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Which non-state pension fund is better to join? How to choose a NPF (non-state pension fund)? How do NPFs work?

The issue of reforming the pension industry and introducing such a concept as a funded pension is now being actively discussed. While the mechanism of operation of such a system is being developed, a version has already been announced that its implementation will gradually occur starting in 2019.

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But in order for the system to work effectively and give good results, it is necessary not only the desire of the government, but also non-state pension funds, which will act as a guarantor for such savings of citizens. And further on this will be discussed in more detail.

What it is

NPFs or non-state pension funds are enterprises that have a certain organizational and legal form, which is fixed at the state level. Such enterprises are not commercial, although many mistakenly believe that making a profit is their main goal.

If we talk about historical aspect, then the first companies of this kind appeared in the state back in the early 90s, when its own system was just beginning to take shape social security.

Many people mistakenly believe that these types of organizations perform exclusively one role in the state, but this is absolutely not the case. And further about the functions they perform.

Functions:

  1. Accumulation of all pension fees within the framework of non-state social security provision. The Fund opens a special account for each investor, into which contributions are received and which are then accumulated for further payment of P.;
  2. Posts available funds, which came from depositors, in different financial markets, for example, in securities, bonds, thus receiving a profit from such investments and thereby increasing reserves;
  3. Distributes the income received in equal shares among all investors and participants, thus increasing people's savings. The company operates exclusively in the interests of its participants and in order to increase savings. Also, part of the investment profit received is used to ensure the statutory activities of the enterprise;
  4. Prepares all non-state savings pensions.

How is a funded pension formed?

Since 2015, significant changes have occurred in the Russian Federation and from that moment the labor Ps that were assigned until now have become invalid. Since 2015, insurance and savings pensions began to be assigned. And they differ only in the method of formation and distribution of contributions that come from the employer.

How are P formed:

  1. Insurance: a tariff of 22% is distributed in this way - 16% for the insurance part and 6% for the fixed part;
  2. Cumulative: 22% are distributed in this ratio
  • 10% - for insurance;
  • 6% - for fixed rate;
  • 6% - for savings.

When such a system was introduced, everyone had the right to decide what to choose. Now the right to choose is given only to those who begin their working career.

At the same time, for all citizens before 1966, only insurance is accrued, but for those born in 1967 and after, until March 31, 2015, the right to choose was given. Those who chose a savings pension had to entrust their part of the funds to the management company.

Which non-state pension fund is better to choose?

In order to make the right choice in favor of one institution or another, it is imperative to know the criteria by which such an assessment is made. Right choice will provide reliability and guarantee of savings.

If the choice is made incorrectly, then there is a possibility that all savings will be lost.

Main criteria

When answering the question, which NPF is better to choose, you need to take into account following criteria:

  • The number of years that the market has been operating. Everything is very simple here: the longer an organization operates, therefore, the more reliable its activities;
  • Profitability of the NPF itself. Information can be found in the official report of the Bank of Russia, which indicates the return on investment;
  • Rating. The success of the company depends on the place an organization occupies, and, as a rule, such ratings are compiled by independent experts;
  • Level of service. A person must have access to information, that is, there must be hotline, mobile banking, personal account, etc.

Profitability and reliability ratings

Regarding profitability, everything is clear here. Everyone is required to provide as public information their level of profitability to clients. This indicator is also presented as a percentage in the reporting of the Bank of Russia. Here everyone can understand: 13%, 10%, etc.

The degree of reliability can be assessed using letter designations:

Rating letter Options Description
A A++ The most reliable and stable on the market
A+ Sufficiently stable in the market, which have a good image and reputation
A Quite reliable and proven organizations
IN B++ There are small risks, although there is a fairly high degree of reliability
B+ Organizations are in great doubt, there are also black streaks
IN Low reliability
WITH C++ The license may be revoked
C+ The license may be revoked
WITH Eat a large number of reviews
D Already declared bankrupt
E Currently in the state of closure, liquidation and bankruptcy

Video: How to choose?

Best in 2019 based on performance results

It is not yet possible to assess the activities of institutions in this financial segment for the entire this year, but at this time the most attractive in terms of profitability is Gazfond, which this year has a yield of 13.16%. The total amount of savings is 425636643000 rubles.

The main differences between a state or non-state fund

First of all, considering the differences between state and non-state pension funds, it should be noted that in Russia there is only one fund of national importance- this is the Pension Fund of the Russian Federation. Its status is fixed at the legislative level, it has its own form of work and is subordinate exclusively to state power.

