Sooner or later, everyone thinks about their future. Especially this issue worries elderly people, because the main problem for them is to live on one pension. Today, according to the approved legislative projects of the Russian Federation, a person has the right to independently choose an institution for receiving pension payments - whether it is a Russian Pension Fund or a non-governmental structure. Such a decision must be reasoned and "balanced", since such an organization can be changed only once a year. Let's take a look at which non-state pension funds (NPF) you should pay attention to, and consider the main selection criteria.

What are the advantages of NPF

The activities of such an organization are subject to licensing and are strictly controlled by the state. Almost every fund has a reserve, where a "rigid framework" is established for the spending of authorized funds. This suggests that NPF depositors are fully insured against "collapse", and their funds are in a safe place.

Among the main advantages of transferring pensions to a non-state fund are:

• high profitability of pension capital;
• an individual approach to each participant;
• simplicity and convenience of the service (online banking, SMS notifications, etc.);
• the possibility of transferring the accumulated funds as an inheritance to a close relative;
• trouble-free termination of the contract in favor of the Pension Fund of Russia or another non-governmental organization.

More detailed information on the principles of NPF activity can be found in the Law of the Russian Federation “On Non-State Pension Funds”.

You can also download on our website:

1. How to make the right choice

   In order to find a decent fund, you should do a little analysis of the pension market. It is better to evaluate NPFs in stages, using the following selection criteria:

   1. Profitability level. This indicator should exceed the rate of inflation, but to an insignificant extent. A detailed analysis of the profitability of leading private pension funds can be found in periodicals of well-known rating institutions such as Expert RA, etc. This assessment is carried out on the basis of the financial statements of the largest non-state funds and management companies.
   2. Term of activity. Today the pension market is "rich" in such organizations that provide their services for only a couple of years. Undoubtedly, it is better to choose an "experienced" fund, which has proven a stable position for over 10 years.
   3. Founding staff. You should not pay attention to those companies where founders often change. Consistency is one of the most important factors in the well-being of the fund.
   4. Transparency policy. It is very important that information on the activities of the NPF is accessible to all its participants. The fund's website should contain data on the results of its work, the number of contributors and the founding staff. Do not forget to double-check all the information using business publications in the world of economics and the official portals of rating companies.

   Detailed instructions on transferring to an NPF can be found in the article on our website

   Advice: taking into account all of the above factors, conduct a mini-rating in each of the categories (choose no more than five funds). And then look at which NPF is leading in all groups.

   "The best of the best"

   1. Lukoil-Garant is an organization with over 3 million depositors. This institution has been operating since 1994, and today it occupies a leading position in the pension savings program of the Russian Federation.
   2. "Welfare" - this fund is marked by the rating center "Expert RA" as trustworthy (on the rating scale it is marked A ++). The organization has been providing its services for 19 years, which is reflected in the form of a 2 million client base and high assets.
   3. Gazfond is a relatively young, but rapidly growing organization. It was founded in 2004 by the founders of Gazprom, Gazprombank and other well-known companies. In 2009, the fund was already awarded the title of "the highest level of reliability" from the Expert RA group, which remains unchanged to this day.
   4. NPF from Sberbank is one of the leading and worthy non-state funds. By 2015, its client base exceeded the 3 million mark, and all rating agencies annually confirm the high reliability of the company. The secret of its success is simple: the fund offers its clients simple and convenient service conditions.

   Before transferring a pension to a non-state fund, weigh the pros and cons of such a decision. Calculate the income, the level of reliability of the NPF and study all the recommendations of the revocable companies. And if you find it difficult to determine the numbers and indicators, it is better to contact a specialist in this matter for advice.

Pensions and everything connected with them are still a sore point for many. If until 2014 everything was simple, then since January 2014 the pension has been divided into two parts. It is insurance and savings. Moreover, it became possible to save the funded part not only in the state pension fund, but also in the non-state one (NPF). However, the composition of the pension is changing dramatically.

So, for example, 22% of the insurance part that the employer transfers to the pension fund is formed in two ways.

The first is as follows: 16% out of 22 make up the insurance part related to social needs. 6% are funded contributions that can be received upon retirement or in a lump sum, or by dividing them into monthly payments. But this is on condition that the transfer was made to any NPF.

The second method consists only of the insurance part. That is, a citizen voluntarily renounces the funded part.

