NPF rating according to the Central Bank. RIA rating. The best non-state pension funds on various estimates

The return on 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 of formation of two parts 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. The organizations themselves are mostly not disposed of funds, entrust this work specialized management company.

Non-state pension funds Can be created directly to work with accumulative parts. 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 proposals of NPF Sberbank Pension. 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

In the form of feedback below, you can contact hot line With questions about pension to our lawyer. Ask your question about retirement and retirement savings and get advice of a lawyer for 15 minutes.

When choosing a suitable pension fund to form accumulations on old age, a question arises not only about the reliability of the organization, but also on its profitability. Assessing how well the Foundation works well, the rating of the profitability of the NPF Russia, which is drawn up on the basis of data from financial reportspublished on the official websites of companies.

Ranking Reliability of NPF Russia

As of the 4th quarter of 2017, 62 non-state pension funds operate in Russia. It is necessary to choose where to translate the accumulative part of your pension, it is necessary, based not only on the data on the profitability of the Fund, but also on its reliability.

Pay attention to such parameters as:

• availability of a central bank license - it can be checked in the registry of official NPF on the Central Bank website at CBR.ru/finmarket/supervision/sv_coll, NPF without a license or with expired do not have the right to take funds from the population;
• does the Foundation participate in 2017 in the Deposit Insurance System - if so, then when bankruptcy NPF or recall has a license, the Bank state will pay compensation to all customers to the Foundation in the amount of invested funds (you can also see this information on the Central Bank website in the same section);
• the term of work - the longer the foundation is functioning, the more experience has been accumulated from its governors and the more sustainable organization to crisis;
• who is the founder of the NPF - better if the fund enters serious holding with a powerful financial support: then he is not threatened by bankruptcy or mergers;
• the amount of funds under the direction of the Fund - than them more, the better: it is not by chance that at the top of the 2017 NPF rating, the largest NPFs are located, capable of widely diversify the funds and extract the greatest benefits from market collisions;
• the management of the Fund - managers and management should not be involved in any dubious affairs, and the fund itself is affiliated with unreliable companies, including offshore.

In addition, the reliability of the Fund can indirectly indicate:

• openness and informativeness of his site;
• qualitative work of call center operators;
• number of NPF departments;
• qualification of employees.

It is clear that if the fund is aimed at long-term work, he will strive for themselves to seek a beneficial impression about himself and maintain a positive image.

Despite the fact that investments in the NPF, consisting in the DCA, are super high, pay attention to the crisis stability crises worth. Whatever place is the foundation in the ranking of the yield of the NPF Russia in 2017, after closing, its customers will receive only those tools that they personally contributed to accounts, and accumulative part In full will be listed back to the FIU. The accumulated investment income will be canceled - and whatever profit, it will disappear.

Rating NPF rating agencies

Another criterion of reliability is the assessment of the Foundation with rating agencies. In Russia, the most authoritative are the national rating agency and expert. They give their conclusion on the basis of analysis financial state Foundation, It investment strategy, the number of depositors, expenses and other indicators. NPF, which received the maximum high rating (A ++ from the expert and AAA in NRA) is not so much.

• Petroleum;
• Gazfund;
• Welfare;
• Rosgosstrakh;
• Sberbank.

VTB PF funds, a large pension fund, Vladimir, Atogarant, Safarmar, Surgutneftegaz, Diamond Autumn There are also a maximum assessment on the scale of the Republic of Armenia, but do not participate in Ranking NRA.

Yield of the NPF Russia in 2017

When analyzing the profitability of the Fund, it is necessary to pay attention to such features:

• profitable yield pension insurance and according to individual pension programs may vary, since funds form portfolios from different assets - it may turn out that the option with a non-state pension will be more profitable;
• analyzing the profits of the Fund should be in dynamics, calculating the average annual and accumulated income - only this will be the correct idea of \u200b\u200bprofitability;
• looking through the rating of the NPF of Russia for reliability and profitability, the fund's yield should be compared with the level of current inflation and the profit of Vnesheconombank - the pension fund management company: Ideally, the profitability of the selected NPF should be higher than both indicators.

You can see the yield of NPF based on the data filed in the Central Bank, on the page npf.investfunds.ru/ratings/9. The site shows the rating of the most profitable funds, starting since 2008. The only disadvantage of this ranking is an inconvenient submission of information.

Therefore, the NPF Ranking of the 2017 NPF is given below in tabular form. To show the cost of increasing the profits of individual funds, data has been included in Ranking over the past 5 years - from 2012 to 2016. The table shows only the 15 most profitable funds. For reference purposes, the yield of Vnesheconombank and the annual inflation rate is indicated.