Its budget is fixed at the state level and all expenses and income are taken into account when forming the state budget.

It is precisely due to the difference in the form of ownership that there are significant differences between such institutions.

Main differences:

  1. Degree of reliability of the storage part. The Pension Fund is the only one at the government level and therefore it will function in any system at any time. economic condition states. The state acts as a kind of guarantor of all deductions, therefore, this gives a 100% guarantee that the citizen will receive his deductions back in the future. The owners of NPFs are private organizations, which at any time can cease their activities and then all investments may be lost;
  2. Investment attractiveness. Here, non-state pension funds have an advantage, since they are not limited in investments and can place free resources where they see fit. Due to constant investment, they receive a fairly good profit, which allows investors to also receive their dividends as an addition to the funded part of the pension fund. The pension fund at the state level cannot boast of such investments, so it is not always profitable to accumulate resources here.

That's basically it. As elsewhere, the principles of economics work: more risks, more chances to make a profit.

Is it possible to change

Many investors who form part of their savings in a non-state pension fund are interested in the question: will it be possible to change it in the future, because new participants with more money may appear on the market? favorable conditions, offers, reliability, etc. And there are some nuances here.

If we talk about national pension provision, then within its framework each subject has the right to change the selected NPF no more than once a year and even return to the pension fund.

If we are talking about funded pensions, then at the legislative level there are no restrictions at all on the number of times that are allocated to replace such private enterprises. If there is a desire to move to another subject, then this can be done freely.

But there are interesting provisions here: many companies establish the following interesting rules internally:

  • When transferring part of the savings, the subject loses all or part of the investment profit, thereby reducing the feasibility of such placement to 0;
  • The organization with which the investor is leaving may be charged a fee for service and documentary support;
  • Other disadvantageous provisions that must be specified in the contract.

Therefore, before carrying out such actions, it is better to carefully read the transfer rules so as not to lose all your savings.

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

How to choose the right fund?

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

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

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

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

Comparison: NPF and Pension Fund

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

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

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

  • loss of interest in case of bankruptcy of a company;
  • the license is revoked at the discretion of the state;
  • Only Russian currency is used;
  • when receiving pension payments, tax is charged on investment income;
  • unstable profitability.
  1. Reliability.
  2. Trust from clients.
  3. Stability of profitability indicators and work in general.
  4. Responsibility of the state to clients.
  5. Financial guarantees.
  6. The Pension Fund cannot lose its license.

Disadvantages of the Pension Fund:

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

Since transparency and accessibility of information is very important for any investor, you can contact the Pension Fund and find out about personal pension savings at any time. Customer service is an integral part of the direct responsibilities of pension fund employees. Modern standards are guaranteed to provide an individual approach.

Consult with a specialist about the selection of a suitable program and the timing of its implementation. There are quite a lot of possibilities, and it is best to immediately choose the control option that will satisfy all your needs.

When choosing a non-state pension fund, be guided by whether the fund implements a risk management system or not. The NPF risk control system must establish acceptable levels, monitor and calculate damage from their possible occurrence. In addition, it is worth asking whether forecasts of the occurrence of such risks exist now and whether they will be made in the future. Independent experts use special assessment methods that facilitate their further modeling. It is especially important to find out whether there will be an opportunity to further participate in the process of identifying your funds in risky assets to ensure the safety of your deposits.

Another aspect in choosing a non-state pension fund is the reliability of the fund. The number of non-state pension funds in Russia is growing, but it is worth giving preference to funds that are backed by large companies countries. Information can be found in publications of leading business publications. Check out the programs on the official websites, where you can always find answers to your questions.

Do not forget that the safety of investors’ money is ensured by the fact that pension funds cannot become guarantors of third parties. Stable pension funds include funds with citizens starting from 1 billion rubles. This position is one of the first in the NPF rating and minimizes possible risks.

Quantity pension deposits The foundation ensures confidence in the organization on the part of citizens. The company must have a reserve portion of its assets in order to cover the losses of its investors in the event of force majeure. You will have to be responsible for the amount of your future pension payments yourself. Therefore, in order to ensure a decent old age, it is better to work with a proven fund. It is thanks to the strict requirements for NPF pension funds guarantee complete safety of funds.

