At the beginning of 2017, there were 43 non-state pension funds. The volume of household deposits increased by 3.1%. The total volume of savings of all non-state pension funds of the Russian Federation reached 3.3 trillion rubles. See the latest NPF rating below.
One of the serious criteria when choosing a fund is its level of profitability. Based on this factor, a statistical rating of the TOP-30 NPF leaders in 2017 was formed.
| № | 30 NPF leaders 2017 | Income since the beginning of the year, % |
|---|---|---|
| 1 | NPF Social development(JSC) | 14.72 |
| 2 | National Non-State Pension Fund (JSC) | 12.09 |
| 3 | NPF UMMC-Perspective (JSC) | 10.91 |
| 4 | NPF Diamond Autumn (JSC) | 10.69 |
| 5 | NPF Alliance (JSC) | 10.60 |
| 6 | Atomfond (JSC) | 10.55 |
| 7 | NPF VTB Pension Fund (JSC) | 10.54 |
| 8 | NPF OPK (JSC) | 10.51 |
| 9 | MNPF "Bolshoi" (JSC) | 10.38 |
| 10 | NPF First Industrial Alliance (JSC) | 10.16 |
| 11 | 10.13 | |
| 12 | NPF Transneft (JSC) | 9.86 |
| 13 | NPF Volga-Capital (JSC) | 9.73 |
| 14 | NPF Vladimir (JSC) | 9.52 |
| 15 | ONPF Trust (CJSC) | 9.43 |
| 16 | NPF Socium (JSC) | 9.41 |
| 17 | NPF Surgutneftegaz (JSC) | 9.38 |
| 18 | Khanty-Mansiysk NPF (OJSC) | 9.27 |
| 19 | NPF RGS (JSC) | 8.47 |
| 20 | NPF NEFTEGARANT (JSC) | 8.27 |
| 21 | NPF Hephaestus (JSC) | 8.19 |
| 22 | MNPF AKVILON (JSC) | 7.84 |
| 23 | NPF Telecom-Soyuz (JSC) | 7.58 |
| 24 | NPF Rostvertol | 7.26 |
| 25 | NPF AvtoVAZ (JSC) | 7.24 |
| 26 | NPF PROFESSIONAL (JSC) | 7.16 |
| 27 | 7.13 | |
| 28 | NPF Soglasie (JSC) | 7.01 |
| 29 | NPF EDUCATION (JSC) | 6.61 |
| 30 | NPF Stroykompleks (JSC) | 5.58 |
To identify the best non-state pension funds in Russia, analysts also evaluate the degree of their reliability. To do this, the investment method and its validity are examined, the current state of the company and its development prospects are analyzed. According to these criteria, the leaders of the 2017 NPF TOP-30 are as follows.
NPF statistics data for 06/30/2017
| № | NPF | Pension savings (thousand rubles) | Market share, % |
|---|---|---|---|
| 1 | 429 979 171 | 18.66 | |
| 2 | NPF GAZFOND pension savings (JSC) | 414 273 261 | 17.97 |
| 3 | NPF FUTURE (JSC) | 289 638 026 | 12.57 |
| 4 | NPF LUKOIL-GARANT (JSC) | 250 198 979 | 10.86 |
| 5 | NPF SAFMAR (JSC) | 184 961 263 | 8.03 |
| 6 | NPF RGS (JSC) | 179 263 910 | 7.78 |
| 7 | NPF VTB Pension Fund (JSC) | 130 020 731 | 5.64 |
| 8 | NPF Doverie (JSC) | 95 655 469 | 4.15 |
| 9 | NPF Electric Power Industry (JSC) | 90 661 864 | 3.93 |
| 10 | NPF Soglasie (JSC) | 70 501 309 | 3.06 |
| 11 | MNPF "Bolshoi" (JSC) | 32 931 345 | 1.43 |
| 12 | National Non-State Pension Fund (JSC) | 15 550 894 | 0.67 |
| 13 | NPF Socium (JSC) | 14 005 425 | 0.61 |
| 14 | Khanty-Mansiysk NPF (OJSC) | 12 417 441 | 0.54 |
| 15 | NPF Magnit (JSC) | 12 129 512 | 0.53 |
| 16 | NPF Transneft (JSC) | 8 531 032 | 0.37 |
| 17 | NPF Surgutneftegaz (JSC) | 8 005 750 | 0.35 |
| 18 | NPF UMMC-Perspective (JSC) | 7 341 401 | 0.32 |
| 19 | NPF NEFTEGARANT (JSC) | 6 603 245 | 0.29 |
| 20 | NPF Social Development (JSC) | 6 525 684 | 0.28 |
| 21 | Atomfond (JSC) | 5 933 724 | 0.26 |
| 22 | ONPF Trust (CJSC) | 5 307 598 | 0.23 |
| 23 | NPF EDUCATION (JSC) | 5 233 954 | 0.23 |
| 24 | NPF Oboron-Prom Fund named after. V.V. Livanova (JSC) | 4 514 623 | 0.20 |
| 25 | NPF Volga-Capital (JSC) | 4 082 396 | 0.18 |
| 26 | NPF Diamond Autumn (JSC) | 3 283 865 | 0.14 |
| 27 | NPF Stroykompleks (JSC) | 2 757 567 | 0.12 |
| 28 | NPF Hephaestus (JSC) | 2 733 482 | 0.12 |
| 29 | NPF Vladimir (JSC) | 1 836 370 | 0.08 |
| 30 | NPF Telecom-Soyuz (JSC) | 1 702 382 | 0.07 |
Review of key indicators of NPFs (Bank of Russia, 2nd quarter 2017) -
The largest merger is being prepared in the non-state pension fund market
NPF reliability rating for 2017 from the credit rating agency "Expert RA"
The media and the Internet contain a lot of information about the mechanism for forming two parts of pension savings. Most citizens have already figured out that they have the opportunity to increase their well-being upon reaching the age of disability through the proper placement of the savings part. However, many people want to understand in which non-profit pension fund their capital can work productively. One of the guidelines when choosing a non-state pension fund is the non-state pension fund rating, which is created by independent companies. It is worth carefully choosing a fund, correctly assessing all indicators of their work, paying attention to the rating of non-state pension funds in 2017 and 2018.
