7 most reliable private pension funds

Non-state pension funds (NPF) - a way to increase the volume of the funded part of their pension. Being, in fact, investment companies, they offer a larger percentage of these funds than the Government of the RF Pension Fund. However, the choice of non-state pension fund should be taken as seriously as possible.

We have compiled a rating of the 7 most reliable private pension funds, which can definitely be trusted to manage their savings.

Rating best NPF

Nomination	a place	Name of product	Rating
Rating best NPF	1	JSC "NPF Sberbank"	4.9
	2	OAO NPF Gazfond Pension Savings	4.8
	3	JSC "NPF" Lukoil-Garant "	4.8
	4	JSC "NPF" VTB Pension Fund "	4.8
	5	JSC MNPF Bolshoi	4.7
	6	JSC "NPF Agreement"	4.7
	7	JSC "NPF" Surgutneftegaz "	4.6

JSC "NPF Sberbank"

Rating: 4.9

Why he: Included in the group of companies with partial state control.

NPF Sberbank is a part of the relevant group of financial and banking companies, the main advantage of which is partly state control. Thus, according to official statistics, the Russian Federation owns 50% of the company's shares - and plus 1 vote for full control at directors' meetings. Thus, the reliability of APF Sberbank JSC is not in principle disputed.

With the yield is also very good. According to official information, the Sberbank pension fund increases savings by 7.5% per annum. The site also provides a handy calculator.

Remote transfer of deposits is supported. For the convenience of users, a multifunctional personal account with savings control, full information and technical support by calling the hotline and a simple payment procedure using bank cards are offered.

OAO NPF Gazfond Pension Savings

Rating: 4.8

Why he: Part of the group of companies "Gazprom", convenient payment programs.

This private pension fund is included in the Gazprom group of companies, which is the largest commercial commodity producer and producer. Being, in fact, a monopolist in the natural gas market, it offers a powerful means of accumulating liquidity. Therefore, its managing accumulation division is distinguished by reliability and stability.

But its main advantage is convenience. So, here are presented two pension plans, which provide for both independent contributions and direct transfer of mandatory contributions from the employer. In addition, participants can independently choose the frequency of payments - monthly or quarterly.

According to official information, the yield of stored savings is up to 25% per annum, depending on the success of the investment. You can transfer funds remotely, and make contributions - directly from bank cards, also without a visit to the office.

JSC "NPF" Lukoil-Garant "

Rating: 4.8

Why he: One of the largest private pension funds in the country.

In 2018, NPO Lukoil-Garant merged with several other non-state funds previously controlled by Otkritie Bank, and thus became one of the largest not only in the rating, but also in the country as a whole.

Thus, according to official information, the fund has existed for 24 years. During this time, more than 7.9 million people across the country have become his clients. The total amount of savings is over 507 billion rubles. And paid to customers - more than 80 billion rubles. The average profitability of savings, as indicated in the calculator on the website, is 8.8% per annum.

Lukoil-Garant not only manages the funded part of the pension, but also offers the payment of completely non-state pensions. Almost all transactions for the conclusion of the contract and account management are performed remotely - through the site.

JSC "NPF" VTB Pension Fund "

Rating: 4.8

Why he: Non-state pension fund from the largest commercial bank in the country.

VTB is the largest commercial bank in the country. The state's share in its stake is about 43%, so that any decisions on development are made by the board of directors. Thus, NPF “VTB Pension Fund” offers high interest rates - one of the biggest, up to 15-20% stable.

In addition, it is the only one in the rating of the NFP that offers a non-state pension with payment for 15 years. This program is also highly profitable. Thus, according to official information, investors for the period from 2010 to 2017 received a profit on their accounts in the amount of 79%.

The fund offers very flexible conditions for non-state pensions. Thus, the amount of the monthly contribution may be less than 1000 rubles. Of course, in this case, a smaller amount of funds will be payable for retirement, but thanks to this condition, current costs will be minimal.

JSC MNPF Bolshoi

Rating: 4.7

Why he: High profitability of savings and co-financing program.

The non-state pension fund “Bolshoi” is one of the first private pension funds that began operating in Russia. In addition, it works independently, is not part of the banking or financial structures, thanks to which it applies highly profitable investment programs. However, specialists do not choose risky campaigns by investing in real estate and similar financial instruments with a fixed level of profitability.

The average yield of accounts, according to previously published information, is 7-10% per annum. Official information from the NPF “Bolshoi” shows that he has a capital of more than 38 billion rubles, he has about half a million customers, and receive pensions of about 25 thousand people. RAEX Rating Service has given it the highest level of reliability.

The Fund participates in the programs of non-state security and co-financing.

JSC "NPF Agreement"

Rating: 4.7

Why he: Pension fund with one of the largest capital.

The main advantage of NPF "Consensus" is one of the largest capital in the rating. According to official information, the volume of funds managed is more than 100 billion rubles. This was achieved primarily due to a long working time. The company has existed since 1994 and is one of the first such organizations in the Russian market.

In addition, he reports a high profitability of savings. Thus, for the period from 2013 to 2017, according to official information, the total amount of dividends on accounts amounted to more than 55%. This is primarily due to the fact that management uses efficient investment instruments. The average yield, according to the calculator, is about 10% per annum.

However, Consent offers quite a few packages. It is focused primarily on the multiplication of the funded part.

JSC "NPF" Surgutneftegaz "

Rating: 4.6

Why he: High stability according to experts of ranking agencies.

The main advantage of this pension fund is its high stable rating according to the regular checks of the Expert RA agency. Over all the years of its existence, he has received an estimate of either A ++ or ruAA, which speak of the reliability of both the company and the funds managed by it.

This private pension fund is part of the Surgutneftegaz group of companies that specialize in the extraction and processing of minerals. As a result, they are distinguished by a stable position in the market and excellent capitalization. As a result, the average yield of deposits is about 10% per annum.

The fund works under the co-financing program. He has only one pension package, non-state payments are not supported.

It is worth noting that Surgutneftegaz is exclusively regional and operates on the territory of several regions and territories in Siberia.

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Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.