NPF rating

To finally decide on the choice of a non-state pension fund, you can be guided by the rating of the most popular and reliable funds:

1. " NPF Lukoil-Garant" This NPF has long been ahead of its competitors, as it occupies a stable position, provides maximum guarantees to clients and is ready to offer a wide range of programs;

2. “NPF Welfare”. Has been operating for 14 years with high profitability and provides clients with guaranteed payments;

3. " NPF Sberbank"is one of the leaders among Russian funds and has fairly high reliability indicators. High ratings, and the service has been appreciated by millions of people in Russia;

4. "NPF Electric Power Industry". About a million people have already entrusted pension insurance to this fund. Main feature is diversification, which helps to minimize possible customer risks;

5. NPF Gazfond has a high investment rate pension savings and guarantees the safety and increase in profitability of deposits.

Today in Russia there are quite a lot of non-state pension funds. Which one to choose is an individual decision for everyone. The main thing is to read all the documents, consult with fund employees and determine best way investments.

A good pension is a guarantee of a decent life in old age. This benefit is intended for citizens who have worked for a certain number of years and have lived to an old age. To provide for the population who have lost their former ability to work, the state pays and... This is a guaranteed right, even if the work experience is short or, the pension will still be assigned. True, its size will then be equal to the minimum established in the country, and the start of payments will shift by several years compared to working citizens.

Not long ago, there were some changes in pension legislation regarding the method of depositing savings into a citizen’s pension account. As you know, such a benefit consists of two parts: insurance and savings. The first accounts for 16%, and the second 6%. If a citizen is from the Pension Fund Russian Federation to a non-state financial institution, then his savings portion will be indexed, and by the time he retires, he will be able to withdraw all his savings or split them into monthly payments.

A future pensioner may, at his own discretion, abolish savings part, directing the entire amount to insurance purposes, thus increasing the monthly maintenance in old age. Such citizens, by default, remain assigned to the Pension Fund, and the employer pays contributions to the state for them.

Legislative aspect of the issue

In the Russian Federation there is a law “On funded pensions” No. 424-FZ, according to it, those insured in the compulsory pension system pension insurance persons during their labor activity form their own capital.

These savings are in the pension accounts of citizens born after 1967, since employers, in accordance with Russian legislation, paid these fees for them.

Besides, State pension co-financing program allows citizens to voluntarily pay contributions at their own discretion. Women who have given birth to a second and subsequent child and have received it have the right to use it to form their own funded part of the pension.

Citizens retain the right to choose the method of pension provision, which lasts for five whole years from the moment insurance contributions begin to be received into an individual personal account. This issue is discussed in paragraph 2 of Article 33.3.

NPF is a non-profit organization that not only provides pensions to citizens, but also conducts its activities in the field of other social guarantees.

The principle of their operation is almost identical to the similar government structure, That's why their main functions very similar:

The legislative framework regulating the functions and activities of NPFs is represented by several legal acts:

  1. Law No. 27-FZ “On individual (personalized) accounting in the compulsory pension insurance system,” which describes how pension savings accounts are maintained.
  2. Federal Law No. 167-FZ of 2001.
  3. Art. 123.17 Civil Code RF, providing the basis for such a fund to carry out its actions.
  4. Federal Law No. 75-FZ, it directly describes the activities of NPFs.

Pension deposits can be placed in a non-state fund belonging to a specific group:

  1. Universal, that is, open - they do not belong to any financial and industrial groups; the overwhelming majority of their assets are the savings of citizens.
  2. Territorial - operate exclusively in a particular region, and are supported by local authorities.
  3. Corporate – work with constituent programs, and the percentage of deposited savings is growing confidently and steadily.
  4. Captives – conduct activities with the founders’ programs.

Criterias of choice

The state has vested NPFs with the authority to form and maintain pensions of Russian citizens, not only compulsory, but also non-state.

The latter refers to the fund’s profit, obtained from the client’s funds with the transfer of a certain percentage to him personally. Also, do not forget about voluntary contributions.

Among the undeniable ones, the main ones can be identified:

Unfortunately, there are some downsides here, namely:

  1. A stable income of a non-state pension fund is not guaranteed, since the organization does not have full confidence in the successful state of affairs in the current reporting period.
  2. There is a possibility that the license of a non-state pension fund will be revoked - then the client will have to transfer his savings to another state or non-state fund, and this in any case entails certain financial costs.

Clause 6 of Article 13 of the Law “On Non-State Pension Funds” No. 175-FZ of May 7, 1998 states that you can transfer your savings between non-state pension funds no more than once a year, so the choice of organization must be deliberate and balanced.

