10 most reliable NPF

Non-state pension funds can help to accumulate a pleasant amount to retire. They allow you to transfer potential savings to trust management. Due to what you can get a certain return, as a nice addition to future payments. Unfortunately, the profitability of NPF is unstable. In one year it can reach 20%, in the other - fall to zero. So it is worth tracking the performance over at least the last three or four years. Ideally - for all the time.

It is important that the NPF has worked in the market for a long time. After all, only the best could "live" to our days. So, out of 270 funds in 1998, by 2018 only about 60 remained. So age is one of the main indicators of reliability. A good private pension fund simply must be reliable. And the longer it works and the better the professionals speak about it, the higher the chances that pension savings will not go down the drain. Our reliability rating of non-state pension funds was compiled not only on the basis of feedback from real customers, but also on the opinion of professional rating agencies and the Central Bank, as well as taking into account the real benefits of NPF.

TOP 10 best NPF

In addition to the reliability of the non-state pension fund, it is important to pay attention to some other indicators. We have given some necessary parameters in the table to make it easier for you to compare and choose the most suitable option for you.

APF	Accumulated yield over 5 years	Year of creation	Founders
Gazfund	57,14%	1994	Gazprom
Sberbank	53,4%	1995	Sberbank
Lukoil Garant	47,5%	1994	"Lukoil"
Consent	55,58%	1994	Concern "Rossium", IC "Region"
Neftegarant	51,8%	2000	Rosneft, IC Neftepolis
Surgutneftegaz	48,6%	1995	Surgutneftegaz
VTB Pension Fund	36,4%	2007	VTB Group
Diamond autumn	37,1%	1995	Alrosa, Profalmaz, Bank Derzhava
National NPF	33,1%	1997	Tatneft, Bank Zenit
Magnet	36,5%	1995	CJSC "United Capital", JSC "Tander"

But the most interesting things are described separately in the review of each APF. So for the details - just below.

10 Magnet

It opens the rating of the most reliable and stable pension funds of the NPF of the eponymous chain of stores, which shows quite good, even if imperfect, results on the pension fund market. Previously known as the Christian Virtue Pension Fund, it was renamed Magnit in order to maintain the brand. For 2017, the yield, unfortunately, is not encouraging - only 3.18%. However, over the past years it has been stable, so that the NPF still has a chance to improve and return to normal incomes.

In the reviews, customers note that the main clientele of the NPF are employees of the Magnit store chain. However, anyone can become a depositor - now over 220 thousand people are clients of compulsory insurance. And many praise the good management and stability of the fund. In general, we can say that this APF is trustworthy. But expect transcendental returns are not worth it.

9 National NPF

Regional pension fund, mainly known in Tatarstan. Outside it, too, is capable of providing excellent results, so you shouldn’t write it off. A number of experts determine the reliability of NPFs to a very high level. Trusting organizations is definitely possible. For 2017, the organization has a good yield of 9.81%.True, over the past five years, the cumulative yield is not encouraging - only 33.1%, which is not the highest value in the ranking. High profits may be unstable, but the APF does not fail at zero. But this is offset by the high usability of the fund.

Pleases the abundance of pension programs - only eight of them. And some of them are directed not only at the investor, but also at his family. For example, the program "Care" allows you to take care of the pension of another person. A "Family" will provide an excellent pension for both spouses, even if only one worked. There are separate programs for different segments of the population with different needs and desires. So any person can choose the best for himself.

8 Diamond autumn

This pension fund is recognized as reliable leading agencies with minor flaws. It is considered the largest Far Eastern APF. It was originally intended for workers of diamond-mining enterprises, but decided to go further and increase the clientele among other citizens. Today, 24,000 people participate in the program, and among them more than 20,000 pensioners are already receiving well-deserved money. Reliability is confirmed not only by ratings and reviews - “Diamond Autumn” serves the administration of Mirny.

According to the Central Bank, it has an excellent percentage of profitability for 2017 - 11.16%. But on average over the past years, it is noticeably less - in 5 years only 37.1% has run over. You can talk about stable profitability, but not too high compared to other APFs. Such companies as Kapital and VTB Capital Asset Management are involved in management, and the investment policy is prudent. NPF is invested most of all in state assets and banks, which allows you to manage money more accurately.

7 VTB Pension Fund

The youngest non-state pension fund of 2007 is “born”, which has already gained the trust of not only citizens, but also rating agencies (assigned the highest rating). It is on a par with the best "veterans" of the market and delights customers with good returns. The founder is a bank with state participation from the TOP-10 of the most reliable, therefore you should not doubt the safety of pension funds. The VTB Group includes more than 20 companies operating in different countries of the world. According to VTB itself, collecting feedback and feedback, almost 90% of customers are satisfied with the work of the service and managers.

The pension fund in 2017 had a good yield - 9.02%. In general, over the years she has always been positive - APF has never failed in a minus. Today, the fund serves more than 2 million people. The Fund uses its own management company, a member of the group, VTB Capital Asset Management. So the money, in fact, does not leave the network of companies of one owner, which provides additional reliability.

6 Surgutneftegaz

Surgutneftegaz is focused mainly on the northern regions of Russia. However, nothing prevents to conclude contracts to residents and other areas. Among the founders is OJSC “Surgutneftegaz”, which with its own reputation is responsible for the work of the NPF. In addition, experts assign organizations a very high reliability indicator, so you can not be afraid of cheating. Pension savings will not go anywhere.

