Today, talk about how to properly invest pension capital so that you can live comfortably until the end of your days can be heard everywhere. And this is not to be surprised. Many Russians are concerned about the question of what kind of pension they will be able to expect in the future, and is there a real opportunity to increase it. Most cannot give a clear answer to the question about pension savings: where to invest these financial resources? And some generally have a distant idea of what the abbreviations UK, NPF and PFR are.
Everyone should think about how to increase their own pension.
So, you have pension savings. Where to put them - you do not know. What can be advised in this case? As an option, invest money in a private pension fund (NPF). Moreover, it is considered that the larger the authorized capital of a given structure, the more reliable it is. However, this is far from the only indicator of reliability.
At present, everyone should independently take care of their future pension through its individual formation. First of all, we are talking about its cumulative part.
Today it is not enough to have pension savings. Where to put them is the main thing. Yes, you can opt for the state structure of the pension fund, but then do not expect that in a few years you will receive a “large” pension, since the yield in this case will be scanty.
Partnership with NPF
If you have decided to entrust your financial capital to a non-governmental institution, then everything should be carefully weighed. Analyze how long the NPF has been operating in the market, what reputation it has gained during this time. It will be useful to familiarize yourself with the statutory provisions of the company in order to learn more about how money is accumulated, with what instruments investment is carried out, and what is the procedure for paying an additional non-state pension.
If you still doubt, having retirement savings, where to invest them, consult with financial experts. In this matter, you will also be helped by the popularity rating of NPFs that are compiled by independent agencies. It should be noted that the above procedure is inherently quite complicated - it is carried out using multifactor calculation models.
That is why such a verification of the reliability of the fund will be of the highest quality.
Pay attention also to the fact that the client base of a non-state pension fund is wide.
And, of course, carefully analyze the question of what is the profitability of the institution over the past year.
Partnership with the management company
Where else to invest pension savings? Russian reviews indicate that some prefer to trust their money to a management company (UK). Again, the choice of the latter should be approached with all seriousness and responsibility. Check how long the management company has been providing pension savings services, and what business reputation it has entrenched. Also check the percentage of return on the management company.
Many do not want to give their money to the Criminal Code only because in case of unforeseen situations financial claims cannot be submitted to it, since contractual relations are not legally drawn up.
One way or another, but the question of where it is better to invest pension savings, everyone must decide individually.