The most profitable NPFs in the year. Reliability of non-state pension funds. Information about accumulation and termination of the contract

Now more and more people think about investing money in NPF. Rating 5. best Funds In 2017, it will help to understand what institution is more profitable and safer to invest money.

NPF is a special organizational and legal form for non-commercial organizations responsible for social Security (In addition to). There are several laws governing such funds.

1. This is a federal law released in December 2001 No. 167-FZ.
2. In addition, an important basis for carrying out activities Civil Code RF ,.
3. Specifically, the activity is non-state pension funds Describes by law No. 75 of the Federal Law.
4. Finally, the accumulative accounts (for) are conducted in accordance with the law for the 27-ФЗ number "On the individual (personified) accounting in the system of compulsory pension insurance".

How do NPF work?

Such an organization is practically no different from state structures. That is, can do:

• Paying pensions.
• Accounting money.
• Investing in equity and promotions (like and), bonds (for example,) with minimal.
• Accumulation of capital for the implementation of payments after that moment.

Commercial funds for pension contributions may relate to one of the following groups.

1. Open or universal. No relation to any financial and industrial groups. The accumulations of depositors make up most of the assets.
2. Territorial. With the support of local authorities, function only on the territory of the individual region.
3. Corporate. Can work with the programs of the founders. The percentage of savings is growing.
4. Captive. Also working with the programs of the founders.

Best NPF in 2015-2016

The company founded in 1994. Ranked first in the ranking for a number of reasons.

• It takes about 14 percent of the market, serves up to three million three hundred thousand people.
• Has accumulations in the amount of 149,289,065,000 rubles.
• Lack of claims for participation in financial fraud for a long period of work.
• Got a lot of awards

The site works a calculator that allows you to evaluate future accumulation.

One of the most stable and reliable NPFs in Russia. What is confirmed by a high rating A ++. It occupies one of the leading positions on average annual yield, which is equal to 11.5-12 percent.

Another advantage of the Fund is an opportunity for customers to access the calculation not only with the structure of posting pension savings, but also investment tools that allow you to increase the level of profitability.

Pension reserves now exceed the size of pension savings, more than three times. And the profitability of the accumulation themselves stably exceeds the level of inflation.

The leader of the list with an average annual profitability of up to 14 percent.

Customers receive the following advantages:

1. Long and successful experience in the market.
2. Individual investment program for each client.
3. Individual approach with European service standards.

The Central Bank of Russia fully controls the activity of this NPF, which allows it to get a high rating a ++.

NPF with a high level of reliability in a ++. More than a million customers were pleased with the services of this fund. What characterizes his activity in the best way.

On issues of posting pension savings, the organization conducts strict reporting to its customers. There are a number of programs not only for individual pension savings, but also for those who are interested in improving business efficiency.

It retains the third position on reliability among organizations that have received license. Serves more than two million customers. The cumulative accumulation volume reaches 72,281,723 rubles. It works actively throughout the country.

On the preparation of the evaluation scale

No need to create a separate classification for parameters such as the number of customers or yield. But there is another abstract concept of "reliability."

• A ++. This is a high level of reliability. Indicates that with any market fluctuations, successful cooperation is guaranteed.
• A +. Designation of a very high level.
• A is an indicator just for high levels.
• B ++ - this level is considered satisfactory.
• B + - the indicator is not very high. Most likely, problems will arise if it is required to pay a significant amount of money.
• B- reliability is low.
• C ++ - for extremely low level reliability. There is a probability of license revocation, non-fulfillment of the obligations.
• C + - This level is unsatisfactory. Such funds quickly lose their licenses.
• C- There are situations when NPF has not fulfilled its obligations.
• D- for bankrupt companies.
• E - the license is already withdrawn, the organization itself is recognized as bankrupt or eliminated.

How to become a customer of the non-state pension fund?

For this, a contract is concluded with the NPF. But before his conclusion, the visitor will have to choose a scheme not only payments, but also cash withdrawal. IN obligatory We must decide with:

1. Rules of termination of the contract, making changes.
2. Paid by the state pension itself.
3. Type of payments when the client reaches retirement age.
4. Pension scheme and its constituent.
5. The amount of money, the time of their deposit.

The depositor opens a personal account when the contract becomes valid. The score of the joint purpose opens if the contract concluded the employer. To conclude a contract, a very small package of documents is needed:

• Pensioner's ID.
• Insurance certificate.
• Passport, his first and second pages (if the document is overdue, will have to pay).

