Competing non-state pension funds There are a lot of (NPF) in our country, so it can be difficult for an ordinary person to navigate. All these structures work with several companies, information is available, risks are considered minimal, various Additional services. The choice is also hampered by the periodic appearance of false financial institutions of this type and various reforms and innovations. In order to somehow decide, the rating of non-state pension funds is most often used, which determines the leaders in terms of profitability, stability, reviews.
What indicators determine the rating of NPFs
The rating is important not only for potential investors, but also for the founders, who take into account its performance when developing a strategy. The data is analyzed every year, the most popular analytical resources on the Internet are the websites of the Russian Agency (RA) and the National Rating Agency (NRA). Here you can determine what positions a particular NPF occupies in terms of financial volume, profitability, stability and reliability, and find out the opinion of other users.
Profitability is called the "indicator of the effectiveness of deposits." But when choosing, it is necessary to evaluate the data for 5-6 years and compare them with the inflation rate. If there is no information about the selected structure in open access, it is worth looking for another option.
In addition to profitability reliability is important. Having a reliability rating is also important for the fund, as it helps to attract new clients. RA data can be fully trusted, as this agency is accredited by the Ministry of Finance and recognized by the Bank of Russia.
However, all information must be studied very carefully, since a high NPF profitability rating is not always a guarantee of stability and reliability. Experts advise Special attention focus on reliability. A striking example: "Education and Science" does not offer the highest income, but the "A" rating in the RA indicates that this structure is able to fulfill its obligations in almost any conditions.
The best option is the optimal ratio of profitability, reliability and stability.
Some investors consider the amount of finance and savings to be the most important. In 2015, Gazfond was the leader in terms of the first indicator, and Lukoil-Garant was the leader in terms of the second, although their percentage of profitability cannot be called the highest.
NPF rating in 2016 in terms of profitability and stability
The profitability of non-state pension funds this year (2016) varies in a fairly wide range: from 12.43% (European) to 2.97% (First National Pension Fund). In terms of profitability, the top five include:
- European ( 12,43% );
- Defense Industrial Fund ( 11,94% );
- Ural Financial House ( 11,38% );
- Education and science ( 11,08% );
- NPF Education ( 10,99% ).
List of leaders in reliability (A++):
- Welfare;
- Promagrofund NPF;
- KITFinance;
- European;
- GAZFOND pension savings;
- Sberbank NPF
If you pay attention to both indicators, then the list will be as follows:
- 1 place– Gazfond pension savings;
- 2nd place– Welfare;
- 3rd place- European;
- 4th place– KITFinance;
- 5th place— Education and science.
It should be noted that Sberbank, KITFinance and European top positions in the lists have been occupied for several years in a row.
When analyzing information from rating tables, it should be taken into account that most often only the best structures are displayed in them. It is also important to know that participation in any rating is voluntary, so there are funds that, for some reason, do not provide data. Exception- NPF rating according to reviews on the Internet. Most of all, depositors trust Gazfond, the European Pension Fund, Lukoil-guarantor (with rating agencies does not cooperate), KITfinance and Education.
Assessment of NPF by the Central Bank
The National Bank approaches the rating in a different way. The main indicators are the volume own funds and the existence of a guarantee (insurance) system. Information is collected constantly, summarized for a quarter, half a year and a year.
According to National Bank, the best pension fund for several years in a row - Sberbank. In second place is Doverie, third is European, fourth is Stalfond, and fifth is Lukoil-Garant. All these depositors' income structures are ahead of inflation, the profit is stable.
Criteria for choosing an NPF
When choosing, you need to focus on several indicators. First of all, you need to make sure of the reliability, read reviews, compare income. The following information is also important:
- work period;
- number of clients;
- profitability for the entire period of existence;
- information in the press and the Internet;
- reserves and pension savings;
- the amount of authorized capital;
- the amount of contributions and pensions paid;
- the availability of a license, charter and rules in the public domain.
It should also be noted that you can only transfer to another agency once a year.
Now everything more people are thinking about investing in NPFs. Rating 5 the best funds in 2017 will help you understand which institution is more profitable and safer to invest money in.
NPF is a special organizational and legal form for non-profit organizations responsible for social Security(besides). There are several laws governing the activities of such funds.
