To whom to entrust pension savings? Rating of pension funds
For some time, every Russian has the right himselfto dispose of their savings for old age, namely: to leave part of the pension, called a funded one, in the state pension fund or to entrust the earnings earned by the private company. As a rule, profitability is higher for non-state funds. But most citizens do not rush to trust the accumulation of such companies.
Why You Need to Know
Firstly, in the minds of many Russiansstate - means stable. And the private firms that appear in large numbers do not inspire confidence. Secondly, there are so many changes in this legislative sphere that it is sometimes very difficult to follow them, so future pensioners decide to leave everything as it is. Thirdly, because of the habit of postponing everything for later or hoping for "maybe", people simply do not deal with these issues. For young working citizens is characterized by the view that "until retirement you still need to live." Although time passes quickly, and the moment of the onset of pension - not far off.
The popularity of pension funds
When deciding to dispose of theiraccumulations independently and entrust them to a private company to begin with, it is necessary to study the rating of the profitability of non-state pension funds. Today, such information can be found in many publications. This is how the rating of pension funds for 2013 looks like, according to one of them. The companies participating in the comparison were assessed according to the level of investment returns. The first place is held by NPF "Transneft" with a percentage point of 16.9%. Silver receives the company with the sonorous name "Welfare". The top three leaders are the power industry fund with a 10.9% return on investment. The fourth place is held by the NPF Lukoil-guarantor, the fifth place - APF Sberbank with a yield of 9.26%. The rating agency Expert RA, which was engaged in research of companies' performance, places sixth place in Norilsk Nickel with a numerical index of 9.3% per year. The rating of the non-governmental pension funds of Russia is "Surgutneftegaz", "Telecom-Soyuz", "Gazfond" and VTB "Pension Fund".
Other performance indicators of companies
The previous rating of pension funds was compiledbased on an assessment of the level of return on investment, that is, the effectiveness of disposing of pension savings. But there are other criteria for analyzing the work of the company. For example, the reliability rating of pension funds. This indicator has three varieties: the highest level of reliability, very high and high. The highest ratings in the reliability rating for 2013, according to the National Rating Agency, received funds: "Welfare", "KIT Finance", "Sberbank", NPF electric power. These are companies that, even in the constantly changing and volatile economic conditions, keep their commitments. The average niche in the "reliable" rating is occupied by: Neftegarant, Stalfond, Sberfond RESO, Trust, Uralsib. The rating of pension funds is completed, according to the same National Agency, funds with a high level of reliability - Blagovest and Vneshpromgarant.
Additional criteria for selecting APFs
However, not only the rating of pension fundsis decisive in the choice of a particular company. It is necessary to find out how long the firm exists. As a rule, the older it is, the more trust it deserves. Pension funds are obliged to obtain a license before starting their activities. These licenses are issued for a certain period, but there are also perpetual ones. In addition, when assessing the performance of private funds, indicators such as pension savings, pension reserves that make up the firm's property are taken into account. The criteria for the operation of an NPF are the number of clients participating in the compulsory insurance system, as well as those who have entrusted their pension savings to the company. The higher those or other indicators, the more reason to trust the selected fund. When comparing the indicators of companies it is desirable to be guided by the data for several years, and not for one year.
The activities of commercial funds are regulatedcurrent Russian legislation. In addition, in 2012, after the adoption of relevant regulations, the number of non-state pension funds fell by half and amounted to just over a hundred. Remained basically the largest companies. The control of the state for such firms is becoming tougher from year to year. So that Russians can not be afraid for their money. It should be remembered that the placement of pension savings can be changed once a year. To do this, you need to write an application to the Pension Fund Board. Between the future pensioner and the firm is a contract, which is also a guarantee of the reliability of relations. The main thing is to take an active part in the formation of your future pension today. To earn a great experience, to have a salary with the necessary deductions to the pension fund and it is advantageous to place the accumulative part of the pension in the income funds.