The Foundation independently manages the money, which is made on the expense. Most contracts provide for the minimum income level guaranteed to each citizen.

Fund will necessarily compensate for losses due to own fundsEven if their attachments do not pay for themselves. This means that customers receive their money back, in any case.

The depositor can choose two options for paying retirement age:

1. Immediately the whole amount.
2. Parts that are paid every month.

At the same time, such payments assume the presence of 13 percent tax. They are subject to revenues earned by the Foundation for all time until a contract has been accessed.

Information about accumulation and termination of the contract

Any customer has the right to terminate the contract previously specified in it, if the NPF is not suitable for some reason. But each NPF has its own requirements in such situations.

You can change the control company in the form of a NPF one time annually, this right is fixed behind all citizens of the Russian Federation. But such a decision can be taken no more than once a year.

If less time has passed since the contract - you have to wait. Or need to write a statement in which the client indicates why he decided to contact another fund.

To find out the size of its savings, the client should refer to representatives of the NPF itself, indicating its individual data.

Information can be obtained over the Internet if there is no time or desire to personally visit the NPF office.

It is enough to register on the official website, receiving a personal account.

A letter with individual data and calculations comes to email. With a personal visit to a non-state pension fund, information is issued to those who provide a passport and contract.

Choosing a non-state pension fund

Caring for your future inherent in the Russians. One of its manifestations is the accumulation of pension deductions produced voluntarily, in specialized funds. Therefore, what a change will undergo the rating of non-state pension funds in 2017, may affect the plans of citizens. The prospects and stability of the NPF depends on several factors. As a result, ratings drawn up by different experts may have differences.

What is a non-state pension fund in Russia

The introduction of NPF into the Russian pension system was started in 1992. In the period from 1992 to 2007, more than 200 NPF organizations were established in the country, whose main task was to accumulate citizens' funds with the subsequent payment of pension transfer. Since 2007, the number of NPF in the Russian Federation has declined significantly. Most of the funds were liquidated by the founders, part of the NPF withdrawn the license.

The principle of NPF in Russia is practically no different from the activities of the Russian Federation, with the exception of the factor of voluntary transfer of funds. A citizen independently chooses the Fund, concludes a special agreement with managing CompanyOn the basis of which regular deductions produces. Managers NPF accumulate funds and investigate them in highly reliable assets. Upon completion of the period after investing, the profit received is listed on the depositor's accounts, excluding part of the profit contributed to the needs of the Foundation and the work of the managers.

Rating non-state pension funds 2016 for reliability

In Russia there is no unified system NPF reliability estimates. There are several rating agencies conducted by an independent expert assessment of the work of NPF, analyzing activities in past periods. According to rating agency "Expert RA" in the top of the best NPF for 2017 consists of more than 20 funds. The highest rating - a ++ - got:

NPF rating for profitability

However, in addition to the reliability of the NPF, the level of return on this or that fund is also selected, because this particular factor affects the size pension payments in future. According to the results of the reports filed in 2016 for 2015, the return rating leaders are:

• "European Pension Fund" - 12.43%;
• "Defense and Industrial Fund" - 11.94%;
• "Ural Financial House" - 11.38%;
• "Education and Science" - 11.08%;
• Surgutneftegaz - 10.50%;
• "St. Petersburg" - 10.50%;
• "Magnet" - 10.36%;
• "Big" - 10.35%;
• "Volzhsky" - 9.87%;
• "Sberbank NPF" - 9.85%.

NPF, which occupy the first positions in the rating of profitability, did not receive confirmation in the rating of reliability. Of the top 10 of the most profitable NPF, only three have an indicator of evaluating experts on the level of reliability: "Surgutneftegaz", "Big" and "Sberbank NPF".

The Central Bank of Russia leads its own list of recommended NPF for the accumulation of pension deposits by Russians. The preparation of the rating of the Central Bank of the Russian Federation influenced the ratio of NPF profitability and the number of depositors cooperating with the Fund. The top five leaders from the Central Bank of the Russian Federation includes:

• "Large";
• "Akvilon";
• "VTB PF";
• "Neftegarant";
• "Sberbank NPF".

When choosing a NPF, it is recommended to analyze not only the ratings of profitability and reliability drawn up by various experts, but also other factors. It is worth paying attention to how long the NPF operates on the market, who is founders of the Foundation, which features of the pension program are taken into account in the contract, as interest from the turnover of funds and so on is distributed. These moments will help choose the optimal NPF for rational investment in the future retirement.

