For many Russians, the issue of pensions is still complex and incomprehensible. The changed mechanism for the accumulation of pension contributions makes it necessary to decide in a short time: leave everything unchanged and completely entrust the state with the formation of the amount or invest 6% of the employer's contributions in non-state pension funds to enlarge the final money supply. The rating of NPFs of Russia is published annually in official sources so that people can choose the most reliable of them. What organizations can be called the best for placing their pension contributions today according to official statistics?
OAO NPF RGS
Rosgosstrakh is one of the largest insurance companies, which has created its own private pension fund. The main shareholder is LLC “REDVANS”, the chairman of the Board of Directors is Alkhas Ivanovich Sangulia.
OJSC NPF RGS has one of the widest networks according to statistics of the rating of NPFs of Russia: more than 3,500 service points and 66 branches in Russia.
After research, the National Rating Agency confirmed the reliable status of the fund and considers it stable.
Those customers who placed their funded contributions 8 years ago have already doubled the amount of deposits. Profitability in 2016 reached 11.77% per annum, so cash is growing even with inflation.
NPF SAFMAR JSC
The consistently high rating of NPFs in Russia belongs to the SAFMAR pension fund. More than 2.3 million customers entrusted 192 billion rubles to the investment management of the company, in terms of money supply, which ranks 4th among all non-state pension funds.
Customer deposits work in several areas of investment activity in order to reduce risks, but at the same time increase profitability. Part of the funds (about 11.25%) is placed on active deposits with various partner banks, 51.43% of the contributions are used to purchase bonds of the Russian Federation, and 4.49% - on government securities. There are 3 more main directions of using funded pensions, which facilitate timely payment of obligations for clients receiving a pension.
In addition, the NPF itself is part of the SAMFAR financial group, which has its own assets in the field of construction, industry and is a member of the Association of European Businesses.
NPF FUTURE JSC
A company that has already attracted more than 4.5 million customers. The General Director is Nikolai Sidorov, who for a long time held leading positions in the Russian banking sector.
The leading team of JSC NPF FUTURE makes every effort to ensure that the fund is included in the rating of NPFs in Russia in terms of profitability, and it successfully copes with this task, providing a place in the top five.
The fund manages over 290 billion rubles, and in terms of the number of insured persons it ranks second throughout Russia.
All deposits are insured by the State Deposit Insurance Agency, which gives a guarantee to the clients of the reliability of the fund.
In the event that a citizen of the Russian Federation decides to transfer his 6% of monthly accruals to NPF FUTURE, then pension payments will receive an additional payment of 1,500 to 17,000 rubles every month, depending on the size of the salary, the accumulated amount and the length of service.
NPF Sberbank JSC
The largest fund by the number of clients (more than 7 million) operates under the supervision of the Savings Bank of Russia. The NPF profitability rating shows that Sberbank's NPF is firmly in the top five, giving its customers an annual increase in contributions of 9.4% per annum.
Investments are made both in government securities and in stocks and deposits. Placement of money supply is carried out as deposits only in reliable and stable banks, which guarantees the fulfillment of all obligations to customers.
More than 6,500 customer service points throughout Russia carry out advisory activities, which are subject to regular monitoring.
NPF Sberbank is included in the system of insurance of guarantees for customers, which for many is a leading indicator. Sberbank's banking system includes servicing more than 70% of Russians and therefore is a priority and reliable partner in the field of pension accumulation.
NPF LUKOIL-GARANT JSC
NPF LUKOIL-GARANT is a fund that has many awards, including in the categories Corporate Pension Program of the Year and Leader in the Compulsory Pension Insurance System, also included in the rating of NPFs of Russia.
More than 3.3 million customers have already entrusted their retirement savings to this organization. The sole shareholder of the fund is Invest-Holding LLC, the chairman of the Board of Directors is Evgeny Leonidovich Dankevich, and Denis Yurievich Rudomanenko is appointed as the general director.
The partners of the fund are such companies as: "RADON", "LUKOIL", "Uralchimplast", "AK" Tulamashzavod ", Desmet Ballestra and other well-known and stable organizations.
In 2016, the return on investments amounted to 8.22% per annum.
JSC "NPF" GAZFOND pension savings "
The leading line in the rating of NPFs of Russia in terms of profitability is NPF GAZFOND Pension Accumulations. Among the advantages of transferring a funded pension to this company are:
- incomes that will be received from monthly transfers are summarized and further invested;
- the possibility of obtaining all accumulations by successors.
Each deposit is insured by the Deposit Insurance Agency. The average yield in NPF GAZFOND is 8.77%, and in 2016 this indicator reached 11%.
As for the rating of NPFs of Russia in terms of reliability, the company also does not cause fear among customers: in recent years it has been among the top five and has repeatedly occupied the first line.
In addition, the Fund constantly receives awards and bonuses for its activities, is evaluated by world economic experts and participates in prestigious competitions, where it receives the highest rating.