Non-state pension funds (NPF) in Russia
Before you start choosing a non-state pension fund that you will entrust, it is worth understanding what kind of organizations they are and what the specifics of their activities are. These are organizations that engage in profitable investments of investors' funds in various projects. The degree of capital increase depends on how wisely the finances are invested. The funds are not involved in production or sales of products. The organizations themselves, for the most part, do not manage the funds; they entrust this work to a specialized management company.
Non-state pension funds can be created directly to work with the funded parts of pension funds. Some large companies also create them for their own employees. But since the funds are not closed organizations, outsiders can also become their investors. The advantage of such non-state pension funds is control over the investment of funds exercised by trade unions.
European Pension Fund can be considered one of the most popular options. It was the high degree of profitability that led to the creation of a solid base of investors. This organization has more than a million clients who have entrusted their savings deposits. The fund practices European standards of service; clients have the opportunity to open an account and track the movement of personal finances. It is possible to withdraw funds to another fund in case of bankruptcy.
A high interest rate is set for policyholders who invest the savings portion in "Surgutneftgaz". Payments on rates are made on time, the organization has been operating for more than two decades, and has confirmed its reliability.
In terms of its history, Surgutneftgas is not inferior to the leader of the rating. This NPF has received the highest ratings from experts in terms of its level of profitability and degree of reliability.
The fund has a solid level of return "Welfare". Over the course of 15 years, he managed to prove his ability to competently conduct business and successfully invest investors’ finances. The number of clients of the organization exceeds a million, all of them receive payments on time.
NPF “Blagosostoyanie” received an A++ rating from experts in terms of reliability. This is one of the best indicators for this criterion.
Qualified experts have assigned the highest degree of reliability to the organization "National Non-State Pension Fund". She is over 17 years old, and her savings amount to about two billion rubles. The Foundation is a participant state program co-financing, which allows investors to double their pension funds.
U European Pension Fund solid work experience. For 20 years, he managed to prove in practice his ability to successfully invest funds and ensure timely payments to his clients. The reliability of the fund is ensured by the transparency of its work, the ability to obtain accurate data on the movement of finances in the account at any time.
Main advantages NPF "Education" There are three options for pension schemes: lifelong, temporary (2-30 years), joint.
Defense Industrial Fund can be considered an ideal choice for those who prefer conservative, reliable options. This investment policy provides reliable income.
NPF Sberbank
Many future pensioners prefer to entrust their accumulative shares of their pension to Sberbank Non-State Pension Fund. The main stimulating factor in this case is state financial protection. Sberbank offers several ways for those wishing to accumulate pension funds.
Compulsory insurance makes it possible to increase the accumulative shares of pensions through constant contributions. Individual options are developed for clients who plan to maintain their current level of income during retirement. Corporate programs are provided to increase business productivity.
NPF Lukoil
NPF Lukoil-Garant has been operating for more than 20 years. An organization has been created to preserve and increase the funds of the concern's employees. The work of the fund is completely controlled by the company's trade union, which eliminates leakages of funds and cases of short-sighted investment of finances.