According to the statistics of the Bank of Russia, the past year was more favorable for NPF. The official rating of the NPF of Russia 2017 on the reliability and profitability according to the Central Bank of Russia, published on the website of the Central Bank of the Russian Federation, after the fall in the fall-in winter, 2015 there is a small, but steady increase in pension savings in non-state pension funds of the Russian Federation.

but nPF "Samfar" rating demonstrated the most powerful increase in savings - per last year They increased 6 times. This allowed the fund to make a sharp jump up at 11 steps and take the sixth position in the ranking. No wonder that the number of customers from Samfara also increased more than 10 times. The cause of such powerful growth is the consolidation of pension funds of the BIN group.

In general, the NPF demonstrates a positive trend - yet in three NPF ("consent", "confidence" and "surgutrhethegaz") accumulated increased more than twice.

Rating profitability NPF 2017

However, the "biggest" does not mean the "most profitable". The most profitable for customers became CJSC "Kitfinnce Non-state Pension Fund" (12.29%), then three are followed: ("NPF Gazfond Pension Accumulation", "Heritage", "Promagroofond") with a yield from 12.21% to 12.19%.

It is gratifying that a sufficiently large number of NPF received income more than ate inflation (for 6 months of 2017, it was 2.3%). And the yield of some NPF was less inflation.

The level of confidence in the NPF, poll

In general, in 2017, most NPFs of Russia showed that they know how to manage pension deposits. Despite the devaluation of the ruble, the yield of most of them is higher than the level of inflation. And which NPF is the best - reliable or profitable - to solve only you.

Citizens can keep their cumulative part of the pension both in the State Pension Fund, and translate it into non-state-NPF, which promise a higher yield. But before you decide on the translation, you need to familiarize yourself with the NPF rating and the basic criteria for the choice of the Fund.

The portal studied the NPF rating and found out what funds offer funds good incomewhich companies can be called reliable. Ratings of the leading funds, which real profitability they offer, what organizations are the most trusted Russians.

About NPF.

Non-state pension funds are non-commercial organizationswho citizens trust their cumulative pensions. The NPF ensures the safety of these funds and their increase due to investment. The work of such funds is strictly regulated and monitored by the state. They are regularly verified by various departmental authorities.

Every month, your employer makes deductions to the Pension Fund 22% of the amount of accrued salary. Of these, 6% are sent to the accumulative part of the pension, which a citizen can manage - leave everything as it is, that is, to keep funds in the FIU, or translate them to the NPF. And the FIU, and the NPF "scroll" this money, protecting them in the same way from inflation and ensuring at least a small income. And if you correctly explore the rating of non-state pension funds, you can make a profitable investment. The yield of NPF is traditionally higher than in the FIU.

By law, all accumulative funds of citizens are insured. If the NPF closes, all the money will simply automatically go to the FIU. If the foundation has worked at a loss, he must refund him to citizens.

What NPF is most trusted by citizens

At the beginning of 2019, about 50 non-governmental funds are registered and officially operate in Russia and officially work, which attract pension accumulation of citizens. If you consider the NPF rating from the point of view of citizens' trust, then it will be like this:

1. Sberbank. It takes an honorable first place of the rating, more than 8.7 million people entrusted him.
2. Opening. It takes the second line of the ranking, more than 7.1 million people have their own accumulations.
3. Gazfund. Known non-state fundThe contract concluded with him almost 6.5 million people.
4. Future. The next step of the Top NPF in the level of trust, with it concluded a contract of more than 4.3 million citizens.
5. Safar. It takes the next line of the rating, it is trusted by almost 3.9 million Russians.
6. VTB. Pension Fund of the VTB Group, 2,66 million citizens are kept here.
7. Neftegarant, he trusts almost 1.5 million people.

These are the largest customers in Russia's non-state PF of Russia. Further, the ranking includes companies that serve less than 0.5 million Russians. NPF large - almost 430000 people, consent - 370000, trust - about 115,000, Magnet - 228000, National - 285000, Socium - almost 309,000, Education - 101000. All other NPFs can be called very small, their customers are less than 100,000 Russians. But small - does not mean low-income.

Rating of non-state pension funds of Russia for profitability

Choosing an organization to invest its pension savings, the most important thing is to look at the yield of the organization, on the dynamics of its testimony for last years. On the Central Bank website you can find information about the profitability of the current NPF, for each year of his work.