- This is the Federal Law, issued in December 2001 No. 167-FZ.
- In addition, an important basis for the implementation of activities provides Civil Code RF, .
- Specifically, the activities of non-state pension funds are described by law No. 75 FZ.
- Finally, savings accounts(for) are conducted in accordance with the law number 27-FZ "On individual (personalized) accounting in the system of compulsory pension insurance".
How do NPFs work?
Such an organization is practically no different from state structures. That is, you can do:
- Payment of pensions.
- Accounting Money.
- Investing in shares and stocks (like and), bonds (for example,) with a minimum.
- Accumulation of capital to make payments after this point.
Commercial funds for pension deposits may belong to one of the following groups.
- Open or universal. They are not related to any financial and industrial groups. Savings of depositors make up the bulk of the assets.
- Territorial. With the support of local authorities, they operate only on the territory of a single region.
- Corporate. Can work with programs of founders. The percentage of savings is growing.
- Captive. They also work with founders' programs.
Best NPFs in 2015-2016
Company founded in 1994. It ranks first in the rankings for a number of reasons.
- It occupies about 14 percent of the market, serves up to three million three hundred thousand people.
- Has savings in the amount of 149,289,065,000 rubles.
- Absence of claims for participation in financial fraud for long term work.
- Received many awards
The site has a calculator that allows you to estimate future savings.
One of the most stable and reliable NPFs in Russia. As evidenced by the high A++ rating. It occupies one of the leading positions in terms of average annual profitability, which is equal to 11.5-12 percent.
Another advantage of the fund is the opportunity for clients to get access to the calculation not only with the structure of placement of pension savings, but also investment instruments to increase the level of profitability.
Pension reserves now exceed the amount of pension savings, more than three times. And the profitability of the savings themselves consistently exceeds the rate of inflation.
The leader of the list with an average annual yield of up to 14 percent.
Clients receive the following benefits:
- Long and successful experience in the market.
- Individual investment program for each client.
- Individual approach with European service standards.
The Central Bank of Russia fully controls the activities of this NPF, which allows it to receive a high A ++ rating.
NPF with a high level of reliability in A ++. More than a million clients were satisfied with the services of this fund. What characterizes his work in the best way.
On issues of placement of pension savings, the organization conducts strict accountability in front of your clients. There are a number of programs not only for individual pension savings, but also for those who are interested in improving business efficiency.
It retains the third position in terms of reliability among organizations that have received a license. Serves over two million customers. The total amount of savings reaches 72,281,723 rubles. It is active throughout the country.
About drawing up an evaluation scale
You do not need to create a separate classification for parameters such as the number of customers or profitability. But there is also an abstract concept of "reliability".
- A++. This is a high level of reliability. Indicates that in case of any market fluctuations, successful cooperation is guaranteed.
- A+. A very high level designation.
- A is simply a high level indicator.
- B++ - this level is considered to be satisfactory.
- B+ - the indicator is not very high. Most likely, problems will arise if you need to pay a significant amount of money.
- B- reliability is low.
- C++ - for extreme low level reliability. There is a possibility of revocation of the license, failure of the fund to fulfill its obligations.
- C+ - this level is unsatisfactory. Such foundations quickly lose their licenses.
- C- there are situations when the NPF has not fulfilled its obligations.
- D- for bankrupt companies.
- E - the license has already been revoked, the organization itself has been declared bankrupt or liquidated.
How to become a client of a non-state pension fund?
For this, an agreement is concluded with the NPF. But before its conclusion, the visitor will have to choose a scheme not only for payments, but also for depositing funds into the account. IN without fail need to decide on:
- Rules for termination of the contract, amendments.
- The payment of the state pension itself.
- The type of payout when the client reaches retirement age.
- Pension scheme and its components.
- The amount of money, the time of their deposit into the account.
A personal account is opened for the depositor when the agreement becomes valid. A solidarity account is opened if the contract has been concluded by the employer. To conclude a contract, you need a very small package of documents:
- Pensioner's ID.
- Insurance certificate.
- Passport, its first and second pages (if the document is overdue, you will have to pay).
The Fund independently manages the money that is deposited into the account. Most treaties provide for a minimum level of income guaranteed to every citizen.
The fund necessarily compensates for losses at the expense of its own funds, even if their investments do not pay off. This means that customers get their money back, in any case.
