Gazfond pension fund reliability rating. NRA confirmed the reliability rating of NPF Gazfond Pension Savings JSC at the level of "aaa.pf", the forecast is "stable". Application and agreement for transfer of pension to NPF Gazfond

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. And the new system should stimulate workers who “want to have a decent pension” to invest this money. But where exactly?

NPF " VTB Pension Fund, like the rest of the rating participants, has the highest rating ruAAA, which, according to the rating compilers, 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 entity 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 both 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 legal entity was separated from Gazfond - 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.

JSC "NPF GAZFOND Pension Savings" was created as a result of the reorganization of NPF "GAZFOND" in the form of the allocation of a non-profit pension fund with its simultaneous transformation into a joint stock fund Pension Fund. The Fund is the legal successor of the rights and obligations of the Non-State Pension Fund "GAZFOND" for compulsory pension insurance since 06/10/2014. The Fund is also the universal legal successor of the affiliated CJSC KITFinance NPF, CJSC NPF Heritage and CJSC NPF Promagrofond for all claims and obligations in relation to third parties, including all creditors (including insured persons, depositors and participants ) and debtors, including claims and obligations disputed by the parties since 04/04/2017.

JSC "NPF GAZFOND Pension Savings" carries out activities in compulsory pension insurance and non-state pension provision. The sole shareholder of the NPF is KIT Finance Pension Administrator (LLC). Since 2015, the Fund has been included in the register of Funds - participants in the system of guaranteeing the rights of insured persons.

Confirmation of the Fund's maximum rating level is due to the strengthening of high market positions in the mandatory segment pension insurance and reaching high positions in non-state pension provision in 2017 due to the merger of funds, as well as positive dynamics of indicators due to organic development Fonda. Investment policy The fund is balanced, assets are placed in liquid instruments of high quality. The rating takes into account the Fund's long and successful history, support from shareholders, high operating standards and corporate governance, high level of organization of the risk management system.

The volume of the Fund’s assets for 9 months of 2017 increased by 182% (+306.55 billion rubles) amounting to 474.76 billion rubles. By this indicator The fund ranked 2nd with a market share of 12.65%. The growth occurred mainly due to the merger of funds, which took place in the second quarter of 2017. The amount of capital increased more than 7 times and amounted to RUB 40.1 billion as of September 30, 2017.

The volume of pension savings of citizens as of September 30, 2017 amounted to 443.36 billion rubles, the number of insured persons was 6.23 million people. Over 9 months of 2017, the volume of pension savings increased by 173% (+281 billion rubles), the number of insured persons who entrusted JSC NPF GAZFOND pension savings with the formation of their funded pension, increased by 4,892,954 people (+365%).

According to the results of the third quarter of 2017, the volume of pension reserves increased to 16.9 billion rubles, and the number of participants increased to 152,741 people.

Pension funds were transferred to three management companies: LLC Management Company"AGANA", JSC Management Company "Progressive Investment Ideas" and TKB Investment Partners (JSC). The Fund monitors on an ongoing basis financial condition and results of the management company's activities.

The Fund's activities are profitable. According to RAS reporting for 9 months of 2017, the Fund’s total income amounted to RUB 18.1 billion. (income from investment activities─ 20.49 billion rubles).

The profitability accrued to the accounts of insured persons at the end of 2016 amounted to 11.03%.

Natalya Soboleva

The rating assessment is carried out on the basis of an analysis of financial and non-financial information provided to the Agency by the rated entity. In the analysis process, the Agency also uses other financial and non-financial information obtained in a legal way from public and other sources that the Agency considers reliable.

Additional information is available on the website

The results of the Agency's analytical work, including assigned ratings and information contained in this press release, represent the expression of the Agency's independent opinion as of the date of their preparation and do not constitute a statement of fact or a recommendation to make any investment decisions or conduct market transactions valuable papers. The Agency is not responsible for the consequences of the use of opinions and/or information contained in this press release.

The Agency receives information from sources that, in its opinion, are reliable, however, it cannot guarantee the absolute accuracy, completeness and reliability of such information, since it does not conduct an audit and does not undertake the responsibility for conducting a comprehensive audit or independent verification of the information received.