If the NPF works efficiently and invests client funds in good assetsThe client receives income, its size of the cumulative part of the pension will increase. Accordingly, if there is no profit, then there will be no growth.

For comparison: investing in the funds of citizens who are located in the FIU itself, is engaged in WEB. According to the result, 2018, he reported on yield 6.07%.

If you explore the rating of non-state pension funds in recent years, it can be identified that over the past two years their profitability has been significantly reduced. In 2015 and 2016, many companies gave excellent indicators, in many NPF citizens' profits reached 10-12% per annum. But according to the result, 2017 and 2018 it is clear that the yield has declined significantly.

For a more objective understanding of the picture, we will draw up a rating of the NFR of Russia according to the following algorithm: in the order of descending order of profitability in the final work in the 1st quarter of 2019. To understand the dynamics of returns we will look at the profitability of the same company for 2018 and 2017.

1. GEFEST. The yield for the 1st quarter of 2019 - 12.42%, according to the result, 2018 - 3.94%, according to the result, 2017 - 9.97%. This is a leading fund, but, as can be seen, its indicators cannot be called stable. The clients of this company are only 30,400 people (for the 1st quarter of 2019).
2. Stroycomplex. The yield for the 1st quarter of 2019 - 5.82%, for 2018 - 3.94%, for 2017 - 7.96%. Also unstable indicators, but it is impossible to call them low for the current years. Clients of construction complex at the beginning of 2019 are 38,750 people.
3. Surgutneftegaz. Return for the 1st quarter of 2019 - 10.67%, according to the result, 2018 - 5.32%, according to the result, 2017 - 8.74%. The current customer base is almost 38,000 people.
4. Opening, previously, this NPF called LUKOIL Garant. Return for the 1st quarter of 2019 - 10.04%, for 2018 - minus 10.8%, for 2017 - no data. Last year, the company has experienced problems (bank sanation opening), but now the situation was leveled. The client base is more than 7.1 million Russians.
5. Oil and Paul. The yield for the first quarter of 2019 is 9.97%, according to the result, 2018 - 5.12%, according to the result, 2017 - 8.13%. The number of customers is 1.47 million people.
6. Khanty-Manxian NPF. The yield for the 1st quarter of 2019 is 9.55%, according to the final 2018 - 4.15%, according to the result, 2017 - 8.16%. The number of customers is almost 135,000 people.
7. Sberbank. The yield for the first quarter of 2019 is 9.35%, for 2018 - 4.64%, for 2017 - 8.7%. Number of customers - 8.7 million citizens.
8. First industrial alliance. The yield for the 1st quarter of 2019 is 9.25%, according to the result, 2018 - 5.04%, according to the result, 2017 - 8.14%. Clients are 31850 Russians.
9. UMMK perspective. The yield for the 1st quarter of 2019 is 9%, according to 2018 - 4.47%, as a result of 2017 - 9.19%. The number of customers is 92500 people.
10. Large. The yield for the 1st quarter of 2019 is 8.79%, in 2018 - 2.21%, in 2017 - 7.16%. It serves about 430000 citizens.

Information on profitability is received from the official source - information provided Central Bank Russia.

Let's sum up

And what is the most interesting thing - in the ranking of the NPF on profitability there are only 4 companies that are included in the top organizations in the number of customers (NPF Sberbank, opening, oil and garagem and large). But we still specify their yield for the 1st quarter of 2019: Gazfund - 5.27%, the future - 8.72%, Safamar - 8.51%, VTB - 7.49%,

Yield to pension savings In 2019, will be from 6% to 8%.

One of the serious criteria when choosing a fund is its level of profitability. This factor has formed a rating of statistics Top 30 NPF leaders in 2019.

NPF Ranking in 2019

Analysts to identify the best NPF of Russia assesses the degree of their reliability. For this purpose, the investment method is investigated, its validity, the state of the company is analyzed today, its development prospects. According to these criteria, NPF leaders 2019 Top-30 look like this.

NPF statistics data for 30.09.2018

Overview of key indicators of NPF (Bank of Russia, 2nd quarter 2017) -

The largest merger is prepared in the NPF market

NPF reliability rating for 2019 from the credit rating agency "Expert RA"

In the media, the Internet contains a lot of information about the mechanism for the formation of two parts of pension savings. Most citizens have already figured out that they have the opportunity to increase their welfare when the occurrence of disabled age through the competent placement of the accumulative part. However, the desire to understand what kind of non-commercial pension fund their capital can work productively, many people occur. One of the landmarks when choosing the NPF is the NPF rating that is created by independent companies. It is worth carefully approaching the foundation to choose, correctly evaluate all the indicators of their work by drawing attention to the NPF rating in 2018 and 2019.

