.
The functions are performed strictly in accordance with the law, including reporting.
In the event of liquidation of a non-state pension fund, savings are not burned but returned to the Pension Fund. In this case, the citizen can only lose interest.
Transparency – each NPF client can monitor the growth of their own savings online.

Well, now let’s look at the basic disadvantages of collaborating with non-state pension funds:

loss of interest in case of bankruptcy of a company;
the license is revoked at the discretion of the state;
Only Russian currency is used;
when receiving pension payments, tax is charged on investment income;
unstable profitability.

Reliability.
Trust from clients.
Stability of profitability indicators and work in general.
Responsibility of the state to clients.
Financial guarantees.
The Pension Fund cannot lose its license.

Disadvantages of the Pension Fund:

low level of profitability;
restrictions in the field of investment;
absence of a mandatory security agreement;
inheritance is carried out in order of priority.

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

What are NPFs and how do they work?

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

Payment of pension savings.
Accounting Money, which are on the client's account.
Investing your clients' money in reliable projects that are sure to pay off.
Formation cash savings clients, taking into account the income received during the investment.

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

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

Reliability

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

Grades A++ and A+. Such ratings are assigned to reliable and ultra-reliable funds that continue to invest and pay out money even in the event of serious market fluctuations. Statistics show that such funds very rarely disappear.
Grade A. This grade is given to reliable companies that invest money in smart projects and consistently pay pensions to their clients, and their economic policy weakly dependent on market fluctuations.
Grades B++ and B+. Such assessments are received by organizations with a satisfactory level of reliability. The activities of such organizations depend on market fluctuations; the number of problems in case of receiving payments is minimal.
Grade B: Companies with a satisfactory level of reliability receive this grade. The activities of such organizations are quite dependent on market fluctuations; cases of fraud and/or refusal of payments have been reported.
Grades C++ and C+. These tokens are received by companies with a low level of reliability. Such companies have bad economic indicators and often delay paying money to their clients.
Grade C. Very low reliability. Such companies constantly delay payments and/or are on the verge of bankruptcy. The forecast and numerous studies show that funds with such valuations are very often closed.
Score D. This score is given to organizations that have been declared bankrupt (however, it should be understood that very often the state “rescues” clients of such companies if their deposits were insured).
Rating E. This rating is assigned to those that have gone through bankruptcy and been liquidated.

The best NPFs

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

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

Best in terms of money

Let's now find out what the TOP 10 non-state pension funds (NPFs) look like in terms of cash volume. This rating of non-profit NPFs looks like this:

Best in terms of profitability

According to the Central Bank rating

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

How to become a client?

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

You should also understand that there are actually 2 types of pensions:

Minimum pension. This pension consists of all the money that a person transferred to the NPF account. Regardless of the economic health of the company, a person can qualify for this minimum pension (it should also be remembered that such pensions are usually insurable, so in the event of bankruptcy, the state will be able to pay the person his money).
Actual pension. This pension consists of all the money + income that was received through investing. The rule here is simple - the higher the profitability, the more profit the company receives; the greater the company's profit, the more money will be transferred to each pensioner. If the company’s business goes poorly, then the size of the actual pension may decrease (therefore, you need to choose a non-state pension fund responsibly), but you should remember that even if the company goes bankrupt, its investor may qualify for a minimum pension.

Conclusion

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

In 2018, Russians will face another pension reform. What exactly it consists of is still unknown, but, according to the Russian Minister of Finance, the funded system of three years ago has finally become a thing of the past. A new system should encourage workers who “want to have a decent pension” to invest this money. But where exactly?

NPF "VTB Pension Fund", like other participants in the rating, has the highest rating ruAAA, which, according to the compilers of the rating, specialists from the Expert RA agency, guarantees maximum financial stability, reliability and creditworthiness.

The pension fund with such a pleasant name was created in the mid-90s under the auspices of the Russian railways" Over the twenty years that have passed since its founding, the number of people who turned to “Welfare” has reached 1.2 million.

By the way, in 2014 “Welfare” “doubled” - a separate legal entity was separated from it face of NPF"Future". Since then, “Blagosostoyanie” has been dealing only with its clients - employees of Russian Railways, but “Future” is open to everyone.

The situation with Gazfonds cannot be immediately understood. At first there was simply a non-state pension fund "Gazfond", providing citizens of the Russian Federation with pension provision, and pension insurance.

The NPF developed steadily and quickly - by 2009, in terms of the number of assets, it was ahead of all other non-state pension funds. The fund had a non-profit status, but due to tightening legislation and increased requirements for transparency of funds, it was decided to reorganize.

A new one was separated from Gazfond entity- "Gazfond" pension savings", which took second place in the ranking of the most reliable NPFs in Russia in 2018. And the “old” Gazfond still remains non-profit and deals exclusively with corporate pensions.

