Rating of NPF of Russia 2018 in terms of reliability and profitability

In 2018, Russians will face another pension reform. What exactly it consists of is still unknown, but, according to the Minister of Finance of Russia, the accumulation system of three years ago has finally become a thing of the past. And the new system should stimulate workers who “want to have a decent pension” to invest this money. But where exactly?

We have updated rating of NPF of Russia for 2019 according to the Central Bank of the Russian Federation and Expert RA.

The choice is not easy and requires some knowledge in the financial field, which the average Russian can hardly boast of. And this is where ratings come to the rescue. There are two most authoritative, because the rating agencies and the Central Bank evaluate pension funds differently. And if for “Expert RA” the profitability of savings is more important, then the Central Bank of the Russian Federation pays more attention to the volume of the organization's own funds.

NPF profitability rating 2018

The data is based on the official reports of the NPF for the last year, published on the website of the Central Bank.

5. "UMMC-Perspective"

The first in the top 5 most profitable PF is UMMC-Perspektiva, a non-state pension fund founded more than ten years ago by large metallurgical enterprises of the Urals. As can be assumed, the bulk of his clients were workers of this very metallurgical industry, mainly living in the "capital of the Urals" - Yekaterinburg.

Since 2006, when UMMC-Perspektiva began operating in the field of compulsory pension insurance, there have been rich years (for example, 2009, when the company showed an impressive profitability of 47.40%), and there were “hungry” years (as in 2008 completed with zero yield).

As of September 2017, Perspektiva showed a return of 11.2%.

4. "Rostvertol"

NPF “Rostvertol” was established in 1994 to help retired employees of the joint-stock company of the same name, one of the largest aircraft manufacturing enterprises in the Russian Federation.

In 2015, the NPF went through a reorganization and entered the open pension market. Over the past decade, the fund has demonstrated stable performance; It finished 2017 with a figure of 11.3%.

The disadvantage of this NPF is a rather narrow geography of services provision - only for the population of Rostov-on-Don. This does not allow one of the most profitable pension funds in Russia to fully compete with other NPFs, which have branches throughout Russia.

3. "National non-state pension fund"

Like Rostvertol, the National Non-State Pension Fund is the brainchild of one organization, this time an oil and gas one. The initial purpose of the NPPF establishment was to pay pensions to Tatneft employees. In 1998, oil and gas workers who reached retirement age received their first pensions from the PNPF, and six years later the organization entered the pension insurance market.

At the moment, NNPF clients are half a million people. PNPF prefers to work primarily with corporate clients. In 2017, this organization showed a return of 11.83%.

2. "Non-state pension fund" Diamond Autumn "

The name "Diamond Autumn" is not just a catchword. Initially, the pension fund was intended exclusively for corporate use by employees of the Alrosa holding, a group of companies that search (and find) diamonds in the Yakut soil on an industrial scale. NPF employees are proud that even in the difficult conditions of the 1998 and 2008 crises, they paid their pensions in full and without delays.

The fund's profitability is high - 11.94%, and if earlier people living in the territory of Alrosa could use its services, now Almaznaya Osen has opened branches in Moscow and Orel.

1. "Non-state pension fund" Gefest "

If the previous participants of the top-10 NPFs of Russia in terms of profitability did not exceed the level of 12%, then Gefest overtook them all. For the expired 2017 it the yield was 14.21%! "Gefest" is one of the oldest private pension funds in the country; it was founded in 1993 by the Central Council of Trade Unions of Mining and Metallurgical Industry Workers and the RF Committee on Metallurgy.

And two years ago, "Gefest" went through another reorganization - now it is a joint-stock company and, therefore, its services are available not only to miners, but also to everyone. Branches and offices of the most profitable non-state pension fund of 2018 operate in 9 settlements of the Russian Federation.

NPF reliability rating 2018

These tables are based on information published on the official website of Expert RA.

5. NPF "VTB Pension Fund"

The five most reliable pension funds in Russia are opened by an organization owned by the large and influential VTB group. The same group also owns one of the most reliable banks in Russia in 2018.

NPF "VTB Pension Fund", like other participants in the rating, has the highest rating ruAAA, which, according to the compilers of the rating, experts of the agency "Expert RA", guarantees maximum financial stability, reliability and creditworthiness.

4. NPF "Blagosostoyanie"

The Pension Fund with such a pleasant name was created in the mid-90s under the auspices of the Russian Railways. Over the twenty years that have passed since its inception, the number of people who have applied to "Welfare" has reached 1.2 million.

By the way, in 2014, "Welfare" "doubled" - a separate legal entity NPF "Future" was separated from it. Since then, "Blagosostoyanie" has been dealing only with its clients - employees of Russian Railways, but "Future" is open to everyone.

3. "Gazfond"

The situation with the "Gazfond" is not immediately clear. At first, there was just NPF Gazfond, which provides citizens of the Russian Federation with both pensions and pension insurance.

The NPF was developing steadily and quickly - by 2009 it was ahead of all other non-state pension funds in terms of the number of assets. The fund had a non-profit status, but due to the tightening of legislation and increased requirements for the transparency of funds, it was decided to reorganize.

A new legal entity, Gazfond Pension Savings, was separated from Gazfond, which took the second place in the rating of the most reliable NPFs in Russia in 2018. And the "old" Gazfond remained non-profit and deals exclusively with corporate pensions.

2. NPF "Gazfond pension savings"

The reason for the large volume of assets of the "Pension Savings Fund" is the reorganization of the "Gazfond" carried out in 2016, as a result of which several NPFs were merged into the newly formed fund.

After the merger, the number of Gazfond Pension Savings clients exceeded six million people, and the volume of reserves - 16 billion rubles. The clients of the fund can be both organizations and individuals; however, the fund's branches are mainly located in Moscow and St. Petersburg.

1. NPF "Sberbank"

As Sberbank leads the list of banks in terms of the number of clients, so NPF "Sberbank" ranks first in the reliability rating... It is supported by both the long period of existence in the market, the number of clients exceeding 6.8 million people, and the volume of assets (in the first quarter of 2017 it exceeded 435.2 billion rubles).

And at the end of 2017 NPF "Sberbank" also expanded - it acquired NPF "VNIIEF-Garant".

According to customer reviews, NPF Sberbank has a lot of advantages. These include a huge number of branches throughout Russia, quick conclusion of an agreement, reliability, high income and a personal online account. However, there are enough shortcomings, and the main one is the poor quality of service. In addition, money does not always come to clients' accounts on time.