If we talk about the average annual profit of the funds, the rating of the profitability of the NPF Russia will look like this (data was taken over the past 5 years):

• URALSIB - 9.46%;
• Volga capital - 9.38%;
• Gasfond - 9.26%;
• OPF them. Livanova - 9.09%;
• The first industrial alliance - 9.06 %%
• KIT Finance - 8.71%;
• Hephaest - 8.64%;
• Heritage - 8.36%;
• Magnet - 8.32%;
• Rosgosstrakh - 8.23%.

The average yield of Vnesheconombank over the past 5 years amounted to 8.49%, and inflation growth is 8.54% per year.

Conclusion

Thus, the rating of profitability of the NPF of Russia at the recent years is sustainedly occupied by funds with the largest investment, a large number of customers and good financial support for the founders. At the same time, the inflation and profitability of the FIU itself (investments are produced through Vnesheconombank) of only 7 funds. When choosing a fund, it is necessary to pay attention not only to potential profits, but also on the reliability of the organization. It is better if the funds are insured in the DCA - in this case, you can count on the return of investments while responding the license or rupture of the NPF.

The choice of a non-state pension fund, which can be entrusted with retirement - is not a simple matter. Of course, it is possible to act conservatively and either at all not to choose any NPF, entrustocent of money by the State Fund, or choose one hundred percently reliable semi-state NPF like NPF Sberbank, where the yield is not so high, but there are almost complete confidence that the fund will not disappear anywhere. And although with the so-called freezing of the retirement savings of Russians the question of this issue is much less relevant, after all, to understand the situation in the NPF market and be able to navigate non-state funds need to. It is better to understand efficiency works of NPF. And their reliability helps authoritative ratings drawn up, including according to the data of the main regulator - the Central Bank of the Russian Federation. We will get acquainted with the ratings of the NPF of Russia 2017-2018 on reliability and profitability, based on the statistics of the Central Bank of Russia and the conclusions of independent experts.

NPF Russia: rating of the best funds for profitability in 2017-2018

NPF Russia: rating of the best funds for reliability in 2017-2018

Of course, in such things as the accumulation of pension funds, not less (if no more) is important and rating of reliability of funds. Money on retirement accumulate for decades, and I want to understand that the NPF, in which the funds are invested, is quite reliable and will not disappear at some point nowhere.

Actually, the Russian regulator, Central bank, not engaged in drawing up such ratings, but there is a Raex agency rating ("Expert RA"), which is considered sufficiently authoritative and not only recognized, but also recommended for the use of the Central Bank of the Russian Federation.

As of the end of 2017 - the beginning of 2018, this rating is as follows:

The NPF in the table is grouped according to the national rating specified in a certain way, and the reliability of the funds with the same rating is about the same, therefore, let's say, the first NPF seed in the table has the same high reliability, regardless of how the funds inside this seven are located in the table. Follow the actual state of this rating you can

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The conditions of the pension system, which is formed in the state, is a relevant issue for all citizens. After all, the conditions for receiving a pension and its size determine how a citizen will live after the opportunity to work and will not earn. Submitted in 2015 serious changes led to the fact that in addition to the insurance part obligatory The accumulative, which implies the process of deducting a certain percentage of wages On your personal account, the means of which the citizen can independently manage. An increasing number of people understand the importance of contacting proven and reliable non-state institutions. Make a choice will help the defining best non-state pension fund Rating 2020, which is compiled on various criteria.

As evidenced by a non-state pension fund

By default, these funds accumulate in the pension fund accounts and are transferred to Vnesheconombank. However, in this case, a citizen does not earn any additional money in the form of interest from the amount, which makes the accumulation of inflation subjects. Fix this situation and start getting passive income From their savings, which in any case should be withdrawn from wages, will help appeal to non-state pension funds. The guarantee of obtaining high profitability and reliability of functioning for many is estimating each non-state pension fund rating 2020. It is compiled as a central bank and independent expert agencies. The main values \u200b\u200bare estimated on two criteria:

• yield;
• reliability.

The best non-state pension funds on various estimates

The Central Bank ranks market participants at once in several parameters: the amount of its own resources, compliance with the rights of insurers, the transparency of the fund's activities and a number of others.

Rating of the profitability of non-state pension funds

The compiled rating of profitability of non-state pension funds is interesting due to growing inflation. If the long-term profitability of the accumulated pension exceeds it, then such a proposal may be interesting. According to the information submitted, some non-state pension funds double the accumulation of their customers.

Rating of non-state pension funds 2020 for reliability

Due to the instability of the economic situation and the long-term pension savings, the rating of non-state pension funds 2020 is also relevant. Specialized rating agencieswho directly cooperate with NPF and have the opportunity to inside their activities from the inside, help to navigate in the diversity of existing funds. The rating is most likely, which is drawn up by the Agency expert. In it, the highest indicator is a ++, which is assigned to those funds, which have proven their ability to repay the obligations even with a serious deterioration in the economic situation in the country.