The contributor can choose two options for payments upon reaching retirement age:
- The whole amount at once.
- Installments that are paid every month.
At the same time, such payments imply the presence of a 13 percent tax. They are subject to income earned by the fund for the entire time the contract was in effect.
Information about savings and termination of the contract
Any client has the right to terminate the agreement earlier than the period specified in it, if the NPF is not satisfied for some reason. But each NPF has its own requirements in such situations.
Change management company in the form of NPF it is possible once a year, this right is reserved for all citizens of the Russian Federation. But such a decision can be made no more than once a year.
If less time has passed since the date of the contract, you will have to wait. Or you need to write a statement in which the client indicates why he decided to apply to another fund.
To find out the size of their savings, the client must contact the representatives of the NPF itself, indicating their individual data.
Information can also be obtained via the Internet if there is no time or desire to personally visit the office of the NPF.
It is enough to register on the official website, having received a personal account.
A letter with personal data and calculations comes to e-mail. During a personal visit to a non-state pension fund, information is given to those who provide a passport and an agreement.
Attachment to the article:download file
In 2015, all future pensioners had to decide on the fate of the funded part of the pension. The government decided not to extend the right to choose citizens for 2016, which caused a real stir. Many citizens were in a hurry to transfer their funds to non-state funds.
Pension funds became leaders in attracting new customers Sberbank, Agreement And Confidence. Currently, about 30 million Russians (more than a third of the working-age population) have transferred the funded part of their pensions to private pension funds. By the way, this is a kind of voting of the most capable citizens on the issue of funded pensions.
Attention, the site contains a more recent Rating of NPF 2017
The general distribution of insured citizens by NPF for June 2016 is as follows:
Table 1
| № | License | NPF name | Growth |
Number of insured |
| 1 | 41/2 | Sberbank NPF | 301% | 4 250 902 |
| 2 | 431 | Future (Stalfond) NPF | 3 726 315 | |
| 3 | 432 | Lukoil-Garant NPF | 35% | 3 339 958 |
| 4 | 407/2 | RGS NPF | 70% | 2 841 984 |
| 5 | 67/2 | SAFMAR (European) NPF | 2 266 789 | |
| 6 | 408/2 | KIT Finance NPF | 7% | 2 119 340 |
| 7 | 28/2 | Promagrofund NPF | 4% | 1 802 506 |
| 8 | 318/2 | NPF trust | 269% | 1 481 530 |
| 9 | 430 | 83% | 1 340 993 | |
| 10 | 269/2 | VTB pension fund | 24% | 1 329 837 |
| 11 | 3/2 | Power industry NPF | -2% | 1 072 896 |
| 12 | 434 | NPF consent | 470% | 1 003 525 |
| 13 | 1/2 | NPF heritage | -22% | 795 174 |
| 14 | 78/2 | Big NPF | -9% | 429 475 |
| 15 | 288/2 | National NPF | -5% | 308 146 |
| 16 | 320/2 | Society NPF | -12% | 243 597 |
| 17 | 281/2 | Magnet NPF | 15% | 240 300 |
| 18 | 56/2 | Khanty-Mansiysk NPF | -2% | 134 778 |
| 19 | 361/2 | UralSib NPF | 81% | 107 275 |
| 20 | 308/2 | Social development of NPFs | -26% | 103 377 |
| 21 | 237/2 | Trust (Orenburg) NPF | -11% | 95 371 |
| 22 | 412 | Formation of NPF | -58% | 90 254 |
| 23 | 436 | Neftegarant NPF | -6% | 70 801 |
| 24 | 378/2 | UMMC-Perspective | 9% | 70 741 |
| 25 | 347/2 | -14% | 69 456 | |
| 26 | 346/2 | Transneft NPF | -5% | 46 118 |
| 27 | 175/2 | Stroykompleks NPF | -5% | 43 836 |
| 28 | 377/2 | Volga Capital NPF | -29% | 41 139 |
| 29 | 433 | Surgutneftegaz NPF | 85% | 36 234 |
| 30 | 359/2 | -13% | 35 397 | |
| 31 | 23/2 | Diamond Autumn NPF | -10% | 32 828 |
| 32 | 12/2 | Hephaestus NPF | -27% | 25 757 |
| 33 | 57/2 | Vladimir NPF | -30% | 20 803 |
| 34 | 94/2 | Telecom-Soyuz NPF | -13% | 18 194 |
| 35 | 106/2 | -17% | 12 268 | |
| 36 | 158/2 | Rostvertol NPF | -14% | 10 008 |
| 37 | 360/2 | Professional NPF | -18% | 6 553 |
| 38 | 415 | Alliance NPF | -8% | 701 |
Note: The table takes into account only the number of people insured under the compulsory pension insurance(OPS).