NPF "Doverie"
NPF "Doverie" was created 18 years ago. The founders are organizations taking part in the economic life of the Nizhny Novgorod region, reputable banks. The fund participates in a co-financing program that allows it to significantly increase the funded pension portion. Guarantees are provided by full control over the actions of the Pension Fund organization.
NPF "Soglasie"
The Soglasie Foundation is the legal successor of OJSC NPF Soglasie. Qualified experts highly evaluate the organization’s work based on the criteria of profitability, stability, and profitability of investing client funds. The fund managed to double the performance of its predecessor.
NPF "European"
In any rating of Russian NPFs, the European Fund occupies one of the leading positions. This popularity is due to the high reliability of its work, confirmed by two decades of activity, during which the promised finances are clearly transferred to clients. Transparency of the organization's work is ensured by the ability of investors to monitor the movement of finances in personal account. The organization is included in the state co-financing program. NPF accepts maternity capital to increase funded pension parts, practices the development of individual pension plans, consulting, planning upcoming pension payments, providing clients with ideal conditions.
Questions about pensions legal advice
In the shape of feedback below, you can contact hotline with questions about pensions to our lawyer. Ask your question about pensions and pension savings and get legal advice within 15 minutes.
One of the fundamental criteria for the fund's activities. When choosing a non-state pension fund for our funded pension, we strive to choose the most profitable fund that can guarantee a high return on our savings and provide it for a long period.
To make such a choice, you first need to familiarize yourself with the list of the most effective non-state pension funds in terms of their profitability for the previous year. Since ratings are published either at the very end of the year or at the beginning of the next, depending on the time when organizations publish official data.
Profitability for the previous period (for the previous reporting year);
Accumulated return (for the entire period of the fund’s operation);
Average return (the total percentage of return for the entire period is calculated and divided by the number of years in this period).
It is best to focus on all 3 positions at once, so information about the profitability of a particular fund will be more reliable, but the priority is the average annual return. It is she who shows how the fund performs over the long term.
For 2015, all NPFs, and primarily those included in them, have already provided publicly available information on profitability.
The highest returns on investing pension savings in 2015 were demonstrated by small funds: NPF "Education and Science" - 17.8%, NPF "Bashkortostan" - 17.8% (not included in the guarantee system) and NPF "Non-State Savings Pension Fund" ( not included in the guarantee system) - 17.0%. And among relatively large funds, the best returns were from NPF Heritage - 16.9%, NPF " " - 16.3% and KITFinance NPF - 14.5%.
The only NPF with a negative return was NPF "Captain" (-2.1%). Weak results were reported by NPF FUTURE - 5.6%, NPF First National Pension Fund - 5.9%, NPF MECHEL-FOND - 6.4%, NPF Metallurgists - 7.0%, NPF Ural Financial House" - 7.4%, NPF " " - 7.5% and NPF "Magnit" - 7.7%. In general, two thirds of non-state pension funds in 2015 were unable to beat inflation (12.9%), and in real terms brought losses to future pensioners. At the same time, almost half of the NPFs could not even earn more than government bonds bring in (approximately the level of the refinancing rate is 11%).
More detailed information about the profitability indicators of non-state pension funds can be found on, as well as on the website of the Central Bank of the Russian Federation.
For a more objective assessment, let’s consider the average annual income included in the system of guaranteeing the rights of insured persons over the last three years (2013-2015). In 2014 and 2015, pension savings, due to the “freezing” of contributions to the funded pension, were formed exclusively from investment income from non-state pension funds.
Average annual profitability of non-state pension funds (2013-2015):
1. Education and science NPF JSC - 9.45%
2. Heritage NPF CJSC - 7.73%
4. KITFinance NPF CJSC - 5.76%
5. OJSC NPF GAZFOND pension savings - 8.38%
6. Diamond Autumn NPF JSC - 6.88%
8. Surgutneftegaz NPF JSC - 6.59
9. Russian Standard NPF CJSC - 7.63%
12. Construction complex NPF CJSC - 8.39%
13. Sotsium NPF CJSC - 9.35%
14. Trust of NPF CJSC - 9.05%
15. Vladimir NPF CJSC - 8.26%
16. National Non-State Pension Fund CJSC - 6.16%
17. BIG MNPF CJSC - 8.24%
18. VTB NPF JSC - 7.35%
19. Sberbank NPF JSC - 6.77%
20. REGIONFOND NPF CJSC - 7.16%
22. JSC NPF "NEFTEGARANT" - 5.94%
23. SAFMAR NPF JSC - 7.55%
24. Rostvertol NPF - 8.31%
More and more Russians are seeking to increase their future pension and are choosing the option of forming a funded pension in non-state pension funds. This factor is justified, because it allows you to significantly increase the amount of the benefit.