To do this, you need to carefully read the main criteria that determine the optimal option. So, there are several of them:

The best funds by ratings for reliability and profitability

Profitability indicator - an important condition in the ranking of domestic non-state pension funds. It is necessary to understand that this value is not constant - it is generally quite subjective and changeable. Rating positions vary based on the amount of profit received from participation in various types of projects, programs with the participation of investors and special funds.

An important condition for the successful operation of non-state pension funds is the benefit investment policy and company strategy, as well as time resources - how many individual cash will be used in the field of investments.

In 2018, the leading position in this indicator was firmly held by Telecomsoyuz, the second place was taken by the UralSib fund.

As for reliability, today in Russia they are officially accredited only two organizations who are authorized to conduct analytics in this area. According to research, positions are divided in the following way:

  1. NPF Sberbank- leader in the top five. A large number of citizens of retirement age have made their choice in favor of this company, entrusting it with their funded portions of pension accruals. The main motive for this decision is the security of finances at the state level. At the same time, the fund offers its clients several programs so that a person can choose the best option for saving a pension. Insurance, which in this case is mandatory, will allow older people to increase their share through regular contributions. For those who are interested in maintaining existing profitability indicators, Sberbank offers a policy of an individual approach.
  2. Lukoil NPF– work experience at financial market countries - more than two decades. During this period, the institution transformed from a small company into an organization capable of not only reliably preserving the funds entrusted to it, but also actively increasing them. All activities of the company are carried out under the strict control of the trade union, which guarantees the absence of financial leaks and allows for more forward-looking investment of capital.
  3. Confidence– the fund was created almost 20 years ago in Nizhny Novgorod, its founders were independent and reputable Russian companies. By taking an active part in the state co-financing project, Trust gives its users a chance to significantly increase their pension share. Full guarantee from financial risks provided by the Pension Fund.
  4. NPF Soglasie– according to authoritative experts, in 2018 the fund received high marks for profitability, stability, reliability and consistency of its policy, giving investors the opportunity to invest their personal funds as profitably as possible. Its performance, compared to previous years have more than doubled.
  5. European– the fund is in the top ten in almost all ratings and analytical monitoring. This was achieved thanks to the reliability and honesty of his work. A transparent policy allows each user to track the movement of their savings in personal account, which has a positive effect on the fund’s reputation. In addition, he is a participant in the state co-financing program, and also allows you to increase the size of your future pension by investing in a mother’s certificate. The fund develops personal plans for pensioners to increase the income portion of accruals, creating almost ideal conditions for investors for mutually beneficial cooperation.

An important point in determining the highest priority NPF is statistical information - by carefully studying it, you can easily determine which of the fund’s proposals will be the most in demand in 2018.

After the pension reform was completed in our state, citizens of the Russian Federation were asked to leave their pensions in the Pension Fund or choose any of the available NPFs. Before making a transfer, you need to study the rating of non-state pension funds in Russia. This is very important, since their reliability and integrity are the key to a comfortable life after the official end of their working career.

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Savings formation system

A lot of time has already passed since the formation of NPFs in Russia and the beginning of their active activities, but many citizens still do not understand why such a “separation” occurred and how to choose a NPF.

To answer this question, it’s worth delving a little deeper into the savings system. Thus, during the period of active official work, the employer transfers 22% of the citizen’s earnings for his future pension.

Wherein:

  • 6% of this figure is the so-called “solidarity tariff”. This is not taken into account in any way on the personal account of its owner;
  • 16% of the 22% indicated above are the same deductions that subsequently form a person’s pension (insurance pension).

And that is not all. Thus, a citizen of the Russian Federation is given the right to choose how his 16% will behave to organize welfare:

  • all 16% can go to;
  • only 10% of them will be such a part, and the remaining 6% will be .

In addition, a citizen has every right to increase his funded component before retirement by:

  1. Voluntary deposit of funds into the account.
  2. Use maternity capital for these purposes.
  3. Investment finance.

It is worth noting that the Russian Pension Fund has its own management companies (), limited for citizens to choose from. Profitability will depend on the actions of our state to implement a policy of indexing the insurance component, as well as profits from investments of trust management companies.

Important! The citizen chooses the NPF himself, having studied the statistics and ratings of such funds. The profitability of such organizations depends mainly on successful investment. In this case, a person can choose the appropriate one himself, assessing all the criteria, including success, position in the ranking, NPF profitability, popularity, work experience, customer reviews, etc.