The increase was not calculated for the funds that went through the merger procedure.
As can be seen from the table, not all funds have increased the number of clients. Many of them experienced significant churn.
It is interesting to compare the number of those insured under the OPS with the indicators of fund management, and at the same time compare it with the 2015 NPF Rating.
What has changed in 2016?
First of all, citizens no longer have the opportunity to transfer the funded part of the pension from the Pension Fund of Russia to Non-State Pension Funds.
The flow of new funds into the funded part of the pension is still frozen. Recall that the funded pension system was first frozen in 2014. Unfortunately, the complexity economic situation in Russia does not allow us to hope that in the near future the situation with funded part will change. Moreover, a lot says that this part of the pension will no longer be replenished at all. Thus, it is quite reasonable to treat funds in NPFs as a kind of initial investment amount, which will increase only due to the results of investments. This means that when choosing a fund, rather high requirements for the quality of management should be made. Even more important in such a situation, it becomes at least not to lose money due to annual inflation.
The difficulty in comparing fund management performance this year is due to the many mergers that have yet to be completed. Let's say NPF SAFMAR united several funds at once: Trust, Education and Science, European, Regionfond and Raiffeisen. Another important merger is NPF Future. It combined NPF Welfare and Stalfond. In our analysis of these funds, we have taken the optimistic assumption that the NSO's fund management standards will be consistent with best performance from the funds included in the group. Therefore, for analysis NPF activities SAFMAR, we took the statistics of the management of NPF European. As historical data for NPF Future, we took the statistics of Stalfond. Of course, this approach is not ideal, so we recommend that you treat the funds that have gone through the merger procedure with more caution.
Rating Methodology
As such, the ranking formula is now based on the overall longest tenure since 2011 (6 years). Most of the funds operating and included in the guarantee system have such a history of work. In addition, this year's rating formula takes into account the return on the interval of 3 recent years(since 2014).
Data on the results of NPF management were taken from the website of the Central Bank. Yields before 2011 were not taken into account. Atomfond NPF, Avtovaz NPF and Akvilon NPF were not included in the rating due to the lack of statistical data for the period 2011-2016.
It can be noted that the proposed comparison is essentially a rating of NPF profitability, that is, such an indicator as reliability was not taken into account at all in the formula. This is another difference from previously used methods. The fact is that since 2015, a pension savings insurance system has been operating in Russia. The principle of its operation is similar to that used for bank deposits. The only difference is that the income part (accrued interest) is not insured in the NPF. In this regard, the reliability rating of NPFs already seems to be irrelevant.