The employer makes monthly contributions to the Pension Fund 22% from the wage fund (official wages) employee. Of these deductions, 6% goes to the solidarity tariff (for the formation of a fixed payment, etc.).
- If a citizen opts for an insurance pension, then the remaining 16% goes towards its formation.
- If you choose a mixed one, then 10% of the total amount of transfers goes to the formation of an insurance payment, and 6% to the formation of a funded pension.
According to Art. 11 and art. 15 of Federal Law No. 360 " On the procedure for financing payments from pension savings» dated November 30, 2011 savings are personalized and, unlike the solidarity system, are paid only to the person who contributed them. The funded pension payment is formed from insurance premiums, which are transferred by the employer, and contributions on a voluntary basis, as well as through their investment.
In 2018 insurance premiums on compulsory pension insurance, which employers pay for their employees, goes towards formation of only insurance pension- this is caused by a moratorium on pension savings, which was extended until 2020.
How to choose a non-state pension fund for the funded part of your pension?
To get the greatest income from investing pension savings, you need competently approach the choice of NPF. The Central Bank of the Russian Federation publishes data on the profitability of non-state funds on its official website, according to which it is necessary to select the most promising of all.
Most important criteria, which you should pay attention to when choosing:
- NPF age and main indicators. First of all, you need to look at the date of creation of the NPF. Choose funds created before the 2002 pension reform. If the fund was created in 1995 and is still operating today, this is already an indicator of reliability, because this NPF was able to survive several financial crises. You also need to pay attention to the main indicators of the fund: the volume of reserves and pension savings, the number of clients.
- Founders. The most reliable funds are those whose founders include large representatives of the economic sector involved in the transportation and production of oil, gas, minerals, large electric power and metallurgical enterprises and others.
- Profitability. If you can be convinced of the reliability of a non-state pension fund based on the above parameters, then with profitability this is much more difficult, because There are two yields:
- according to Federal Service for Financial Markets (FFMS) - the main supervisory body of NPFs;
- according to the fund itself.
The values provided by these two sources may differ. In reliable NPFs, the real return (credited to customer accounts) is usually 0-3% less than the official return on investment of savings or reserves, data on which can be found on the website of the Federal Financial Markets Service or the Central Bank.
It is also worth looking at the profitability indicators in relation to the number of clients: 11% per annum with 900 thousand clients is more significant than 35% per annum with 130 clients. You should pay attention not only to the profitability for the previous year, but to the total long-term profitability.
Reliability rating "Expert RA"
Agency specialists "Expert RA" We have developed a system of classes to determine this indicator, in accordance with which the reliability of non-state funds is assessed:
| Reliability rating | Decoding |
|---|---|
| A++ | ultra-reliable non-state pension funds, unshakable by any crises |
| A+ | stable and reliable funds with a high reputation |
| A | proven reliable funds that are not included in the “unsinkable” group |
| B++ | funds with a satisfactory level of reliability, whose reputation is not tarnished by bad reviews |
| B+ | the level of reliability of these funds is questionable in some situations (for example, in cases where significant payments are required) |
| IN | the level of fund reliability is low, without guarantee of stability |
| C++ | unreliable non-state pension funds with a high probability of license revocation or bankruptcy |
| C+ | unsatisfactory reliability and a very high probability of revocation of the fund’s license |
| WITH | funds with a bad reputation, for example, cases of failure to fulfill their obligations to clients |
| D | bankrupt funds |
| E | funds that have lost their license or are in the process of liquidation |
Profitability statistics of Russian non-state pension funds
A non-state pension fund is a market participant that has a large accumulation of funds that increase every year, and if over a long period their profitability is at a good level, then this will be the best model for managing accumulated funds, in which people are guaranteed a good pension.
According to the Central Bank, the top five best models in a few recent years includes quite well-known funds:
- Sberbank.
- Confidence.
- Stalfond.
- Lukoil-Garant.
They all consistently generate profits, and most importantly, their long-term returns have outpaced inflation. Data shows that every client who invested in the popular European Fund over the past 6 years has doubled their funds, increasing people's well-being. And one of the largest PFs in terms of investments, the Electric Power Industry, consistently generates profit, but it is more modest than the inflation rate, the result of the state-owned VEB (Vnesheconombank) is slightly lower.