NPF Gazfond is one of the existing non-state pension funds, among which it is very difficult for an unenlightened person to make a choice. If you are considering transferring your pension savings to this fund or have already made this decision, then before choosing it from the many options, familiarize yourself with its activities.

NPF Gazfond was founded in 1994.

The founders were:

Gazprom"
Gazprom dobycha Yamburg
OJSC Gazprombank
Gazprom Dobycha Urengoy
LLC Gazprom Transgaz Saratov.

At the beginning of its activities, this organization dealt with savings only for citizens working in gas industry, mainly, of course, in Gazprom. But over time, he expanded the scope of his clientele to this moment already serving everyone individuals, regardless of their type of activity.

Leader

For many years this non-state fund market leader, occupying the first position in terms of property and pension reserves.

There are two types of property of organizations: own and statutory, necessary to ensure its statutory activities. It should be noted that in the rankings for both types, it occupies a consistently leading position.

Magnitude equity this organization is 389 billion rubles, which exceeds this figure for the private fund, which is in second place in the rating, by more than 100 billion rubles.
The cost of property for statutory needs reaches more than 33 billion rubles, which is again ahead of its closest rival by almost ten billion.
The total volume of pension reserves is another criterion for pride. The first place in this reliability rating is ensured by the amount of 307 billion rubles.
The volume of savings is more than 48 billion rubles – the fifth largest among private pension funds.

Reliability

If you are afraid that something will happen to your savings if the organization ceases to operate, then you need to pay more attention to choosing a reliable organization that will be able to pay the bills under any circumstances, that is, return all pension savings, with its clients.

The key to such reliability is the well-being of the fund itself, and it is measured by the volume of property.

In the event of complete ruin, Gazfond (and this is very unlikely, as evidenced by the A++ reliability rating from Expert RA) will be obliged, by law, to return all the savings of its clients at the expense of its own property. It is enough to pay off all debts to clients.

Profitability

The main advantage of the fund is its reliability, which is valued more than high profitability. Unfortunately, the profitability of any pension fund is difficult to predict, since it depends on market fluctuations, success financial year. Neither the state nor private pension funds promise you a guaranteed annual income. All that the NPF can promise is reliable storage of your savings.

What kind of feedback does NPF Gazfond receive from its clients? This is the question that will interest us today. Choosing a non-state pension fund that you can trust is a difficult decision. And your funded part of your pension depends on it; to some extent, your old age depends on it. You have to think about it in advance. But the choice of non-state pension funds is very large. And not all such organizations can really please their clients with integrity. So what reviews does NPF Gazfond earn from employees and visitors? It’s worth noting right away that there is no clear opinion. You will have to make all conclusions yourself.

About activities

What does our organization do today? Why and who needs it? These factors play an important role. After all, not all citizens are interested in non-state pension funds in Russia. Accordingly, there is no need to contact them either.

"Gazfond" is a non-state pension fund that collects and preserves your funded portion of your pension. Plus, it helps to increase your savings a little. Accordingly, when the time comes, you will receive certain payments from here as a pension. There is nothing suspicious in the activities of the organization. Therefore, NPF Gazfond receives only positive reviews in this area.

For staff

The first step is to pay attention to what employees think about this employer. Often it is by their reviews that one can judge the integrity of the corporation in every sense. So how are things going with Gazfond?

In general, the personnel who work here remain on the neutral side. It is impossible to say for sure that Gazfond is the best employer. It has its pros and cons. The advantages include comfortable working conditions in the office, as well as training and stable income. But the disadvantages are: coercion to join a corporation, deception during employment regarding the freedom to choose a pension fund for the funded part of the pension, enormous tension in the workplace, an endless stream of clients (sometimes dissatisfied). Therefore, we cannot say with confidence that this is a bona fide employer.

OJSC NPF "Gazfond" does not earn the best reviews from its employees. Yes, many take a neutral position, but at the same time they actively emphasize how the organization deceives its applicants. But this kind of phenomenon is not very attractive. Moreover, lies from management are repulsive. You never know what to expect from him!

Spreading

But if you look at the organization from the customers' point of view, the situation is a little better. Why? Because many people trust Gazfond. In particular, for its distribution throughout Russia.