NPF rating
table 2
| License | Name | Rating | |
| 1 | 434 | NPF consent | 100 |
| 2 | 67/2 | SAFMAR (European) NPF | 97 |
| 3 | 320/2 | Society NPF | 95 |
| 4 | 318/2 | NPF trust | 92 |
| 5 | 377/2 | Volga Capital NPF | 89 |
| 6 | 347/2 | Defense Industrial Fund NPF | 87 |
| 7 | 436 | Neftegarant NPF | 84 |
| 8 | 359/2 | First Industrial Alliance of NPFs | 82 |
| 9 | 3/2 | Power industry NPF | 79 |
| 10 | 23/2 | Diamond Autumn NPF | 76 |
| 11 | 408/2 | KIT Finance NPF | 74 |
| 12 | 407/2 | RGS NPF | 71 |
| 13 | 28/2 | Promagrofund NPF | 68 |
| 14 | 1/2 | NPF heritage | 66 |
| 15 | 378/2 | UMMC-Perspective | 39 |
| 16 | 269/2 | VTB pension fund | 0 |
| 17 | 361/2 | UralSib NPF | 0 |
| 18 | 41/2 | Sberbank NPF | 0 |
| 19 | 432 | Lukoil-Garant NPF | 0 |
| 20 | 430 | Gazfond pension savings NPF | 0 |
| 21 | 431 | Future (Stalfond) NPF | 0 |
| 22 | 106/2 | Defense-industrial complex NPF | 0 |
| 23 | 433 | Surgutneftegaz NPF | 0 |
| 24 | 237/2 | Trust (Orenburg) NPF | 0 |
| 25 | 78/2 | Big NPF | 0 |
| 26 | 288/2 | National NPF | 0 |
| 27 | 281/2 | Magnet NPF | 0 |
| 28 | 412 | Formation of NPF | 0 |
| 29 | 308/2 | Social development of NPFs | 0 |
| 30 | 56/2 | Khanty-Mansiysk NPF | 0 |
| 31 | 94/2 | Telecom-Soyuz NPF | 0 |
| 32 | 415 | Alliance NPF | 0 |
| 33 | 57/2 | Vladimir NPF | 0 |
| 34 | 12/2 | Hephaestus NPF | 0 |
| 35 | 360/2 | Professional NPF | 0 |
| 36 | 158/2 | Rostvertol NPF | 0 |
| 37 | 175/2 | Stroykompleks NPF | 0 |
| 38 | 346/2 | Transneft NPF | 0 |
Real yield shows the final result of management after deducting inflation.
The top three included NPF Consent, SAFMAR And society. Quite close to them in terms of indicators is NPF Trust. As can be seen from Table 1, all these funds (except NPF Socium) are quite large - with more than 1 million insured persons. NPF Socium has 243 thousand people. The funds have been highly valued thanks to the stable high level profitability on the horizon of 6 years and 3 years at the same time. In this regard, NPF SAFMAP and Socium are especially distinguished. They are leaders on both intervals. The Consent Fund showed the highest yield over a period of 6 years - 12.4%. However, over a three-year period, this fund was not the leader in terms of profitability (but showed a profitability significantly higher than inflation).
Interestingly, the leaders in terms of the number of insured - NPF Sberbank And Future(Stalfond) received a zero score, because the results of their management are worse than inflation in all considered time intervals. It can be seen that even the state-owned VEB showed better results at all time intervals than Sberbank. The question is, why was it necessary to transfer the funded part there? Thus, the sharp increase in the number of people insured in the NPF of Sberbank is more the result of marketing than good savings management.
In general, it is useful to compare the results of managing your NPF not only with inflation, but also with the state fund (VEB). This gives a good picture
The "victim" of the application of the new technique was NPF Gazfond (leader of reviews and years). The fact is that the results of the management of this NPF in 2014 and 2011 were rather weak and did not allow the NPF to bypass inflation either in the interval of 6 years or in three years. The significant reshuffling of this fund in the rankings is primarily due to the fact that high historical returns have been achieved through unrecorded periods (2009, 2007, 2005). Nevertheless, it seems correct to "cut off" hard-to-verify data that is not present in the statistics of the Central Bank for all funds.
The results of NPF management by years can be found below. For all NPFs, real returns (i.e., returns minus inflation) are calculated.