Rating of the number of insured persons
It seems that the more insured in the fund, the better it is. But judging NPFs by this criterion alone is not entirely correct; it’s better to do so In total with ratings for profitability and reliability for a certain period, preferably 5 years.
| № | NPF | Number of insured |
|---|---|---|
| 1 | NPF Sberbank (JSC) | 6 819 773 |
| 2 | NPF GAZFOND | 6 233 147 |
| 3 | NPF FUTURE (JSC) | 4 433 865 |
| 4 | NPF LUKOIL-GARANT (JSC) | 3 501 825 |
| 5 | NPF RGS (JSC) | 3 157 498 |
| 6 | NPF SAFMAR (JSC) | 2 267 492 |
| 7 | NPF Doverie (JSC) | 1 957 579 |
| 8 | NPF VTB Pension Fund (JSC) | 1 540 942 |
| 9 | NPF Soglasie (JSC) | 1 139 920 |
| 10 | NPF Electric Power Industry (JSC) | 1 057 727 |
| 11 | MNPF "Bolshoi" (JSC) | 408 807 |
| 12 | National Non-State Pension Fund (JSC) | 279 734 |
| 13 | NPF Socium (JSC) | 238 816 |
| 14 | NPF Magnit (JSC) | 221 908 |
| 15 | Khanty-Mansiysk NPF (OJSC) | 128 078 |
The best NPF funds in terms of profitability and reliability in 2018
If you choose the 5 best non-state pension funds, then you need to pay attention to the ratio of profitability and reliability. The top five looks like this:
- NPF Hephaestus (JSC). It gives 14.21% income on invested savings, but it does not participate in the rating on the “Expert RA” scale.
- NPF Diamond Autumn (JSC). With a stable A+ reliability rating, the return on investment is 11.94%
- National Non-State Pension Fund (JSC). The yield is slightly lower at 11.83%, but it is still reliable. According to experts, it has an A++ rating.
- UMMC-Perspective. In 2017, it generated an income of almost 11.28% per annum and was assigned an A++ rating. Consequently, even in unfavorable situations, the likelihood remains that he will fulfill his obligations.
- NPF First Industrial Alliance showed an 11% return on investment and was assigned an A+ rating.
After it happened in our state, citizens Russian Federation it was proposed to leave your pension at the Pension Fund or choose any of the available NPFs. Before making a transfer, you need to study the rating of non-state pension funds in Russia. This is very important, since their reliability and integrity are the key to a comfortable life after the official graduation labor activity.
Download for viewing and printing:
Savings formation system
A lot of time has already passed since the formation of NPFs in Russia and the beginning of their active activities, but many citizens still do not understand why such a “separation” occurred and how to choose a NPF.
To answer this question, it’s worth delving a little deeper into the savings system. Thus, during the period of active official work, the employer transfers 22% of the citizen’s earnings for his future pension.
Wherein:
- 6% of this figure is the so-called “solidarity tariff”. This is not taken into account in any way on the personal account of its owner;
- 16% of the 22% indicated above are the same deductions that subsequently form a person’s pension (insurance pension).
And that is not all. Thus, a citizen of the Russian Federation is given the right to choose how his 16% will behave to organize welfare:
- all 16% can go to;
- only 10% of them will be such a part, and the remaining 6% will be .
In addition, a citizen has every right to increase his funded component before retirement by:
- Voluntary deposit of funds into the account.
- Use maternity capital for these purposes.
- Investment finance.
It is worth noting that the Russian Pension Fund has its own management companies (), limited for citizens to choose from. Profitability will depend on the actions of our state to implement a policy of indexing the insurance component, as well as profits from investments of trust management companies.
Important! The citizen chooses the NPF himself, having studied the statistics and ratings of such funds. The profitability of such organizations depends mainly on successful investment. In this case, a person can choose the appropriate one himself, assessing all the criteria, including success, position in the ranking, NPF profitability, popularity, work experience, customer reviews, etc.
How to choose a non-state pension fund
If a citizen has finally decided to transfer the formation of his future pension to a non-state fund, then it is worth paying especially close attention to it.
- number of years of existence in the financial market;
- who are the founders of the funds. In this case, information about the companies that are listed as fund participants is important;
- profitability for the entire period of work, as well as for the last reporting period;
- “transparency” of the activities of the NPF, that is, accessibility for citizens to study all the necessary information about its activities;
- reputation among the population, the number of positive and negative reviews about the fund’s work, etc.
However, citizens pay more attention to profitability when studying the ratings of pension funds.
Profitability indicator
This factor is one of the key ones in the rating of Russian NPFs. Speaking about it, you need to take into account that this indicator is somewhat subjective and changeable. Therefore, positions in the ratings may change depending on the amount of profit from the various investment programs in which the funds participate.