How to choose a non-state pension fund

If a citizen has finally decided to transfer the formation of his future pension to a non-state fund, then it is worth paying especially close attention to it.

  • number of years of existence in the financial market;
  • who are the founders of the funds. In this case, information about the companies that are listed as fund participants is important;
  • profitability for the entire period of work, as well as for the last reporting period;
  • “transparency” of the activities of NPFs, that is, accessibility for citizens to study all necessary information about his activities;
  • reputation among the population, the number of positive and negative reviews about the fund’s work, etc.

However, citizens pay more attention to profitability when studying the ratings of pension funds.

Profitability indicator

This factor is one of the key ones in the rating of Russian NPFs. Speaking about it, you need to take into account that this indicator somewhat subjective and changeable. Therefore, positions in the ratings may change depending on the amount of profit from various investment programs, in which the funds participate.

All ratings of Non-State Pension Funds based on the “profitability” indicator are compiled annually. It is better to study those conducted by reputable companies based on in-depth research. The most important compiler NPF rating is Central bank of our state.

He conducts a study of fund returns based on:

  1. What is the profitability of the investment strategy.
  2. How long does it take for an individual person to use their funds in the field of investing?
Important! It should be noted that according to these two criteria, different pension funds may be in first and second place.

For example, in 2018, in first place in terms of investment efficiency (non-state pension provision) was Telecom-Soyuz, and according to the second indicator, the first place was occupied by NPF URALSIB.

Advice! Which NPF to choose based on profitability is the subjective opinion of every citizen.

Do you need information on this issue? and our lawyers will contact you shortly.

Reliability rating


 Compiling reliability ratings of non-state pension funds is one of the main tasks of numerous rating and analytical agencies. A prerequisite for the reliability of the data of such companies is their accreditation in Central Bank Russia. It is on the basis of the information and analytics of this institution that agencies compose their ratings.

Today there are only 2 companies that are included in the specialized register of rating agencies:

  • “Analytical Credit Rating Agency” (ACRA), however, they did not compile the coveted list for 2018;
  • "Expert RA".
Important! It is better to study all Non-state pension funds based on their reliability rating based on their statistical data.

The reliability indicator is very important, as it makes it possible for citizens to assess their risks as an insured person before signing an agreement with one or another NPF.

Expert RA has developed a universal and very convenient scale by which you can easily determine the level of reliability of a fund. There are such designations (some of them):

