Profitability rating of non-state pension funds. Profitability rating of Russian NPFs List of non-state pension funds

The yield on pension savings in 2019 will be from 6% to 8%.

One of the serious criteria when choosing a fund is its level of profitability. According to this factor, the rating of statistics of the TOP-30 NPF leaders in 2019 was formed.

NPF reliability rating in 2019

To identify the best NPFs in Russia, analysts also evaluate the degree of their reliability. To do this, the method of investing funds, its validity, the state of the company today, its development prospects are analyzed. According to these criteria, the NPF leaders of the 2019 TOP-30 are as follows.

NPF statistics data for 09/30/2018

Review of key indicators of NPFs (Bank of Russia, Q2 2017) -

Largest merger in the NPF market

NPF reliability rating for 2019 from the credit rating agency "Expert RA"

A lot of information has been posted in the media and the Internet about the mechanism for the formation of two parts of pension savings. Most citizens have already figured out that they have the opportunity to improve their well-being upon the onset of incapacity for work through the competent placement of the funded part. However, the desire to understand in which particular non-profit pension fund their capital can work productively arises for many. One of the guidelines for choosing an NPF is the NPF rating, which is created by independent companies. It is worth carefully approaching the choice of a fund, correctly assessing all the indicators of their work, paying attention to the rating of NPFs in 2018 and 2019.

Non-state pension funds (NPF) in Russia

Before proceeding with the choice of an NPF that you entrust, it is worthwhile to figure out what kind of organization it is, what is the specificity of their activities. These are organizations that are engaged in profitable investments of investors' funds in various projects. The degree of capital increase depends on how well the finances are invested. Funds are not engaged in production, 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 accumulative parts of pension funds. Some large firms also create them for their own employees. But since the foundations are not closed organizations, outsiders can also become their contributors. The advantage of such NPFs is the control over the investment of funds exercised by the 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 depositors. This organization has more than a million customers who have entrusted him with their savings deposits. The fund practices European service standards, clients have the opportunity to open an office, track the movement of personal finances. It is possible to withdraw funds to another fund in case of bankruptcy.

high interest rate established for policyholders investing the funded part in "Surgutneftgaz". Payments at rates are made on time, the organization has been operating for more than two decades, and has confirmed its reliability.

According to its history, Surgutneftgaz is not inferior to the leader of the rating. This NPF received the highest ratings from experts in terms of its level of profitability and degree of reliability.

The fund has a solid level of profitability "Welfare". For 15 years, he managed to prove his ability to competently conduct business, successfully invest the finances of investors. The number of clients of the organization exceeds one million, all of them receive payments on time.

NPF Blagosostoyanie received an A++ rating from experts in terms of reliability. This is one of best performance according to this criterion.

Qualified experts awarded the highest degree of reliability to the organization "National NPF". She is over 17 years old, the amount of savings is about two billion rubles. The Foundation is a member state program co-financing, which allows contributors to double their pension funds.

At 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 receive accurate data on the movement of finances on the account at any time.

The main advantages NPF "Education" There are three types of pension schemes: life, temporary (2-30 years), solidarity.

Defense Industrial Fund can be considered an ideal choice for those who prefer conservative, reliable options. This policy of investing finances provides a reliable income.

NPF Sberbank

Many future pensioners prefer to entrust their funded shares to the NPF of Sberbank. The main stimulating factor in this case is the state security of finances. Sberbank offers several ways for those wishing to accumulate pension funds.

Compulsory insurance makes it possible to increase the funded shares of pensions through permanent contributions. Individual options are being developed for clients planning to maintain their current level of income at retirement age. Corporate programs are designed 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 fully controlled by the trade union of the company, which excludes leakage of funds, cases of short-sighted investment of finances.

NPF "Doverie"

NPF "Doverie" was founded 18 years ago. The founders are organizations that take part in the economic life of the Nizhny Novgorod region, reputable banks. The fund participates in the co-financing program, which allows to significantly increase the funded pension part. Guarantees are provided by full control of the actions of the FIU organization.