Non-state pension funds (NPF) in Russia

Before proceeding with the choice of NPF, which you trust, it is worth dealing with what kind of organization is what the specifics of their activities are. These are organizations that are engaged in favorable investments Depositors to various projects. From how correctly finance will be invested, the degree of increasing capital depends. Funds are not engaged in manufacturing products. For most part, the organizations themselves are not disposed of funds, entrust this work of a specialized management company.

Non-state pension funds can be created directly to work with accumulative parts of pension funds. They create some major firms for their own employees. But since the funds are not closed organizations, unauthorized persons can also become their depositors. The advantage of such NPF is control over the investment by trade unions.

European Pension Fund You can consider one of the most popular options. It is the high degree of profitability that led to the creation of a solid base of depositors. This organization has more than a million clients that trusted him cumulative contributions. European service standards are practiced in the fund, customers have the opportunity to open the cabinet, track the movement of personal finance. It is possible to remove funds to another fund in case of bankruptcy.

High interest rate Installed for insurers inserting the cumulative part in "Surgutnhegaz". Payments at rates are carried out in a timely manner, the organization works more than two decades, confirmed its reliability.

According to its history, Surgutnhegaz is not inferior to the rating leader. This NPF has been awarded the highest estimates of experts in its level of profitability and the degree of reliability.

Foundation differs in solid profitability "Welfare". For 15 years, he managed to prove his ability to competently, successfully invest depositors. The number of clients of the organization exceeds a million, they all receive payments on time.

NPF "Welfare" received according to the degree of reliability among experts assessment A ++. This is one of the best indicators for this criterion.

Qualified experts assigned the highest degree of reliability of the organization "National NPF". She is over 17 years old, the amount of savings is about two billion rubles. Foundation is a member state program Co-financing, which allows depositors to double their pension funds.

W. European pension fund Solid work experience. For 20 years, he managed to prove his ability to prove his ability to successfully invest funds, ensure the timeliness of payments to its customers. The reliability of the Fund is provided by the transparency of its work, the possibility at any time to receive accurate data on the movement of finance on the account.

Top advantages NPF "Education" There are three pension schemes: lifelong, temporary (2-30 years), solidarity.

Defense Industrial Fund You can consider the ideal choice for those who prefer conservative, reliable options. This policy Finance attachments ensures reliable income.

NPF Sberbank

Many future pensioners prefer to trust their accumulative shares. pensions NPF. Sberbank. The main stimulating factor in this case is the state security of finance. Sberbank offers several ways to accumulate pension funds.

Mandatory insurance makes it possible to increase the accumulative shares of pensions due to permanent deductions. For clients planning to maintain the current level of income at retirement age, individual options are developed. Corporate programs are provided for increasing business productivity.

NPF LUKOIL

NPF "LUKOIL-GARANT" works more than 20 years. An organization has been created to preserve and increase the funds of employees of the concern. The work of the Fund is fully controlled by the trade union of the company, which eliminates the leakage of funds, cases of short-sighted investment of finance.

NPF "Trust"

NPF "Trust" was created 18 years ago. The founders are the organization participating in economic Life Nizhny Novgorod region, solid banks. The fund participates in the co-financing program, which allows to significantly increase the accumulative pension part. Guarantees are provided by the complete control of the Action of the FIU.

NPF "Consent"

The "Consent" Foundation is the legal successor of OJSC NPF "Consent". Qualified experts give a high assessment of the organization's work on the criteria of profitability, stability, the profitability of investing customer funds. The fund was halved to increase the figures that the predecessor were.

NPF "European"

In any ranking of the NPF Russia, the European Foundation occupies one of the leading positions. Such popularity is due to the high reliability of its work, confirmed by two decades of activity, during which customers are clearly listed by the promised finances. The transparency of the organization is ensured by the possibility of depositors to monitor the movement of finances in personal Cabinet. The organization is included in the state co-financing program. NPF accepts maternity capital To increase the accumulative pension parts, practicing individual pension plans, consulting, planning upcoming pension payments, providing customers with ideal conditions.

Questions on pensions - Legal advice

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