  1. “A++” is considered the best. A fund with this level is not afraid of crises and unstable financial condition;
  2. “A+” are institutions with a very good reputation, almost impeccable;
  3. The group of funds with indicator “A” are also leaders, but a little short of the mark of so-called “unsinkability”;
  4. following letter designation with two, one plus and without one - this is “B”. If we consider them together, it can be noted that such non-state pension funds have a satisfactory reputation and do not have bad reviews, but in some cases some doubts have arisen. Non-state pension funds of category “B” have a low level of reliability and do not guarantee a clear line of stability;
  5. as you can already guess, the next grouping is designated as “C++”, “C+”, “C”. Two pluses indicate that the background is more or less reliable, but there is a high probability that it will be declared insolvent (bankrupt) or that the license will be revoked for one reason or another. One “+” in the rating means an unsatisfactory state of reliability. “C” is the disgusting reputation of non-state pension funds that do not provide their clients with due attention and poorly fulfill their obligations;
  6. further, at the very end of the rating you can find companies to which the designations “D” and “E” are attached. The first of them shows NPFs that are bankrupt, the second shows enterprises that have lost their license or are being liquidated.
Name Founding year Assets (thousand rubles) Capital (thousand rubles) Penny. accumulated (thousand rubles, market value) Number of insurances. persons Number of insurances. persons, received penny Payments of pensions under compulsory pension insurance (thousand rubles)
JSC NPF Sberbank1995 468241144 20340270 443721612,1 6828053 8423 165618,53
JSC NPF LUKOIL-GARANT1994 283952857 9092892 253195394,3 3507809 13275 239940,39
JSC NPF FUTURE2004 295774586 2270125 289771636,6 4445180 10146 162710,97
OJSC NPF Gazfond Pension Savings1994 181150751 9414120 178316651,8 1468673 38291 70523,81
OJSC "NPF RGS"2002 198893355 13550119 182152160,9 3162840 2746 62087,37
JSC "NPF" VTB Pension fund"2007 140169776 6457089 135915144,2 1543012 3818 43605,38
CJSC "KITFinance NPF"2002 121749816 8604921 119947581 2203529 2183 35025,53
JSC "NPF Electric Power Industry"1994 141332676 8009371 91227060,97 1059902 3170 53974,37
CJSC NPF Promagrofond1994 87638375 7900901 85016612,95 1784601 64300 58209,11
JSC NPF Doverie1997 98628101 2543386 98287978,21 1962949 372 11374,44
CJSC NPF Heritage1993 70909207 5240782 54429971,13 791388 4190 59663,15
JSC NPF Soglasie1994 72856577 2152714 71691067,99 1143020 723 10473,42
JSC "MNPF "Bolshoi"1996 37113495 2134300 34163293,02 409941 2511 48144,28
JSC NPF "SAFMAR"2004 201303967 8363374 188296293,6 2270915 2153 43793,1
JSC National Non-State Pension Fund1997 32888130 4380178 16428195,69 280404 1224 23953,12
JSC NPF Sotsium1994 16869564 1017790 14549440,74 239629 1003 10950,22
JSC "Khanty-Mansiysk NPF"1995 30234260 936782 12959137,74 128421 1155 23987,09
JSC NPF Magnit1995 12772816 623159 12267579,17 222093 115 605,99
JSC NPF Surgutneftegas1995 32781595 11408340 8260013,28 36106 98 3742,1
JSC NPF Social Development1997 10443519 984294 6784921,13 89978 523 7715,01
JSC NPF Transneft2000 89546597 11602555 8828190,05 50824 210 4182,74
JSC NPF "UMMC-Perspective"2001 10221054 1230434 7623226,51 74842 472 9642,66
JSC NPF NEFTEGARANT2000 7255935 652004 6857824,78 65152 310 6418,88
JSC NPF Atomfond1994 6366875 363909 6097735,61 53664 593 11850,5
JSC NPF OPF named after. V.V. Livanova2000 6899086 306307 4603229,84 58561 1010 1550,76
CJSC Orenburg NPF Doverie1993 5968798 423299 5485052,49 108789 7213 6366,79
JSC NPF Obrazovanie2001 6048737 473003 5356827,24 109119 400 5875,27
JSC NPF Stroykompleks1994 4323648 537469 2872500,41 42573 55 2862,44
JSC "NPF "Diamond Autumn"1995 19315536 1464355 3424095,82 34263 6861 8409,03
JSC NPF Volga-Capital1999 5752254 323557 4138795,71 67082 176 2804,27
JSC NPF Vladimir1995 5575015 810900 1946506,32 18373 177 3352,96
JSC NPF First Industrial Alliance1999 6069852 712346 1672092,46 32509 327 3907,53
JSC NPF Gefest1993 3362079 278690 2799468 32266 196 3940,63
JSC NPF Telecom-Soyuz1996 34428076 11014272 1751302,23 17485 138 3220,68
JSC NPF JSC NPF OPK1994 1942356 226879 1031628,77 13227 227 2354,74
OJSC "MNPF "AKVILON"1998 2072889 360018 1023334,62 12005 36 644,82
JSC NPF "Rostvertol"1994 2117831 248302 752847,48 9812 66 1283,49
JSC "NPF "Professional"2001 5870258 3012297 870696,15 8935 40 754,84
JSC NPF Federation (JSC NPF Captain)1994 1852213 179330 1681676,91 30460 111 4108,85
JSC NPF AVTOVAZ1994 2485698 294277 840826,81 7617 26 549,08
JSC NPF Alliance2004 3548242 353390 467499,81 2452 3 289,04

Other indicators

In addition, rating companies compile lists based on the following indicators:

  • number of participants;
  • the size of the average customer account;
  • the amount of pensions paid;
  • on capital and reserves, etc.

They can be found on the official website of Expert RA.

Attention! Citizens are given the right to move from one non-state fund to another if it turns out that another NPF’s performance has increased and its place in the ranking has become higher. Important! At early termination relationship with a non-state pension fund, the investor bears the risk of loss of investment profit. Since the end of 2017, the Bank of Russia has decided to oblige NPFs to notify future pensioners in advance about such risks. Previously, this was left to the discretion of NPFs themselves.

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We describe typical ways to resolve legal issues, but each case is unique and requires individual legal assistance.

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