NPF has a good, though not very stable, annual yield. Pension insurance fell into the list of duties of Surgutneftegaz in 2009, and at the same time he gave a phenomenal return of 43.55%. From that moment on, its level ranged from 0.28 to 12.94%. In 2017, the yield was 8.74%. Competent management of leading management companies (“Region”, “Kapital” and “Gazprombank Asset Management”) will provide a good pension supplement in the future.

5 Neftegarant

APF, closely associated with the oil industry.One of the founders is the company Rosneft, 50% of which is owned by the state-owned company Rosneftegaz, and which for the sake of image will not allow its pension fund to work poorly. Shows an excellent level of accumulated profitability in recent years. In 2017, he was able to put 8.13% on pensioners accounts, which is quite a good indicator. NPF seeks to invest contributions received from investors with minimal risk, which ensures stability.

According to the organization, now more than 150 thousand people are members of the NPF, and more than 80 thousand of them already receive a pension. Together with the highest reliability indicators from rating agencies, this gives reason to trust the organization. The accumulations are managed by the best companies - for example, Region, the services of which many APFs resort to. Consequently, stable profitability is provided by professionals, so you can get a good addition to your pension. For all the years of work, it only fell three times below 8%.

4 Consent-OPS

Not the most famous NPF, which is able to provide a good yield and excellent conditions. “Consent-OPS” occupies a high position in the ranking of the best according to the data of the Central Bank of the Russian Federation - until 2017 it had the highest accumulated profitability on the market - more than 60%. Now it has slightly decreased, but it did not affect payments much. In 2017, the yield was 8.31%, and more than 1.1 million people served in the fund.

“Consent-OPS” tries to work actively with clients, and not just with their money. Agents are competent and have enough knowledge not only about the work of private pension funds, but also about the sphere as a whole. We are pleased with a large number of positive reviews from customers, in which they rest on the high quality of service and good profitability. NPF also has a certain practice of assistance in processing payments, so it is much easier for customers to get what is due. Online support is also ready to answer all questions and solve problems. In general, it is worth noting the high level of customer service.

3 Lukoil Garant

Reliable and convenient NPF. The founders - the oil company "Lukoil". Included in the TOP-5 of the largest NPF at the end of 2017, serving almost 8 million people. The organization has a functional website through which you can literally do everything - from registration and deductions to updating information. NPF has a truly impressive network of partners - among them Alfa-Bank, Renaissance Credit, UBRD, Promsvyazbank and several other major institutions. This provides a wide coverage area - you can enter into an agreement anywhere, if it is more convenient to do it personally.

Unfortunately, the last year at Lukoil Garant did not ask - the yield in 2017 fell to -5.26%. But in 2016, the yield was 8.23%. The merits of previous years allow us to hope that the institution will improve. In the reviews, customers emphasize that the NPF is really reliable, and does not cause any complaints in the work. All problems and issues are resolved quickly. The trust of the leading rating agencies that assign the fund the highest level of reliability confirms the safety of investments.

2 Sberbank

The largest non-state pension fund of the country. The owner is only Sberbank, there are no other founders and shareholders. This confirms the reliability - while Sberbank is alive, its private pension fund will live. Consequently, nothing will happen to pension savings. Also, leading rating agencies rated NPF Sberbank as the most stable and reliable. Sberbank's subsidiary took over from the “parent” almost everything convenient — accessibility to a wide circle of the population both financially (entrance threshold is only 1,500 rubles) and territorially (there are offices in each city), reliability and convenience.

As a rule, the profitability of Sberbank NPF provides a quite stable income and the fight against inflation. For example, in 2017 the increase was 8.34%. It invests the fund only in reliable securities of various industries. Conveniently, the NPF of Sberbank allows you to return a social tax deduction of 13% from deductions.In the reviews, you can often find positive customer comments - mostly about the convenience and benefits of using the fund. Of the shortcomings that customers note is bureaucracy. On the other hand, the benefit is worth it, and retirement savings need to be removed every day.

1 Gazfund

Partially state-owned NPF (the main founder is Gazprom, more than 50% of whose shares belong to the state), which will competently take care of the money of future retirees. The fund is assigned the highest level of reliability. In addition, it has a fairly high yield for 2017 - up to 9.91%. Since Gazfond is trying to invest only in highly liquid securities from leading sectors of the economy, we definitely should not expect a fall in the minus.

Conveniently, there are several pension plans to choose from. Conditions they differ in terms of payment, a specific amount and so on. I am glad that you can set not only the amount of deductions, but also the amount of the desired pension per month. A convenient calculator allows you to calculate payments per month, quarter, year, and even one-time. Unfortunately, in some regions, unscrupulous employees may resort to not the most honest ways to attract customers - for example, apartment rounds and persistent persuasion. Judging by the reviews, this slightly tarnished the reputation of Gazfond. But the profitability and the benefits did not fall, so the fund can be trusted with funds.

Popular vote - which NPF is the most reliable
We vote!

Gazfund

Sberbank

Lukoil Garant

Consent

Neftegarant

Surgutneftegaz

VTB Pension Fund

Diamond autumn

National NPF

Magnet

Other

Total votes: 511

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