All ratings of Non-State Pension Funds based on the “profitability” indicator are compiled annually. It is better to study those conducted by reputable companies based on in-depth research. The most important compiler of the NPF rating is the Central Bank of our state.
He conducts a study of fund returns based on:
- What is the profitability of the investment strategy.
- How long are they used? cash individual person in the field of investment.
So, for example, in 2018, Telecom-Soyuz was in first place in terms of investment efficiency (non-state pension provision), and in terms of the second indicator, the first place was occupied by NPF URALSIB.
Advice! Which NPF to choose based on profitability is the subjective opinion of every citizen.
Do you need information on this issue? and our lawyers will contact you shortly.
Reliability rating
Compiling reliability ratings of non-state pension funds is one of the main tasks of numerous rating and analytical agencies. Required condition the reliability of the data of such companies is their accreditation with the Central Bank of Russia. It is on the basis of the information and analytics of this institution that agencies compose their ratings.
Today there are only 2 companies that are included in the specialized register of rating agencies:
- “Analytical Credit Rating Agency” (ACRA), however, they did not compile the coveted list for 2018;
- "Expert RA".
The reliability indicator is very important, as it makes it possible for citizens to assess their risks as an insured person before signing an agreement with one or another NPF.
Expert RA has developed a universal and very convenient scale by which you can easily determine the level of reliability of a fund. There are such designations (some of them):
- “A++” is considered the best. A fund with this level is not afraid of crises and unstable financial condition;
- “A+” are institutions with a very good reputation, almost impeccable;
- The group of funds with the “A” indicator are also leaders, but they do not “reach” the sign of the so-called “unsinkability”;
- following letter designation with two, one plus and without one - this is “B”. If we consider them together, it can be noted that such non-state pension funds have a satisfactory reputation and do not have bad reviews, but in some cases some doubts arose. Non-state pension funds of category “B” have a low level of reliability and do not guarantee a clear line of stability;
- as you can already guess, the next grouping is designated as “C++”, “C+”, “C”. Two pluses indicate that the background is more or less reliable, but there is a high probability that it will be declared insolvent (bankrupt) or that the license will be revoked for one reason or another. One “+” in the rating means an unsatisfactory state of reliability. “C” is the disgusting reputation of non-state pension funds that do not provide their clients with due attention and poorly fulfill their obligations;
- further, at the very end of the rating you can find companies to which the designations “D” and “E” are attached. The first of them shows NPFs that are bankrupt, the second shows enterprises that have lost their license or are being liquidated.
| Name | Founding year | Assets (thousand rubles) | Capital (thousand rubles) | Penny. accumulated (thousand rubles, market value) | Number of insurances. persons | Number of insurances. persons, received penny | Payments of pensions under compulsory pension insurance (thousand rubles) |
| JSC NPF Sberbank | 1995 | 468241144 | 20340270 | 443721612,1 | 6828053 | 8423 | 165618,53 |
| JSC NPF LUKOIL-GARANT | 1994 | 283952857 | 9092892 | 253195394,3 | 3507809 | 13275 | 239940,39 |
| JSC NPF FUTURE | 2004 | 295774586 | 2270125 | 289771636,6 | 4445180 | 10146 | 162710,97 |
| OJSC NPF Gazfond Pension Savings | 1994 | 181150751 | 9414120 | 178316651,8 | 1468673 | 38291 | 70523,81 |
| OJSC "NPF RGS" | 2002 | 198893355 | 13550119 | 182152160,9 | 3162840 | 2746 | 62087,37 |
| JSC NPF VTB Pension Fund | 2007 | 140169776 | 6457089 | 135915144,2 | 1543012 | 3818 | 43605,38 |