But here, too, there are limitations. Those born before 1967 cannot change their insurance pension. The only thing they can do is to join any private programs that are part of the co-financing of pensions. This can be done either in the branch of the Russian Pension Fund of Russia, or in the offices of the company itself.

The rest of the citizens have the right to choose any NPF. The main thing that is necessary is to study the state of this fund and whether it will be able to provide you with the accumulation of a pension.

Moreover, only the funded part of the pension can be disposed of, the insurance and fixed payments remain with the Pension Fund.

Which NPF is it better to go to, where is the higher profitability and higher reliability?

So, the important components when choosing an NPF are its reliability and profitability. All this becomes clear when studying the rating of funds, reviews of both specialists and clients.

In addition to these data, a number of important parameters should also be taken into account. The important point here is the age of the fund and who are its founders. The older the fund, the more reliable it is, naturally. The level of the fund's profitability and the openness of its information also play an important role. And, of course, in the age of Internet technologies, the convenience of the service on the fund's Internet portal, as well as the hotline, is important.

When choosing an NPF and the subsequent transition to another, it is necessary to remember that the transition is carried out once every five years. Otherwise, the income from your investments will be lost.

In general, it is rather difficult to advise this or that fund. Everyone chooses independently. Even a fund with a high rating may be liked by some and not by others. And, moreover, those who do not like a fund with a high rating can praise a fund with a much lower rating.

The only thing is, take into account the above criteria for choosing an NFP, and then decide on your own.

It should only be noted that the most strong and wealthy funds are recognized as "Future", "KITFinance-NPF", "Lukoil-Garant", "NPF Elektroenergetiki", "NPF Sberbank"

How to find out which NPF the deductions go to?

More than 120 different pension funds are currently operating in our country. Each of them offers their own services. We often know to which fund we transferred our funded part. But sometimes, especially when applying for a loan, or any other financial transactions, we are offered to join some fund, which we happily forget. How do we know where we left our pension?

There are several ways to do this. The most traditional one is to go to the accounting department at the place of your employment, or to the territorial branch of the pension fund. Be sure not to forget SNILS. By its number you will find the information you need. It will be possible to receive it in 10 days either by coming in person or by mail.

Well, and a faster option, in which you do not need to go anywhere, is to receive data on the State Service portal.

How to choose the best NPF, is there a rating?

Naturally, like any other organization, each NPF has its own ratings. It goes without saying that when choosing a fund, you must rely on these indicators.

These include such as how many years this organization has been in the financial market. It is also important who is its founder. Most prefer to choose according to profitability and reputation.

In addition, a special rating agency has developed a scale by which the reliability of a company is determined. This scale consists of 10 levels or categories. From A ++ to B +, it is awarded to those funds that are reliable or have proven themselves quite positively. In general, this scale is as follows:

A ++ - the most reliable and crisis-resistant funds

A - fairly reliable funds

В ++ - funds, although they have an average level of reliability, but do not have negative reviews

B + - dubious funds

B - funds with a low level of reliability, there are practically no guarantees

C ++ and C + - funds with possible license revocation

C - funds with a bad reputation and reviews

D - bankrupt

E - revocation of the license or in the process of liquidation.

Below is a list of funds that, according to this scale, have the A ++ level - the highest, and therefore recommended for cooperation:

• "Diamond Autumn"
• "Atomgarant"
• "Welfare"
• "Welfare EMENSY"
• "Large"
• "Vladimir"
• VTB PF
• Gazfond
• "European PF"
• Kit Finance
• "National"
• "Neftegarant"
• "Gazfond pension savings"
• "Promagrofond"
• "SAFMAR"
• "RGS"
• Sberbank
• JSC "Surgutneftegas"

But there are many funds and you yourself have the right to choose the one that suits you.

Welcome dear reader to the site. The permanent editor Elena Neva is with you and we will continue the topic of pension savings. Before proceeding, I recommend that you familiarize yourself with where the basic questions are disclosed in great detail. Russians do not have a wide choice of options for forming their pensions. For those who have a high level of income, investment instruments are available:, and so on.

For the bulk of the population, a simple way to increase their income is to choose the Pension Fund. But will all the funds provide the desired increase in money? Which fund should you prefer, state or non-state? Read about the risks of future retirees and how to avoid them in our article.