NPF "Consent"

The Soglasie Fund is the legal successor of OAO NPF Soglasie. Qualified experts highly appreciate the work of the organization in terms of profitability, stability, profitability of investing clients' funds. The fund managed to double the performance of its predecessor.

NPF "European"

In any rating of NPFs of Russia, the Evropeisky fund occupies one of the leading positions. Such 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 customers. The transparency of the organization's work is ensured by the ability of depositors to monitor the movement of finances in personal account. The organization is included in the state co-financing program. The NPF accepts maternity capital to increase the funded pension parts, practices the development of individual pension plans, consulting, planning future pension payments, providing clients with ideal conditions.

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When choosing a suitable pension fund for the formation of savings for old age, the question arises not only about the reliability of the organization, but also about its profitability. To assess how well this or that fund works, the profitability rating of NPFs of Russia, which is compiled on the basis of data from financial statements published on the official websites of companies.

Reliability rating of Russian NPFs

As of the 4th quarter of 2017, there are 62 non-state pension funds. It is necessary to choose where to transfer the funded part of your pension, relying not only on data on the profitability of the fund, but also on its reliability.

You should pay attention to such parameters as:

• the presence of a license from the Central Bank - it can be checked in the register of official NPFs on the website of the Central Bank at cbr.ru/finmarket/supervision/sv_coll, NPFs without a license or with an expired period do not have the right to accept funds from the public;
• whether the fund participates in the deposit insurance system in 2017 - if so, in the event of the bankruptcy of the NPF or the revocation of its license, the bank, the state will pay compensation to all clients of the fund in the amount of the invested funds (you can also see this information on the website of the Central Bank in the same section);
• term of work - the longer the fund operates, the more experience has been accumulated by its managers and the more resilient the organization is to crises;
• who is the founder of the NPF - it is better if the fund is part of a serious holding company with strong financial support: then it is not threatened with either bankruptcy or merger;
• the amount of funds under the management of the fund - the more of them, the better: it is no coincidence that at the top of the rating of NPFs of Russia in 2017 in terms of profitability are the largest NPFs that are able to diversify their funds quite widely and derive the greatest benefit from market collisions;
• fund management - managers and management should not be involved in any dubious affairs, and the fund itself should not be affiliated with unreliable companies, including offshore ones.

In addition, the reliability of the fund can be indirectly indicated by:

• openness and informativeness of its site;
• quality work of call center operators;
• number of NPF branches;
• staff qualifications.

It is clear that if the fund is aimed at long-term work, it will do its best to create a favorable impression of itself and maintain a positive image.

Despite the fact that investments in NPFs, which are included in the DIA, are highly reliable, it is worth paying attention to the criteria for resistance to crisis phenomena. Whatever place the fund occupies in the profitability rating of NPFs of Russia in 2017, after closing, its clients will receive only the funds that they personally deposited into their accounts, and the funded part will be transferred in full back to the PFR. The accumulated investment income will be canceled - and whatever the profit, it will be lost.

Assessment of NPFs by rating agencies

Another reliability criterion is the assessment of the fund by rating agencies. In Russia, the most authoritative are the National rating agency and Expert. They draw their conclusions on the basis of an analysis financial condition fund, his investment strategy, the number of contributors, expenses and other indicators. There are not so many NPFs that received the highest rating (A++ from the Expert and AAA from the NRA).

• Neftegarant;
• Gazfond;
• Welfare;
• Rosgosstrakh;
• Sberbank.

The funds VTB PF, Big Pension Fund, Vladimir, Atomgarant, Safmar, Surgutneftegaz, Almaznaya Osen also have the highest rating on the Expert RA scale, but do not participate in the NRA ranking.

Profitability of Russian NPFs in 2017

When analyzing the profitability of a fund, it is necessary to pay attention to the following features:

• the yield on mandatory pension insurance programs and on individual pension programs may differ, since the funds form portfolios from different assets - it may turn out that the option with a non-state pension will be more profitable;
• analyze the profit of the fund should be in dynamics, calculating the average annual and accumulated income - this is the only way to get a true idea of ​​​​profitability;
• when looking at the rating of Russian NPFs in terms of reliability and profitability, one should compare the fund’s return with the current inflation rate and the profit of Vnesheconombank, the Pension Fund’s management company: ideally, the profitability of the selected NPF should be higher than both indicators.