| CJSC "KITFinance NPF" | 2002 | 121749816 | 8604921 | 119947581 | 2203529 | 2183 | 35025,53 |
| JSC "NPF Electric Power Industry" | 1994 | 141332676 | 8009371 | 91227060,97 | 1059902 | 3170 | 53974,37 |
| CJSC NPF Promagrofond | 1994 | 87638375 | 7900901 | 85016612,95 | 1784601 | 64300 | 58209,11 |
| JSC NPF Doverie | 1997 | 98628101 | 2543386 | 98287978,21 | 1962949 | 372 | 11374,44 |
| CJSC NPF Heritage | 1993 | 70909207 | 5240782 | 54429971,13 | 791388 | 4190 | 59663,15 |
| JSC NPF Soglasie | 1994 | 72856577 | 2152714 | 71691067,99 | 1143020 | 723 | 10473,42 |
| JSC "MNPF "Bolshoi" | 1996 | 37113495 | 2134300 | 34163293,02 | 409941 | 2511 | 48144,28 |
| JSC NPF "SAFMAR" | 2004 | 201303967 | 8363374 | 188296293,6 | 2270915 | 2153 | 43793,1 |
| JSC National Non-State Pension Fund | 1997 | 32888130 | 4380178 | 16428195,69 | 280404 | 1224 | 23953,12 |
| JSC NPF Sotsium | 1994 | 16869564 | 1017790 | 14549440,74 | 239629 | 1003 | 10950,22 |
| JSC "Khanty-Mansiysk NPF" | 1995 | 30234260 | 936782 | 12959137,74 | 128421 | 1155 | 23987,09 |
| JSC NPF Magnit | 1995 | 12772816 | 623159 | 12267579,17 | 222093 | 115 | 605,99 |
| JSC NPF Surgutneftegas | 1995 | 32781595 | 11408340 | 8260013,28 | 36106 | 98 | 3742,1 |
| JSC NPF Social Development | 1997 | 10443519 | 984294 | 6784921,13 | 89978 | 523 | 7715,01 |
| JSC NPF Transneft | 2000 | 89546597 | 11602555 | 8828190,05 | 50824 | 210 | 4182,74 |
| JSC NPF "UMMC-Perspective" | 2001 | 10221054 | 1230434 | 7623226,51 | 74842 | 472 | 9642,66 |
| JSC NPF NEFTEGARANT | 2000 | 7255935 | 652004 | 6857824,78 | 65152 | 310 | 6418,88 |
| JSC NPF Atomfond | 1994 | 6366875 | 363909 | 6097735,61 | 53664 | 593 | 11850,5 |
| JSC NPF OPF named after. V.V. Livanova | 2000 | 6899086 | 306307 | 4603229,84 | 58561 | 1010 | 1550,76 |
| CJSC Orenburg NPF Doverie | 1993 | 5968798 | 423299 | 5485052,49 | 108789 | 7213 | 6366,79 |
| JSC NPF Obrazovanie | 2001 | 6048737 | 473003 | 5356827,24 | 109119 | 400 | 5875,27 |
| JSC NPF Stroykompleks | 1994 | 4323648 | 537469 | 2872500,41 | 42573 | 55 | 2862,44 |
| JSC "NPF "Diamond Autumn" | 1995 | 19315536 | 1464355 | 3424095,82 | 34263 | 6861 | 8409,03 |
| JSC NPF Volga-Capital | 1999 | 5752254 | 323557 | 4138795,71 | 67082 | 176 | 2804,27 |
| JSC NPF Vladimir | 1995 | 5575015 | 810900 | 1946506,32 | 18373 | 177 | 3352,96 |
| JSC NPF First Industrial Alliance | 1999 | 6069852 | 712346 | 1672092,46 | 32509 | 327 | 3907,53 |
| JSC NPF Gefest | 1993 | 3362079 | 278690 | 2799468 | 32266 | 196 | 3940,63 |
| JSC NPF Telecom-Soyuz | 1996 | 34428076 | 11014272 | 1751302,23 | 17485 | 138 | 3220,68 |
| JSC NPF JSC NPF OPK | 1994 | 1942356 | 226879 | 1031628,77 | 13227 | 227 | 2354,74 |
| OJSC "MNPF "AKVILON" | 1998 | 2072889 | 360018 | 1023334,62 | 12005 | 36 | 644,82 |
| JSC NPF "Rostvertol" | 1994 | 2117831 | 248302 | 752847,48 | 9812 | 66 | 1283,49 |
| JSC NPF Professionalny | 2001 | 5870258 | 3012297 | 870696,15 | 8935 | 40 | 754,84 |
| JSC NPF Federation (JSC NPF Captain) | 1994 | 1852213 | 179330 | 1681676,91 | 30460 | 111 | 4108,85 |
| JSC NPF AVTOVAZ | 1994 | 2485698 | 294277 | 840826,81 | 7617 | 26 | 549,08 |
| JSC NPF Alliance | 2004 | 3548242 | 353390 | 467499,81 | 2452 | 3 | 289,04 |
Other indicators
In addition, rating companies compile lists based on the following indicators:
- number of participants;
- the size of the average customer account;
- the amount of pensions paid;
- on capital and reserves, etc.
They can be found on the official website of Expert RA.
Attention! Citizens are given the right to move from one non-state fund to another if it turns out that another NPF’s performance has increased and its place in the ranking has become higher. Important! If the relationship with a non-state pension fund is terminated early, the investor bears the risk of losing investment profits. Since the end of 2017, the Bank of Russia has decided to oblige NPFs to notify future pensioners in advance about such risks. Previously, this was left to the discretion of NPFs themselves.