The pension is just around the corner. How pensioners' income is calculated today

Pension reforms in Russia have become commonplace. The laws and methods of calculating future pensions are changing. Now points have appeared in the calculation, but the funded part has not been canceled, on the contrary, the income of the future pensioner depends on its volume. Let's figure out what the funded part of the pension is, and how you can increase it.

The pension of Russians is formed of two parts: insurance and funded. Everyone will receive insurance, it is established and guaranteed by the state. The funded part depends on the citizen's income: it is formed from employers' contributions deducted from the "white" salary.

At the same time, it is legally established that citizens born in 1967 and older do not participate in the funded system. The state guarantees them the accrual of an insurance pension. But at the same time, everyone has the right to form pension capital by concluding an individual agreement with the NPF.

On the website of the Russian Pension Fund there is a calculator for calculating the insurance part http://www.pfrf.ru/eservices/calc/ and everyone can get a forecast of their future income. As for the funded pension, its monthly amount depends on the total amount of savings in the personal account of a citizen by the time of retirement.

For citizens born in 1968, the funded pension scheme looks something like this: during the entire labor activity, deductions are made to a personal account with the Pension Fund of the Russian Federation or NPF, in the amount of 6% of the employer's contributions. For example, with an official salary of 20,000 rubles, the monthly contribution was 1,200 rubles.

These amounts were accumulated and invested by funds to increase income. Thus, by the time of retirement, the citizen will have accumulated pension capital. The sum of the funded pension will be paid from it on a monthly basis.

It should be noted that since 2014, Russia has had a moratorium on the formation of the funded part: all contributions are sent to the insurance part.

The accumulated capital formed before 2014 remains on the personal accounts of citizens in pension funds, these amounts are annually accrued on investment income. A citizen has the right to dispose of these funds, transfer it to a non-state pension fund, or leave it under the control of Vnesheconombank.

In 2017, a period of 240 months is used to calculate payments for the funded part. That is, if an amount of 480,000 rubles is formed on your personal account, then you will be able to receive 2,000 rubles of funded pension every month, in addition to the insurance one.

The more efficiently pension funds manage their capital, the higher the amount of savings, and thus the higher the size of the future pension. Therefore, Russians today are increasingly asking themselves the question of how to choose a pension fund for the funded part of their pension.

It is quite difficult to make the right choice, given the peculiarities of the financial system and frequently changing laws. I offer readers a number of practical recommendations.

What is the best choice?

So, you are thinking about your future pension, and you want to increase it. If the options for bank deposits, buying assets, real estate or stocks do not appeal to you, then you should look for a reliable retirement fund.

And if, moreover, you have a funded part, this task becomes urgent: today the crisis is in full swing, some financial structures are deprived of licenses. And choosing the right non-profit fund for managing pension savings today means avoiding the risk of losing your funds.

Individual pension plan

Citizens can opt for an individual agreement with an NPF. The principle is simple: an agreement is concluded, a citizen deposits his own funds into his personal account, and the NPF invests them. This option is available to everyone, regardless of age.

Upon retirement, a citizen applies to the NPF for the payment of a funded pension. The accumulated amount can be received at a time or in equal parts during the period chosen by the citizen.

The advantages of this method include the possibility of obtaining a higher income than on bank deposits: today NPFs charge interest in the range from 7% to 12% per annum. But there is also a minus: as a rule, NPFs conclude urgent individual pension plans. That is, the money cannot be received until a certain period.

Another advantage of choosing an individual plan is the ease of maintenance: many large funds offer to open a contract online.

For example, on the Sberbank NPF website, you can conclude an agreement and start transferring amounts using your personal account. More details here: http://www.npfsberbanka.ru/increase_pension/?from=site_main_page_button_npo_online

Selection criteria for NPF

When choosing who to entrust the financing of a future pension, it is necessary to take into account not only the advertising of the profitability of funds. I recommend analyzing a financial company for a number of parameters:

• The period of the NPF's activity. The earlier the fund was created, the more reliable it is;

• Ranking position. Focus on the assessment of independent agencies. For example, the National Rating Agency regularly publishes data on the activities of NPFs: http://www.ra-national.ru/ru/taxonomy/term/114?type=rating;

• The composition of the shareholders. If the founders of the fund include large industrial and financial structures, this is a certain guarantee for clients;
• Main factors. Pay attention to the level of profitability and resources of APF: the amount of savings, reserves.

