Today, more and more people are investing in private pension funds (NPFs). This allows you to form a decent retirement pension. In addition, each company offers its own conditions. The rating of private pension funds will make the right choice. It will be discussed in the article.
NPF is a form of non-profit organizations working in the field of social security (except for old-age pensions). This activity is regulated by law, so any violations lead to liability.
Features of the NPF
These organizations have almost no differences from state PFs. Institutions typically performs:
- Payment of pensions.
- Accounting for money.
- Investing in shares and stocks, bonds.
- The accumulation of capital.
Commercial organizations may be included in one of the following groups:
- Open or universal do not apply to the financial industry. Investor funds are assets.
- Territorial supported by local authorities, work only in a specific region.
- Corporate operate on the basis of the programs of the founders.
- Captive work with the programs of the founders.
The reliability rating of private pension funds is indicated below. It is formed by savings, by the number of customers. Reviews about these companies are almost exclusively positive.
Lukoil-Garant
Launches the rating of non-state pension funds Lukoil-Garant. The company was founded in 1994. It is one of the first for several reasons:
- It occupies 14% of the market, serves up to 3 million 300 thousand people.
- Savings amount to about 149,289,065,000 rubles.
- There are no complaints about financial fraud over a long period of work.
- There are many rewards.
There is a calculator on the official resource, thanks to which it will be possible to evaluate the accumulation. Testimonials indicate the reliable operation of the company.
NPF Surgutneftegas JSC
This company continues the rating of non-state pension funds, as it is known for its stability and reliability. The fund has a high average annual income of 11.5-12%.
Clients have access to the calculation of the structure of the placement of savings, investment tools that increase revenue. Reserves exceed the amount of accumulations by more than 3 times. Income is higher than inflation.
NPF "European"
The company ranks 3rd in the rating of non-state pension funds. Her average annual income is about 14%. Customers have several advantages:
- Long and successful work.
- Individual program.
- Personal approach using European service standards.
The company is under the control of the Central Bank of Russia, which is also important.
NPF Sberbank JSC
The company ranks 4th in the rating of non-state pension funds. Reviews confirm the high quality of service and reliability of services. Over 1 million customers are satisfied with these NPFs.
The institution strictly monitors the placement of savings, providing investors with the necessary information. There are many programs for retirement savings and to improve business performance.
NPF Promagrofond
The company is completing a rating of non-state pension funds. Customer reviews indicate the reliability of the organization. The fund is in demand among companies with a license. This NPF has over 2 million customers. Savings amount to about 72,281,723 rubles. The company has branches throughout the country, which is also important.
Information about the funds is updated annually. Their work is analyzed by various agencies. It is important to focus on the amount of finance, profitability, stability, reliability, customer reviews. In this case, you need to analyze information for several years. If the company is reliable, it always attracts new customers. It is advisable to choose the optimal ratio of profitability, reliability and stability. Then cooperation with the company will be effective.