You can view the profitability of NPFs based on data submitted to the Central Bank on the page npf.investfunds.ru/ratings/9. The site shows the ranking of the most profitable funds since 2008. The only drawback of this ranking is the inconvenient presentation of information.

Therefore, the rating of NPFs of Russia in 2017 in terms of profitability is given below in tabular form. In order to show the dynamics of profit growth of individual funds, the ranking includes data for the last 5 years - from 2012 to 2016. The table shows only the 15 most profitable funds. For reference purposes, the profitability of Vnesheconombank and the annual inflation rate are indicated.

If we talk about the average annual profit of funds, then the profitability rating of Russian NPFs will look like this (data taken for the last 5 years):

• Uralsib - 9.46%;
• Volga Capital - 9.38%;
• Gazfond - 9.26%;
• OPF them. Livanov - 9.09%;
• First Industrial Alliance - 9.06%%
• KIT Finance - 8.71%;
• Hephaestus - 8.64%;
• Heritage - 8.36%;
• Magnet - 8.32%;
• Rosgosstrakh - 8.23%.

The average profitability of Vnesheconombank over the past 5 years was 8.49%, while inflation growth was 8.54% per year.

Conclusion

Thus, according to the results of recent years, the profitability rating of NPFs in Russia is steadily occupied by funds with the largest volume of investments, a large number of clients and good financial support of the founders. At the same time, only 7 funds outstripped inflation and the profitability of the PFR itself (investments are made through Vnesheconombank). When choosing a fund, you need to pay attention not only to the potential profit, but also to the reliability of the organization. It is better if the funds are insured in the DIA - in this case, you can count on a return on investment in the event of a license revocation or the ruin of an NPF.

Citizens can keep their funded part of the pension both in the state Pension Fund and transfer it to non-state pension funds, which promise higher returns. But before deciding to transfer, you need to familiarize yourself with the NPF rating and the main criteria for choosing a fund.

The portal studied the NPF rating and found out which funds offer good income, which companies can be called reliable. Ratings of leading funds, what real yield they offer, which organizations Russians trust the most.

About NPF

Non-state Pension Funds are non-profit organizations to which citizens entrust their funded pensions. NPFs ensure the safety of these funds and their growth through investment. The work of such funds is strictly regulated and controlled by the state. They are regularly reviewed by various departmental bodies.

Every month your employer makes deductions to the Pension Fund of 22% of the accrued salary. Of these, 6% go to the funded part of the pension, which a citizen can manage - leave everything as it is, that is, store funds in the Pension Fund, or transfer them to a private pension fund. Both the FIU and the NPF "scroll" this money, thereby protecting them from inflation and providing at least a small income. And if you correctly study the rating of Non-State Pension Funds, you can do profitable investment. The yield of NPFs is traditionally higher than in the PFR.

By law, all savings funds of citizens are insured. If the NPF closes, all the money will simply automatically go to the FIU. If the fund has worked at a loss, it is obliged to compensate its citizens.

Which NPFs are most trusted by citizens

At the beginning of 2019, about 50 non-state funds were registered and officially operate in Russia, which attract pension savings from citizens. If we consider the NPF rating from the point of view of citizens' trust, then it will be as follows:

1. Sberbank. It occupies an honorable first place in the rating; more than 8.7 million people entrusted it with their savings.
2. Opening. It occupies the second line of the rating, more than 7.1 million people have their savings here.
3. Gazfond. A well-known non-state fund, almost 6.5 million people signed an agreement with it.
4. Future. The next step of the TOP NPF in terms of trust, more than 4.3 million citizens have concluded an agreement with it.
5. SAFMAR. It occupies the next line of the rating, it is trusted by almost 3.9 million Russians.
6. VTB. VTB Group Pension Fund, 2.66 million citizens keep their savings here.
7. Oil garant, he is trusted by almost 1.5 million people.