The number of citizens who have entrusted their funds to the foundation is also important. It is better to give preference to a working fund with hundreds of thousands of depositors, rather than a newly created company that declares high incomes for several dozen of its clients;

• Service friendliness and popular rating. When making the final choice in favor of NPF, we advise you to pay attention to the service and customer reviews. Evaluate the quality of the site, the convenience of online services, the presence of a personal account and support service. Feedback from regular clients of the fund will help you make a decision.

TOP 3 reliable funds

I offer readers a brief information about the funds that took the first lines in the rating of the NRA of Russia.

Perhaps this video will be useful for you:

1 - NPF BLAGOSOSTOYANIYE

The fund was established in 1996 in Moscow; Russian Railways is one of its founders. The organization's own assets are estimated at 334 billion rubles, and the volume of pension reserves today is 326 billion rubles.

More than 1.2 million citizens have entrusted their savings to the Blagosostoyanie Foundation. Since 2012, the NPF has been confirming its stable work, receiving the highest marks in the rating.

2 - NPF GAZFOND

NPF was founded in 1994, among its founders are PJSC Gazprom, JSC Gazprombank. In 2017, the fund's pension reserves amounted to RUB 360 billion. The number of insured persons exceeded 1.3 million.

We draw the attention of our readers to the changes taking place: since August 2016, the NPF Gazfond has been reorganized.

It was joined by NPF KITFinance, Heritage and Promagrofond. Accordingly, it is possible to predict the future stable operation of the fund, its leadership in the market.

3 - NPF LUKOIL-GARANT

One of the first NPFs in Russia, LUKOIL-GARANT, was established in 1994. The volume of its own property today is 265 billion rubles, the number of clients exceeds 2.7 million people.

Since 2015, the fund has been a member of the system for guaranteeing the rights of insured persons. The fund uses the services of several management companies, choosing a balanced investment strategy.

To each his own: funded pension in Russia

Despite frequent changes in laws, the essence of the pension reform remains unchanged. The state forces people to take care of their future and form a funded pension.

I invite readers to evaluate their resources and decide how to use them profitably. Read about other ways to increase personal income in our next articles.

Which one is better to choose a pension fund: state or non-state? The controversy about this has not subsided for several years now. Defenders of the state appeal to the reliability of such a structure, while those who like profit suggest working with private individuals. It is not always easy to understand what is right for yourself. Which pension fund should you choose? Reliability ratings of private companies, published annually by leading statistical publications, provide guidance in this matter. It will not be superfluous to get acquainted with the opinions of professional investors.

Pension is the future

It is no secret that after the pension reform, many (especially young people) decided for themselves that they should not count on retirement. Indeed, the state, as far as possible, has relinquished its obligations to ensure the life in the future of those who are now of working age. Instead, every citizen has the right to choose a fund for himself to transfer certain amounts. The pension will be paid from these savings in the future. In fact, this is a long-term investment, and the questions about which one to choose a non-state pension fund (or is it a state one?) Are really relevant - the answer to them determines the future of a person.

The attitude towards pension should be as responsible as possible. Man today completely determines his own future. Although it seems that it is still very long before retirement years, it is better to make savings in advance, and for this you need to know which pension fund is better: state or non-state. It must be remembered that with the wrong choice in the future, the pension will turn out to be very small even for those who now have average wages and above average.

Think sooner rather than later

Which pension fund is better? The controversy about this has not subsided for several years now. Traditionally, people work with the state Pension Fund of the Russian Federation. Conditions in it are not the best, but private traders offer high interest rates. Which pension fund is better? One is more reliable, it will definitely not burn out, but you want to take the risk in order to drink the best champagne later.

A non-state PF is a specific legal entity that is subject to specially adopted regulatory legal acts. The first NPFs in our country appeared in the turbulent nineties, when in 1992 order number 1077 was issued. After some time, the situation cleared up with the introduction of Federal Law No. 75, and now NPFs are represented in a fairly wide variety. On the one hand, this gives the right to choose, making a decision in favor of the best option, on the other hand, it complicates the task: which non-state pension fund is better to choose? Currently, the number of funds in our country is about one and a half hundred.