The reason for the large volume of assets of the Gazfond Pension Savings is the reorganization of the Gazfond carried out in 2016, as a result of which several non-state pension funds were merged with the newly formed fund.

After the merger, the number of Gazfond Pension Savings clients exceeded six million people, and the volume of reserves exceeded 16 billion rubles. Both organizations and individuals can become clients of the fund; however, the fund’s branches are mainly located in Moscow and St. Petersburg.

Just as Sberbank leads the list of banks in terms of the number of clients, so Sberbank NPF ranks first in reliability rating. They say in his favor as long term existence in the market, as well as the number of clients, which exceeded 6.8 million people, and the volume of assets (in the first quarter of 2017 it exceeded 435.2 billion rubles).

And at the end of 2017, NPF Sberbank also expanded - it acquired NPF VNIIEF-Garant.

According to customer reviews, Sberbank NPF has quite a lot of advantages. These include a huge number of branches throughout Russia, quick conclusion of an agreement, reliability, high income and personal online account. However, there are plenty of shortcomings, and the main one, most reviews cite the poor quality of service. In addition, money does not always arrive in customer accounts on time.

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All 16% - for the formation of an insurance pension;
10% - for the formation of an insurance pension, and 6% - for a 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 the pension, as well as through the investment of funds available in a personal account. Thus, all the above sources constitute total amount funded pension.

NPF or Pension Fund - what to choose?

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

When choosing PFR pension savings of citizens are transferred to (public or private) for their further increase and through investment. By transferring savings to the NPF, the fund, in turn, sends them independently also to trust management in the management company, chosen by him in an analysis of the results of their investment activities.

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

When weighing the pros and cons of funds, relative to their percentage, it is worth remembering that the state insurance pension guaranteed, and funded pension funds increase due to the return on investment by financial market, which can also lead to loss. We can also conclude that savings stored in the Pension Fund of the Russian Federation are slowly but surely increasing, and in non-state pension funds the level of profitability depends on the success of the investment.

In any case, since 2014 it has been introduced pension savings insurance and, even if the NPF collapses, the accumulated savings won't disappear anywhere. But still the citizen has every right at any time refuse to form a funded pension and transfer all funds.

Which non-state pension fund is better to choose?

More and more Russian citizens want to increase their pension by forming, however, among the numerous options from among NPFs, it is difficult for a citizen to make the optimal choice. To do this, there are several basic selection criteria that will help you evaluate the fund and find a suitable option for yourself.

Main criteria when choosing a non-state pension fund

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

There are a number of criteria that will help determine the appropriate option, among many other non-state pension funds:

Age of the fund 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 could survive financial crises in the country, this can only contribute to his preference. Large industrial organizations deserve the greatest trust in their role as founders.
Fund return level. Based on the report of the Bank of Russia and on the fund’s website, you can evaluate the success of investing in non-state pension funds.
Place in the independent rating of NPFs and the fund’s reputation. The position in this rating reflects the degree of reliability of the fund itself, since rating agencies evaluate only successful market players and also predict their development.
Open information on the official website of the fund. According to Article 35.1 of the Law dated 05/07/1998 No. 75-FZ “On non-state pension funds”, the fund’s website must contain basic information about the fund: name, license number, information about the location, as well as financial statements, investment results, number of participants, investors and insured persons.
Comfortable service. Availability of a hotline for the client and personal account on a website where you can track the progress of your pension savings.

After analyzing the criteria and selecting a non-state pension fund, it is necessary to fully current year apply in person or by mail with an application for transfer from the Pension Fund to a Non-State Pension Fund (or another Non-State Pension Fund) to the local department of the Pension Fund.

Ratings of profitability and reliability of non-state pension funds

To determine the level of profitability and reliability of non-state pension funds, 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 without negative reviews;
B+- dubious funds;
IN- low level of 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 behind Lately, the top five funds include:

Hephaestus;
Alliance;
Diamond Autumn;
National Non-State Pension Fund;
First industrial alliance.

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

Best NPF in 2019 based on performance results

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

This fund also consists of National Association of Non-State Pension Funds- an autonomous organization of non-state pension funds in Russia and is a member of the Association of European Businesses. This fund is credible only because more than 6 million accounts were opened by participants in the compulsory pension insurance program, and the volume of pension savings amounts to more than 466 billion rubles.

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

At the request of the citizen, the generated pension savings can be... To do this, it is enough to contact transfer statement to the local Pension Fund office, attaching the necessary documents. Within the time limits established by law, a decision is made on the possibility of a transition, with subsequent notification of the participants in the process.

The new fund will receive pension savings only in five years after the decision is made by the Pension Fund body. The accumulated funds will be transferred taking into account investment income and preserving the citizen’s right to transfer funds ahead of schedule in the coming year.

However, it should be remembered that a transfer to another fund can only be carried out Once every five years, otherwise 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.