Table 3
| License | Name | Real yield 6 years |
Real yield 3 years |
2016/9 | 2015 | 2014 | 2013 | 2012 | 2011 |
| Inflation | 4,05% | 12,9% | 11,4% | 6,5% | 6,6% | 6,1% | |||
| VEB state securities | 0,33% | -1,60% | 11,68%* | 15,3% | 0,0% | 6,9% | 8,5% | 5,9% | |
| VEB advanced | 1,06% | -0,98% | 11,54%* | 13,2% | 2,7% | 6,7% | 9,2% | 5,5% | |
| 434 | NPF consent | 12,46% | 1,14% | 10,43% | 9,13% | 9,84% | 8,92% | 14,23% | 7,63% |
| 318/2 | NPF trust | 4,33% | 0,78% | 9,24% | 12,27% | 7,5% | 7,4% | 9,87% | 5,71% |
| 320/2 | Society NPF | 2,92% | 3,62% | 12,62% | 12,43% | 7,1% | 8,5% | 8,2% | 1,87% |
| 436 | Neftegarant NPF | 2,63% | 1,38% | 11,88% | 10,57% | 7,3% | 8,0% | 7,9% | 4,58% |
| 67/2 | SAFMAR (European) NPF | 1,79% | 5,56% | 10,41% | 12,60% | 11,1% | 7,7% | 7,8% | 0,04% |
| 377/2 | Volga Capital NPF | 1,54% | 4,41% | 11,71% | 13,69% | 7,59% | 8,96% | 7,35% | 0,13% |
| 359/2 | First Industrial Alliance of NPFs | 1,40% | 0,91% | 13,43% | 13,34% | 2,73% | 8,68% | 8,35% | 2,77% |
| 347/2 | Defense Industrial Fund NPF | 0,61% | 5,34% | 14,52% | 13,06% | 6,48% | 7,51% | 6,99% | 0,00% |
| 3/2 | Power industry NPF | -0,76% | 0,46% | 11,17% | 8,46% | 9,0% | 8,4% | 7,8% | 1,88% |
| 433 | Surgutneftegaz NPF | -1,32% | -0,12% | 12,39% | 12,94% | 3,0% | 7,6% | 9,87% | 0,66% |
| 175/2 | Stroykompleks NPF | -1,52% | -1,35% | 9,28% | 12,51% | 5,01% | 7,67% | 7,28% | 4,08% |
| 158/2 | Rostvertol NPF | -1,74% | -0,66% | 10,80% | 9,71% | 6,95% | 8,27% | 6,90% | 2,93% |
| 78/2 | Big NPF | -2,69% | -0,04% | 10,70% | 11,33% | 6,15% | 7,25% | 7,67% | 1,53% |
| 432 | Lukoil-Garant NPF | -2,98% | -1,68% | 10,58% | 8,96% | 6,8% | 8,9% | 7,6% | 1,45% |
| 430 | Gazfond pension savings NPF | -3,02% | -0,12% | 11,62% | 13,92% | 2,8% | 7,2% | 7,7% | 1,23% |
| 23/2 | Diamond Autumn NPF | -3,54% | 1,11% | 14,05% | 13,59% | 2,15% | 5,34% | 7,20% | 1,74% |
| 408/2 | KIT Finance NPF | -3,58% | 0,85% | 12,16% | 14,50% | 2,8% | 7,9% | 6,70% | 0,00% |
| 407/2 | RGS NPF | -3,58% | 0,46% | 11,59% | 9,56% | 7,54% | 6,22% | 7,99% | 0,77% |
| 269/2 | VTB pension fund | -3,85% | -0,15% | 13,00% | 10,76% | 4,4% | 5,9% | 8,7% | 0,73% |
| 56/2 | Khanty-Mansiysk NPF | -3,86% | -0,68% | 11,72% | 15,84% | 0,44% | 6,61% | 6,80% | 2,39% |
| 57/2 | Vladimir NPF | -4,06% | -0,89% | 9,96% | 11,92% | 5,40% | 7,46% | 7,45% | 0,96% |
| 281/2 | Magnet NPF | -4,12% | -7,13% | 11,85% | 7,74% | 0,86% | 13,30% | 9,74% | 0,00% |
| 237/2 | Trust (Orenburg) NPF | -4,32% | -1,80% | 11,22% | 9,60% | 5,4% | 8,4% | 8,30% | 0,00% |
| 412 | Formation of NPF | -4,58% | -4,16% | 8,23% | 9,43% | 5,91% | 8,39% | 9,58% | 0,95% |
| 12/2 | Hephaestus NPF | -4,96% | -0,02% | 11,48% | 16,65% | 0,62% | 7,37% | 6,62% | 0,00% |
| 361/2 | UralSib NPF | -5,27% | -0,95% | 14,70% | 10,69% | 2,1% | 7,1% | 7,5% | 0,04% |
| 1/2 | NPF heritage | -5,49% | 0,08% | 12,02% | 16,93% | 0,0% | 6,6% | 6,7% | 0,00% |
| 28/2 | Promagrofund NPF | -5,86% | 2,95% | 14,23% | 16,34% | 1,4% | 4,5% | 3,55% | 1,80% |
| 378/2 | UMMC-Perspective | -6,05% | -0,46% | 13,07% | 12,75% | 2,19% | 6,07% | 6,80% | 0,34% |
| 346/2 | Transneft NPF | -6,27% | -2,92% | 9,85% | 12,97% | 2,38% | 6,65% | 7,16% | 1,74% |
| 106/2 | Defense-industrial complex NPF | -6,31% | -1,92% | 11,59% | 12,87% | 1,9% | 7,0% | 7,53% | 0,00% |
| 360/2 | Professional NPF | -6,53% | -5,79% | 10,44% | 8,11% | 3,27% | 7,40% | 7,07% | 3,90% |
| 415 | Alliance NPF | -6,88% | -4,02% | 12,01% | 12,15% | 0,00% | 9,84% | 6,37% | 0,00% |
| 41/2 | Sberbank NPF | -7,75% | -2,95% | 11,76% | 10,70% | 2,7% | 7,0% | 7,0% | 0,00% |
| 94/2 | Telecom-Soyuz NPF | -8,04% | -4,58% | 12,81% | 8,42% | 2,11% | 5,74% | 7,35% | 2,25% |