NPF and Pension Fund

The non-state PF specializes in providing retirement benefits to its clients. To do this, you need to be among the participants and comply with the terms of the signed agreement. At the same time, the fund cooperates with insurance companies, which makes it possible to implement the requirements of the compulsory insurance program. In fact, modern NPFs are similar in their activities to the PF RF, are subject to the same law, and follow the provisions of generally accepted regulations. A reliable company has quite impressive accounts, where funds received from the population are accumulated. Since the company invests the money entrusted to it, the funds grow in volume from year to year. Then a monthly reward is paid from them to the retired participants of the fund. Studying the ratings of non-state pension funds (which one to choose is not the easiest question), one must remember that such a company will be responsible for the funded part of pension payments.

If we consider the state structure, then it is worth noting: for it, the regulations are exactly the same as for private traders, it is subject to the same laws. The logic of the work is generally similar to that of private traders. The state Pension Fund collects money from the population, invests it, and pays pension contributions to those who are entitled to it.

When figuring out which state pension fund to choose, you need to remember that such a legal entity not only pays pensions, but also calculates, charges these amounts, and also takes into account the insurance part. The RF PF has obligations to pay social benefits to specific groups of people (veterans, disabled people). The state structure receives funds from employers, settles accounts with the population under the maternity capital program and is the main legal entity implementing the state pension program. The FIU also works with a number of government programs and maintains the personal accounts of all insured persons.

It is important!

If a working citizen of our country does not know which pension fund to choose: state or non-state, he should take into account that, before a specialized decision on his part, all funds are deducted in favor of the state structure. If this person concludes an agreement with a private trader, then the deductions will be sent to the new address. If you wish, you can then return the savings back to the state structure. When figuring out which pension fund to choose (state or non-state), it is necessary, as a decision is made, not to hesitate with its implementation. For example, if it was decided that a private trader is preferable, you need to choose a company and sign an agreement with it at the company's office in order to transfer your money there. Otherwise, delay leads to financial losses.

In the standard version, the PF RF rate is 22%, 16% is spent on savings, the other six percent is insurance. When figuring out which pension fund to choose, you need to pay attention: when cooperating with private traders, the client often has the opportunity to independently choose how large the deductions should be, what percentage of them should be sent to the funded part, and what percentage to the insurance part.

Analyzing which pension fund is better to choose, you can see that the logic of the work of public and private structures is similar. At the same time, the PF RF is a well-established legal entity that has assistance from the budget. The turnover of this fund is huge, the volume of work is also huge. Employers send contributions according to established laws, and all these contributions are automatically taken into account to calculate a person's future pension.

When comparing which pension fund is better to choose, it can be recalled that the state structure in recent years has established a system of reporting to individuals. From year to year, many receive a statement from their personal account. This allows you to keep the situation under control, constantly monitoring how large your personal savings are. The state-owned company is engaged in indexing, thanks to which inflation does not so much affect the savings of the population. Undoubtedly, this is an important plus that must be taken into account when analyzing which pension fund to choose. At the same time, the indexation is not so significant as to completely absorb inflation, which at times in our country sets at astronomical levels.

Both this and that

As can be seen from the officially published pension plan, in cooperation with the state fund, one can count on depreciation protection. However, when analyzing different proposals (and this is a necessary measure in order to choose which pension fund is better), one can notice that private structures also promise such protection and also talk about the revaluation of savings taking into account inflation. A state-owned company can resort to a rather limited list of opportunities to build capital (government bonds), but private companies have more methods available.

When analyzing which pension fund to choose, one should also take into account that non-state companies accumulate primarily the funded part, but insurance premiums are still transferred to the Pension Fund of the Russian Federation. From year to year, such savings become more and more, which is due to the income of a private company. For the most part, PFs receive money through successful investment, and when analyzing which pension fund to choose, you need to remember that investing is always associated with a number of risks. Of course, NPFs have access to a wide range of tools for building up reserves, but some of them are rather dubious. If the chosen method of earning is unprofitable, there is a possibility that no one will help NPFs and unlucky clients who entrusted their savings to this company.

NPF: positive aspects

If you analyze the general conclusions of experts on this issue, you will notice that many pay attention to efficiency - it is non-state companies that dispose of funds with the greatest profit, since they have all the opportunities for this. At the same time, the activities of such firms are subject to the current legislation, which means that only legal methods are applied. In recent years, the practice of regular inspection of the activities of non-state funds by the state authorities responsible for them has been established.