These are the largest non-state PFs in Russia in terms of the number of clients. Next in the ranking are companies that serve less than 0.5 million Russians. NPF Big - almost 430,000 people, Consent - 370,000, Trust - about 115,000, Magnit - 228,000, National - 285,000, Sotsium - almost 309,000, Education - 101,000. All other NPFs can be called quite small, their clients are less than 100,000 Russians. But small does not mean low-income.

Rating of non-state Pension Funds of Russia by profitability

When choosing an organization to invest your pension savings, the most important thing is to look at the profitability of the organization, at the dynamics of its testimony in recent years. On the website of the Central Bank, you can find information on the profitability of each operating NPF, for each year of its operation.

If the NPF works efficiently and invests client funds in good assets, then the client receives income, his size of the funded part of the pension will increase. Accordingly, if there is no profit, then there will be no growth.

For comparison: VEB is engaged in investing the funds of citizens who are in the PFR itself. At the end of 2018, he reported a yield of 6.07%.

If we study the rating of non-state Pension Funds in recent years, we can find that over the past two years their profitability has declined significantly. In 2015 and 2016, many companies showed excellent results, in many NPFs, the profit of citizens reached 10-12% per annum. But according to the results of 2017 and 2018, it is clear that the profitability has decreased significantly.

For a more objective understanding of the picture, we will rank the NFR of Russia according to the following algorithm: in descending order of profitability based on the results of work in the 1st quarter of 2019. To understand the dynamics of profitability, we will look at the profitability of the same company for 2018 and 2017.

1. Hephaestus. Profitability for the 1st quarter of 2019 - 12.42%, at the end of 2018 - 3.94%, at the end of 2017 - 9.97%. This is a leading fund, but, as you can see, its performance cannot be called stable. The clients of this company are only 30,400 people (for the 1st quarter of 2019).
2. Construction complex. Profitability for the 1st quarter of 2019 - 5.82%, for 2018 - 3.94%, for 2017 - 7.96%. Also unstable indicators, but they cannot be called low for the current years. At the beginning of 2019, 38,750 people are the clients of the Stroykompleks.
3. Surgutneftegaz. Profitability for the 1st quarter of 2019 - 10.67%, at the end of 2018 - 5.32%, at the end of 2017 - 8.74%. The current client base is almost 38,000 people.
4. Opening, earlier this NPF was called Lukoil Garant. Profitability for the 1st quarter of 2019 - 10.04%, for 2018 - minus 10.8%, for 2017 - no data. Last year, the company experienced problems (reorganization of Otkritie Bank), but now the situation has leveled off. The client base is more than 7.1 million Russians.
5. Neftegarant. Profitability for the 1st quarter of 2019 - 9.97%, at the end of 2018 - 5.12%, at the end of 2017 - 8.13%. The number of clients is 1.47 million people.
6. Khanty-Mansky NPF. Profitability for the 1st quarter of 2019 - 9.55%, at the end of 2018 - 4.15%, at the end of 2017 - 8.16%. The number of clients is almost 135,000 people.
7. Sberbank. Profitability for the 1st quarter of 2019 - 9.35%, for 2018 - 4.64%, for 2017 - 8.7%. The number of clients is 8.7 million citizens.
8. First industrial alliance. Profitability for the 1st quarter of 2019 - 9.25%, at the end of 2018 - 5.04%, at the end of 2017 - 8.14%. Clients are 31850 Russians.
9. UMMC-Perspective. Profitability for the 1st quarter of 2019 - 9%, at the end of 2018 - 4.47%, at the end of 2017 - 9.19%. The number of clients is 92,500 people.
10. Big. Profitability for the 1st quarter of 2019 - 8.79%, in 2018 - 2.21%, in 2017 - 7.16%. Serves about 430,000 citizens.

Information on profitability was obtained from an official source - information provided by the Central Bank of Russia.

Summing up

And what is most interesting is that in the NPF rating by profitability there are only 4 companies that are in the TOP organizations in terms of the number of clients (NPF Sberbank, Otkritie, Neftegarant and Bolshoi). But we will still indicate their profitability for the 1st quarter of 2019: Gazfond - 5.27%, Future - 8.72%, SAFMAR - 8.51%, VTB - 7.49%,