The fact is that this fund not new, it is considered quite large organization. Moreover, it has branches in large quantities in all cities of Russia. So this is not some small scam company. And you can really trust her. In any case, some visitors adhere to this position.

To some extent they are right. After all, NPF "Gazfond" receives positive customer reviews for its distribution. You will definitely be able to find a branch of the organization in your city. Moreover, you can easily become a member of it and store the funded part of your pension here without fear.

Ratings

Well, such a factor as the rating of a particular corporation also plays an important role. NPF "Gazfond" receives mostly positive reviews in this area. And not only because of its long existence, but also because of its enormous prevalence throughout the country.

Rating also plays a role. Gazfond, according to current data, is one of the five best Russian pension funds. This means that such an organization can clearly be trusted. It’s not just that the company got into the top 5 non-state pension funds.

By the way, this gives rise to a high level of reliability - A++. After all, only the best organizations will inspire trust and be reliable. Clients assure that you can safely invest in the corporation and not be afraid that Gazfond will suddenly be closed.

Profitability

The so-called profitability of the company also plays an important role. After all, NPF Gazfond OJSC promises to increase, although not too much, pension savings. Feedback from customers in this regard is not very encouraging. Although, to be honest, the situation here is much better than in most similar organizations.

The problem is that Russia currently has very high inflation. And it “eats up” almost all the profitability. On average, you get about 4.17% profit over your total per year. Not that much, if you think about it.

Only, as practice shows, this is more than many pension funds in Russia can offer. On average, their yield is 3.5-4%. Therefore, Gazfond’s profit, although small, is there. And it pleases. In any case, this organization offers more profitable terms than its counterparts.

Become a member

Often in Russia, surprises arise in terms of participation in the programs of certain organizations. That is, citizens can find out that they are members of some company, although in fact they did not contact that place on their own.

NPF "Gazfond" does not receive the best reviews for incidents of this kind. The problem is that citizens often discover that they are already members of a non-state pension fund. And specifically at Gazfond. In reality, they did not apply anywhere to conclude an agreement.

Why does this happen? This is all due to the fact that Gazfond enters into deals with different employers. And, as you might guess, all subordinates of one or another organization become contributors to the pension fund. And the funded parts of their pensions will be stored in the Gazfond. The employee's consent is not required. And for such a phenomenon, NPF Gazfond in Ufa does not receive the best reviews. Exactly the same as in other cities.

But if you decide to join the organization on your own, there will be no complaints. They will quickly draw up an agreement for you, which will spell out all the nuances and features of pension savings; you can switch to another fund at any time if you wish. What all clients need!

Intrusiveness

Only if you have not yet become a contributor to our current organization, you can prepare for the worst. Especially if you came here for consultation or advice. Why?

All this is due to the fact that NPF Gazfond (Cheboksary) does not receive the best reviews from its clients. And not only in Cheboksary, but also in other cities. All this is due to the excessive intrusiveness of the staff.

What is it expressed in? Gazfond employees will persistently suggest that you invest the funded part of your pension here. Moreover, describing the various advantages of the organization. The emphasis is on high returns on the part of the company (although in fact they will tell you huge percentages compared to reality), as well as on the stability of the company. If you risked leaving your contacts at Gazfond, then with their help you will also literally be forced to join the company. This kind of behavior is repulsive - why would a popular and large pension fund be so actively attracting new clients? They should come here on their own!

Transitions

What to do if Gazfond disappoints you? When concluding the agreement, it is stated that you have every right to change the organization and move to another non-state pension fund. But is this really so?

In fact, clients point out huge problems in this matter. Why? As a rule, you just need to write an application to transfer to another company and wait for a response. Then withdraw your pension savings from NPF Gazfond. Customer reviews in this sense are not the best.

After all, in order to switch to another pension fund, you will have to write an application to transfer your funds using different details several times. Moreover, you will suffer big losses - after all, the profit for the year in which the transition was made will be either scanty or zero. Therefore, keep in mind: once you contact Gazfond, it will be extremely difficult to change the place where you will store the funded part of your pension.

Eternal Praise

It turns out that our today's organization is not too different from its “relatives”. It has its pros and cons. And some of Gazfond’s shortcomings can cause a lot of problems for clients. Because of them, people often refuse to invest the funded part of their pension in a company.