Cooperating with NPF is not only profitable, but also convenient. Unlike the state structure, there are usually no queues here, and there are offices in any small town. In large populated cities, several branches are usually open in different parts of the city, so it is convenient for clients to come and write an application, sign an agreement or request information on their personal account. Consulting in commercial firms is also at its best, because it depends on whether the client will go to another organization, and the number of clients determines the success of the company. In recent years, non-state pension funds have attracted clientele through agents hired specifically to provide attention to their activities. Agents look for clients, instruct the general public, talk about the benefits of a particular company. It is easy and quick to conclude a contract through such an intermediary.

Is it reliable or not?

In cooperation with NPF, the client has the right to check the investment instruments used by the firm - usually the company publishes them on its website. This allows you to assess how promising the organization's activities are, whether it will work reliably with it. The interaction between the organization and the fund participant is always supported by an agreement in an official manner, with signatures and seals. The contract specifies both the obligations of each of the parties, and the rights that such cooperation gives. In addition, heirs are usually prescribed, the specifics of the distribution of funds are clarified.

By law, citizens of our country have the right to change pension funds every five years. Less often - you can, more often - not. With this approach, you can count on the maximum level of profitability. To understand which organization to cooperate with, before moving on, you need to analyze the ratings of pension funds: which one is better in terms of profitability. The leading financial statistical agencies of our country are engaged in their development. Typically, data is published in reliable business journals or on virtual pages dedicated to their activities.

Important aspects

When planning to conclude an agreement with a private company, you need to remember this moment: according to the law, an NPF can only work with the savings of the population when it first took care of obtaining a special license for its activities. If a certain company cannot provide such a license to customers, it is impossible to work with it - they are probably scammers. The responsible organization usually places a copy of the license on its website, there are certified copies in all departments, and the original is kept in the main office, in the accounting department. In addition to the license to carry out official activities, the company must also comply with all the laws of our country. These facts are regularly checked during scheduled, unscheduled inspections by government agencies, as well as by the Central Bank. If the company meets the current requirements, it has the right to collect royalties and work with them; in case of violation of the law, the license may be revoked. In order not to entrust your money to an unreliable company, before concluding a contract, you need to make sure that the company has been working for a long time, there were no excesses in its activities, and there were no conflicts either.

According to the rules, a non-state fund can work only if all its savings are insured. This gives some protection to clients: even if the organization goes bankrupt, you can count on a return of hard earned money. At the same time, it is important to check the fact of participation in the insurance program already at the stage of concluding an agreement with the fund. If an unpleasant situation occurs, the client does not have to worry: his savings will automatically be transferred to the state fund. Probably, a little on this will still be lost, but the amount by which a person will go to the minus will be relatively insignificant. But if at the conclusion of the contract the fact of insurance was not checked, and the company's license was revoked, and it turned out that the insurance was not valid at that moment, there may be considerable problems.

Cooperation rules

As follows from the norms of the current legislation, when a person retires, he can receive all the money that the NPF has accumulated, at one time in his hands. An alternative option is monthly deductions, the amount of which can be set by a specific contract. To control the current state of the account, you can check your personal virtual account.

If it happens that a person dies before retirement, the amounts accumulated by him will be inherited by the person specified in the contract. This is subject to the rules of inheritance established by current legislation.

Weak sides

As can be seen from some of the stories published by reliable financial publications, in a number of cases, non-state pension funds have chosen ineffective capital growth strategies. Such risks, at best, led to a low level of growth in savings, but in some cases they turned out to be a "shipwreck": the company went bankrupt, which led to losses among the population. Such an ineffective solution for the company creates big troubles, but for each individual taken it is a blow to the future. You need to be very careful and careful to choose among non-state persons, to be able to calculate who to entrust your money to and not find yourself in such a situation. Those who decide to opt for a government structure receive the maximum level of bankruptcy protection.

As you can see from the newspaper reports, in the past few years, the Central Bank has very carefully undertaken to clean up the sector of companies working with the public. And banks, insurance organizations, and non-state pension funds are more and more often revoked their licenses if firms have even a little "guilty" before the law. If violations are found, the procedure will not be long - yesterday the office was opened, and today there is a notice of closure on the door. Of course, in such a situation, client money is sent to the state structure, but profitability is lost. At the same time, analysts say, if a citizen often changes private funds, he thereby strikes a blow to his own future: profitability is lost, savings are not indexed, they are actually absorbed by inflation. Moreover, money can be depreciated.

