To date, more and more people are investingtheir funds in non-state pension funds (APF). This allows you to form a decent pension in old age. Each company offers its own terms. The rating of non-state pension funds will make it possible to make the right choice. About him and 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.
Peculiarities of NPF work
These organizations almost do not differ from state PFs. Institutions usually perform:
- Payment of pensions.
- Accounting for money.
- Investing in equity and shares, bonds.
- Accumulation of capital.
Commercial organizations may belong to one of the following groups:
- Open or universal do not belong to the financial and industrial sphere. The funds of depositors are assets.
- Territorial are supported by local authorities, they work only in a particular region.
- The corporate functions are based on the founders' programs.
- Captive work with the founders' programs.
Below is the rating of the reliability of non-state pension funds. It is formed by accumulation, the number of clients. Reviews about these companies are almost only positive.
Lukoil-Garant
Opens the rating of non-state pension funds "Lukoil-Garant". The company was founded in 1994. It is among the first for several reasons:
- Occupies 14% of the market, serves up to 3 million 300 thousand people.
- The accumulation is about 149 289 065 000 rubles.
- No complaints about financial fraud over a long period of work.
- There are many awards.
The official resource has a calculator, thanks to which it will be possible to estimate the accumulation. Testimonials indicate the reliable operation of the company.
JSC APF "Surgutneftegas"
This company continues 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 layout of the structureallocation of savings, investment tools that increase income. Reserves exceed the amount of savings more than 3 times. Income is more than the level of inflation.
NPF "European"
The company is on the third place in the rating of non-state pension funds. Its average annual income is about 14%. The clients have several advantages:
- Long and successful work.
- Individual program.
- Personal approach using European standards of service.
The company is under the control of the Central Bank of Russia, which is also important.
APF Sberbank JSC
The company is on the 4th place in the rating of non-state pension funds. The reviews confirm the high quality of service and reliability of services. More than 1 million customers are satisfied with these NPFs.
The institution strictly monitors the placement of savings by providing the depositors with the necessary information. There are many programs for pension savings and for improving business efficiency.
NPF Promagrofond
The company completes the rating of non-statepension funds. Customer testimonials indicate the reliability of the organization. The fund is in demand among companies with a license. This APF has over 2 million customers. The accumulation is about 72 281 723 rubles. The company has branches all over the country, which is also very 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 the information for several years. If the company is reliable, it always attracts new customers. It is desirable to choose the optimal ratio of profitability, reliability and stability. Then cooperation with the company will be effective.