| 308/2 | Social development of NPFs | -8,42% | -3,30% | 9,58% | 14,49% | 0,88% | 6,90% | 6,10% | 0,55% |
| 288/2 | National NPF | -9,03% | -4,03% | 10,42% | 11,90% | 1,65% | 4,94% | 7,02% | 1,65% |
| 431 | Future (Stalfond) NPF | -10,50% | -7,82% | 3,87% | 7,5% | 8,0% | 7,0% | 6,1% | 3,00% |
Note: VEB management data for 2016 corresponds to the first half of the year.
A complete table with fund management parameters for the period 2011 - 2016 is attached. The table includes the following information:
- Standard deviation of NPF returns (risk)
- Annual real return over 6 years
- Annual real return over 3 years
- Number of people insured 2014, 2015, 2016
- Growth in the number of insured 2014-2016
Today, Russia is famous for its huge number of non-state pension funds. They constantly compete with each other, luring people into their organization.
NPF rating 2016 5 best reliability funds
Experts collected statistical data and determined the rating of NPFs. The first place is occupied by Gazfond. Its yield is 16.87%. The second position was taken by the pension company Lukoil Garant with an A++ mark.
The third best "Welfare OPS", where reliability and profitability rose to A ++. The fourth place rightfully belongs to the European Pension Fund with a rate of 9.26%. And the top five is completed by NPF "KITFinance".
Each citizen makes a conscious choice where to take into account the year the organization was founded. The best option will be those that created large industrial enterprises of the operating industry and banks before 1998.
What is the position of Rosgosstrakh?
Rosgosstrakh was not included in the top 5 NPFs in 2016, however, it has a high level of reliability: RA - A ++, NRA - AAA. This is confirmed by the result of investing pension savings - 7.5% per year. The number of depositors is 990 people. Despite these data, it is not uncommon to find negative feedback about this fund. Specifically, what place in Rosgosstrakh will be known at the end of the calendar year.
Stalfond
This agency settled in 10th place. Stalfond rating among other NPFs in terms of reliability has a fairly high and stable level of A +. Its ranking is being raised from 12th to 11th place. Profitability of savings for the past year reached 13%. Correct conclusions about profitability need to be made when information is worked out for several years.
Lukoil Garant
Lukoil Garant reached the second place in terms of reliability in the country. The accumulation in it is profitable - 6.49% per annum. The reliability of Lukoil Garant can be tracked every quarter on the official website or at the nearest branch. This fact is also evidenced by positive feedback from both new and old investors.
NPF rating 2016 Top 5 funds reviews
According to user reviews, exhaustive conclusions can be drawn. This is how most people trust Gazfond, Lukoil Guarantor, the European Pension Fund, KITfinance and NPF Nasledie. After analyzing the words of users, we can say with confidence that each of them is reliable, has simple management and a high degree of deposit security.
Contributors say the data non-governmental organizations try to offer Better conditions, but not all of them come into force in current year. If you entrust your money to any of these funds, you can be sure that your pension is in a reliable company.
NPF rating 2016 rating of funds in different cities
In different cities, the degree of reliability can vary significantly. This indicator is influenced by many factors, so funds must submit their statistics every six months.
Nizhny Novgorod has been designated the European Pension, Social protection, Welfare, Lukoil Garant, Gazfond and Education. The latter made a rating of 1.91.