The guarantee of a decent life in old age is a good pension. This allowance is intended for citizens who have worked for a certain number of years and have lived to old age. To ensure the population that has lost its former working capacity, 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 for the country, and the beginning of payments will be shifted by several years in comparison with working citizens.

Not so long ago, there were some changes in the pension legislation concerning the way of depositing savings into a citizen's pension account. As you know, this benefit consists of two parts: insurance and funded. The first accounts for 16%, and the second 6%. If a citizen is from the Pension Fund of the Russian Federation to a non-governmental financial organization, then its funded part will be indexed, and by the time of retirement he will be able to withdraw all his savings or break them down into monthly payments.

A future pensioner can, at his will, abolish the funded part, directing the entire amount for insurance purposes, thus increasing the monthly maintenance in old age. Such citizens by default remain assigned to the FIU, 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 pension" No. 424-FZ, according to it, persons insured in the compulsory pension insurance system 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 law, paid these contributions for them.

Moreover, 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, who have received, have the right to send it to the formation of their own funded part of the pension.

Citizens have the right to choose the method of pension provision, which lasts for five whole years from the moment the insurance premiums begin to be received on an individual personal account. This issue is considered in clause 2 of article 33.3.

NPF is a non-profit organization that carries out not only pension provision for citizens, but also conducts its activities in the field of other social guarantees.

The principle of their work is almost identical to a similar state structure, therefore their main functions very similar:

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

1. Law No. 27-FZ "On individual (personified) accounting in the compulsory pension insurance system", which describes how accumulative pension accounts are maintained.
2. Federal Law No. 167-FZ of 2001.
3. Art. 123.17 of the Civil Code of the Russian Federation, which provides a basis for such a fund to perform its actions.
4. Federal Law No. 75-FZ, which 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 part of their assets is the savings of citizens.
2. Territorial - they carry out their activities exclusively in a separate region, local authorities are engaged in their support.
3. Corporate - work with constituent programs, and the percentage of deposited savings is growing steadily and steadily.
4. Captive - carry out activities with the programs of the founders.

Criterias of choice

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

The latter means the fund's profit received at the expense of the client with a transfer of a certain percentage to him personally. Also, do not forget about voluntary contributions.

Among the indisputable are the main ones:

Unfortunately, there are some drawbacks here, namely:

1. The stable income of the NPF is not guaranteed, since the organization does not have full confidence in the successful state of affairs in the current reporting period.
2. The likelihood of revoking a license from an NPF - 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 says that you can transfer your savings between NPFs no more than once a year, so the choice of organization should be deliberate and balanced.

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

The best funds in terms of reliability and profitability ratings

Profitability indicator - an important condition in the rating of domestic NPFs... 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 projects, programs with the participation of investors and special funds.

An important condition for the successful operation of NPF is the benefit of the investment policy and strategy of the company, as well as the time resource - how much separately taken funds will be used in the field of investments.

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

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

1. NPF Sberbank- the 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 accumulative parts of pension accruals. The main reason 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 accumulating a pension for himself. Insurance, which in this case is mandatory, will allow elderly people to multiply their share through regular contributions. For those who are interested in maintaining the existing profitability indicators, Sberbank offers an individual approach policy.
2. Lukoil NPF- experience in the financial market of the country - more than two decades. During this period, the institution from a small firm turned into an organization capable not only of reliably preserving the funds entrusted to it, but also of actively increasing them. All activities of the company are carried out under the strict supervision of the trade union, which guarantees the absence of financial leaks and allows you to invest more far-sightedly.
3. Confidence- The fund was created almost 20 years ago in Nizhny Novgorod, its founders were independent and reputable companies in Russia. Taking an active part in the project of state co-financing, Trust gives its users a chance to significantly increase their pension share. Full guarantee against financial risks is provided by the FIU.
4. NPF Consent- according to authoritative experts, in 2018 the fund received a high assessment of the profitability, stability, reliability and constancy of its policy, giving investors the opportunity to invest their personal funds with maximum profit. Its indicators, in comparison with 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 their personal account, which has a positive effect on the reputation of the fund. 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 a maternity certificate. The fund develops personal plans for pensioners to increase the income part of accruals, creating almost ideal conditions for depositors for mutually beneficial cooperation.

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