Dear readers!
We describe typical solutions legal issues, but each case is unique and requires individual legal assistance.
Reliability ratings for non-state pension funds (NPF) are compiled by rating agencies based on data from the Central Bank. The ratings represent a methodologically sound assessment opinion of a rating agency accredited by the Central Bank on the possibility of full and timely fulfillment by NPFs of their current and future obligations under non-state pension provision and compulsory pension insurance agreements.
“National Rating Agency” is no longer present in the register. Look registry data from the Central Bank website.
As Deputy Minister of Finance of the Russian Federation Aleksey Moiseev said:
“It would be better if we have one or two agencies that will do quality ratings, than many who will do it poorly.”
But since ACRA has not yet compiled a new reliability rating, the National Rating Agency is no longer present in the register - let’s look at the reliability ratings of NPFs from Expert RA.
If you want to form an opinion about the reliability of a particular NPF based on complete information, then use it and independently analyze the reliability of a particular fund. The manual contains a methodology for selecting NPFs. Also see in the form of a convenient comparative table with Central Bank data on all accredited funds. A comparative table with a rating allows you to make a selection according to any parameter, forming any rankings of NPFs that interest you.
Reliability rating of NPF of Russia
Reliability rating of Russian non-state pension funds according to the rating agency "Expert RA"For detailed review of the desired NPF, click on its name. If the name of the fund does not have a link, then this fund is not accredited by the Deposit Insurance Agency (DIA).
| Fund name | NPF reliability rating from Expert RA | Date of assignment | Rating forecast | Place in the ranking of accredited NPFs of Russia | |
|---|---|---|---|---|---|
| 1 | ruAAA | 07.06.2017 | Stable | ||
| 2 | ruAAA | 14.06.2017 | Stable | ||
| 3 | NPF "GAZFOND" | ruAAA | 21.06.2017 | Stable | |
| 4 | ruAA | 18.07.2017 | Stable | ||
| 5 | ruBBB+ | 19.05.2017 | Stable | ||
| 6 | ruA- | 09.08.2017 | Stable | ||
| 7 | NPF Neftegarant | ruAAA | 14.07.2017 | Stable | |
| 8 | ruAA | 13.06.2017 | Stable | ||
| 9 | ruAA | 27.07.2017 | Stable | ||
| 10 | ruAA | 11.08.2017 | Stable | ||
| 11 | ruAAA | 28.07.2017 | Stable | ||
| 12 | A++ | 22.12.2016 | Stable | ||
| 13 | NPF "Atomgarant" | ruAA | 30.06.2017 | Stable | |
| 14 | NPF "BLAGOSOSTOYANIE EMANCY" | A++ | 29.11.2016 | Stable | |
| 15 | NPF "BLAGOSOSTOYANIE" | ruAAA | 28.08.2017 | Stable | |
| 16 | A++ | 22.12.2016 | Stable | ||
| 17 | ruA+ | 02.08.2017 | Stable | ||
| 18 | ruA | 10.07.2017 | Stable | ||
| 19 | withdrawn | 24.08.2017 | - | ||
| 20 | withdrawn | 18.07.2017 | - | ||
| 21 | ruBBB- | 02.08.2017 | Stable | ||
| 22 | ruAA | 10.07.2017 | Positive | ||
| 23 | ruAA- | 18.07.2017 | Stable | ||
| 24 | ruA+ | 27.07.2017 | Stable | ||
| 25 | ruA- | 08.08.2017 | Stable | In accordance with the Federal Law of the Russian Federation dated July 13, 2015 N 222-FZ “On the activities of credit rating agencies in the Russian Federation,” the rating agency RAEX (Expert RA) does not allow deviations from the applied methodology on a systematic basis. Based on this methodology, RAEX (Expert RA) establishes a rating forecast, which means the Agency’s opinion regarding a possible change in the rating level over the next 1 year (unless otherwise indicated). The rating object can be assigned one of 4 types of forecast: Positive outlook: there is a high probability of a rating increase in the medium term Negative Outlook: there is a high probability of a rating downgrade in the medium term Stable forecast: there is a high probability of maintaining the rating at the same level in the medium term Evolving Forecast: in the medium term (over a 3-month horizon), 2 or more options for rating actions are equally likely (maintaining, increasing or decreasing the rating) The forecast is determined based on the Agency's expectations for the dynamics of indicators listed in this methodology, i.e. the forecast is influenced by the same factors as the assigned rating. The forecast is assigned only in relation to the final rating (not to the stand-alone credit rating or sub-level within rating classes A and A+). The agency's methodologies provide for the comparability of credit ratings with each other. |