But why then are there so many positive opinions about Gazfond on the Internet? Are the negative aspects all a fiction? Not at all. It’s just that laudatory posts about our current pension fund are often the most common lies. Or rather, they are bought for money. Users are paid to describe the positive aspects of Gazfond in order to attract new customers. This scheme has long been used everywhere and by everyone: both scammers and bona fide organizations.

Scammers?

Just don’t think that Gazfond is a scammer. Not at all. It’s just a not entirely conscientious pension fund, which occupies a position in the ranking of the top 5 such organizations. That is, you can trust the corporation, but with extreme caution. Think carefully before coming here. After all, changing the pension fund later will be extremely difficult, almost impossible.

In any case, you can be absolutely sure that Gazfond will not be closed and will not go bankrupt. Yes, here, as in most cases, there are sometimes problems with payments and with transfers to other non-state pension funds. And surprises with membership. In general, an ordinary average organization that has been operating for a long time. Whether to trust Gazfond or not is only your decision. In any case, the company is distinguished by its stability. These are the reviews left about NPF Gazfond. Choosing a pension fund is not so easy. Therefore, consider all the pros and cons before contacting the organization.

In March 2014, the Council of NPF GAZFOND decided to reorganize in the form of the separation of a non-profit pension fund with its simultaneous transformation into a joint-stock pension fund with the transfer of rights and obligations for compulsory pension insurance from NPF GAZFOND to OJSC NPF GAZFOND Pension Savings. The controlling person of the Fund is Anatoly Gavrilenko. At the same time, NPF GAZFOND retained significant influence on OJSC NPF GAZFOND Pension Savings. Since 2015, the Fund has been included in the register of Funds - participants in the system of guaranteeing the rights of insured persons.

In August 2016, the reorganization of OJSC NPF GAZFOND Pension Savings began in the form of the merger with CJSC KITFinance NPF, CJSC NPF Heritage and CJSC NPF Promagrofond.

The assignment of the maximum level of the Fund's rating is due to its high market positions in the compulsory pension insurance segment and the positive dynamics of indicators in this area, as well as the presence of business development potential in the NPO segment. The Fund's investment policy is balanced, assets are placed in instruments high level reliability. The rating takes into account the Fund's long and successful history, support from shareholders, high operating standards and corporate governance.

The volume of the Fund’s assets at the end of the first half of 2016 amounted to 157.4 billion rubles (7th place in the market), the amount of equity capital is at the level of 3 billion rubles.

The volume of pension savings of citizens as of July 1, 2016 amounted to 154.3 billion rubles (5th place in the market). In the first half of 2016, the volume of pension savings increased by 36% (+40.5 billion rubles), including due to the influx of funds into the Fund following the results of the 2015 campaign and income received as a result of investment activities. The number of insured persons who entrusted NPF GAZFOND Pension Savings OJSC with the formation of their funded pension increased in 2016 by 292.6 thousand people (+28%) and amounted to 1.34 million people.

The volume of pension reserves at the end of the second quarter of 2016 amounted to 1.7 million rubles. The number of participants in the NGO system was 34 individuals and legal entities.

Pension funds were transferred to three management companies: CJSC Gazprombank - Asset Management, CJSC Management Company Progressive Investment Ideas and TKB Investment Partners (JSC). The Fund constantly monitors the financial condition and performance of the management company.

The profitability accrued to the accounts of insured persons at the end of 2015 amounted to 11.07%, the profitability accrued to the accounts of participants - 17%.

The Fund's activities are profitable. Total income aimed at replenishing own funds The fund, according to IFRS reporting for 2015, amounted to 3.2 billion rubles.

Tatiana Kovaleva

The rating assessment is carried out on the basis of an analysis of financial and non-financial information provided to the Agency by the rated entity. In the analysis process, the Agency also uses other financial and non-financial information obtained legally from public and other sources that the Agency considers reliable.

Additional information is available on the website

The results of the Agency's analytical work, including assigned ratings and information contained in this press release, represent the expression of the Agency's independent opinion as of the date of their preparation and do not constitute a statement of fact or a recommendation to make any investment decisions or conduct transactions in the securities market. The Agency is not responsible for the consequences of the use of opinions and/or information contained in this press release.