"Trust" (NPF): reviews, rating. NPF "Doverie": how to terminate the contract?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

There are several dozen non-state pension funds in Russia. Their main function is to assist the state in paying the appropriate type of compensation to citizens. Among the most well-known brands of the Russian pension insurance market is NPF Doverie. This organization has been successfully operating in the market for over 17 years. What are the specifics of the activities of the Fund "Trust"? What do NPF clients write in their reviews on the fact of interaction with the fund? What are the positions of NPFs in the ratings of well-known agencies?

Fund information

NPF "Doverie" was established in 1997 - this is one of the first non-state pension funds in the Russian Federation. Among the co-founders of the organization are VolgaTelecom, OJSC NMGK, OJSC Granit, OJSC Nizhpharm, and CJSC Nizhegorodpromstroybank. NPF cooperates not only with individuals, but also with legal entities.

In 2004, the organization received a license to operate in the field of pension insurance and non-state security. In 2010, NPF "Doverie" entered into an agreement with OJSC "BINBANK". Subsequently, the organization became the managing company of the fund."BIN FINAM Group". Another management company affiliated with the fund is Management Company Basis-Invest LLC. Now NPFs are in the top 10 Russian organizations of the corresponding profile. The fund is considered one of the most highly profitable. The fund is in the top 30 Russian organizations in terms of its own assets.

Geography of activities

Where is the head office of NPF "Doverie"? The address of the management structure of the organization: Moscow, Bolshoy Savvinsky lane, 12, building 9. The size of the authorized capital of the organization is 150 million rubles. The current geography of NPF "Doverie" - Moscow and more than 20 Russian regions. The fund is estimated by experts as one of the most dynamically growing in terms of network development in the subjects of the federation.

Structure transformation

In 2014, the fund carried out the procedure for transforming the organizational and legal status - from NCOs to JSCs. A new structure was created - CJSC NPF Doverie. In 2015, the fund was included in the state register of organizations that became members of the client rights insurance system. Now CJSC "NPF Doverie" is the official name of the organization.

Results and ratings

In 2012, the organization entered the top 10 funds in terms of the number of signed agreements on the participation of citizens in the compulsory pension insurance program. In the same year, several leading banks in the Russian Federation became NPF partners. The fund's marketing strategy includes a wide range of activities: the use of advertising channels, online resources.

NPFcarries out 2 main areas of activity: work in the field of non-state security, as well as interaction with citizens within the framework of compulsory pension insurance programs. Both areas of the organization's work are assessed by experts as successful. So, for example, in the first quarter of 2013, more than 339 thousand people in the aspect of interaction under compulsory pension insurance programs gave confidence to the fund. NPF, reviews of which began to be actively disseminated online, were characterized by clients as a structure in which qualified and responsive specialists work. In the 1st quarter of 2013, the amount of savings in the fund amounted to 7.8 billion rubles, which is about 20 times more than the figure for the same period in 2012.

Assessed by the National Rating Agency

One of the indicative criteria of the reliability of NPF "Doverie" is the rating. It can be formed on the basis of criteria proposed by different organizations. Thus, the National Rating Agency considered that for NPF "Doverie" the rating should be determined at the level of AA-. In accordance with the classification adopted by this organization, this indicator characterizes the fund as a very reliable structure.

Assessment of RA "Expert"

Another organization, the Expert RA agency, considered that the fund should be classified as an organization with an A + rating. In accordance with the classification of this agency, this means that the NPF is also characterized as reliable. At the same time, "Expert RA" analysts assigned the status of "stable" to the forecast. This means that ZAO NPFTrust” (reviews of many experts correlate with this point of view) is highly likely to retain its current rating in the future. Consider the nature of the respective ratings in more detail.

High ranking factors

What is the reason for the fact that the Fund "Trust" has taken such a high position? NPF (reviews of many market analysts confirm this), first of all, managed to build a balanced investment strategy. Also, one of the positive factors in assessing the activities of the organization is the support provided by the founders. A significant role is played by the dynamic distribution of NPF divisions in the regions of Russia, as well as the high qualification of the staff of the fund. According to analysts, the top management bodies of the fund employ people who are considered among the most competent in the field of non-state pension insurance.

The investment policy of the organization is characterized by experts as rather conservative. That is, NPF "Doverie" (reviews of employees working in relevant positions confirm this) builds its work, trying to ensure, on the one hand, a high level of profitability, on the other hand, to use reliable financial instruments.

Regarding the opinion of the Expert RA agency, a positive factor in its assessment of the fund's rating was also the high level of profitability of savings accrued to the personal accounts of citizens who have concluded insurance contracts with NPFs. For example, in the period from 2009 to 2012, the corresponding figure was 29%, inwhile inflation did not exceed 23% in the same period.

The high reliability rating of NPF Doverie CJSC, according to analysts, may also be associated with the impressive growth dynamics of savings, as well as the fact that the fund is among the leaders of the Russian market in terms of such a criterion as the number of signed agreements in OPS segment.

Other positive indicators that influenced the assessment of "Expert RA" - the optimal ratio of the insurance reserve and such an indicator as RPPO. Analysts recorded that in the 3rd quarter of 2013 it amounted to 6.4%, while the median value for the market was fixed at 6%.

It can also be noted that the business processes and the functioning of the fund's IT infrastructure were assessed by Expert RA for NPF Doverie as moderately high.

The most important factor that influenced the high positions of NPFs in the rating of a well-known agency is the disclosure of the organization's financing plan by the investor. So, since 2011, such a subject has been a large financial organization that is interested in promoting the non-state pension insurance market.

Restraining criteria

One of the limiting criteria in assessing the stability of the fund by experts of "Expert RA" was the fact that the NPF is characterized by a high share of savings in the total amount of pension funds - about 97%, as well as a rather low indicator of IODI adequacy - according to the results of the 3rd quarter In 2013, it amounted to 0.2% in relation to savings, as well as 2% in terms of NPF expenses. Analysts of "Expert RA" found it difficult to assess the prospects, andas well as the quality of services that characterize the management company "BIN FINAM Group". This organization has not been assessed in terms of reliability ratings formed by experts from Expert RA and other well-known structures that would meet the criteria for classifying a company as an “A” level and steps above it.

Further development strategy

Data published in various sources indicate that the fund will focus development on further increasing the client base, as well as creating pension programs in the corporate communications segment.

Also, the fund's promising business model involves further improving the quality of interaction with clients and increasing the efficiency of the functioning of various structures of the organization as a whole.

Termination of the contract with NPF

Despite the fact that the reviews left on specialized portals by clients of NPF "Doverie" are largely positive, some citizens are faced with the need to terminate the contract with the fund. This may be due to various reasons. For example, an employer company that has entered into an agreement with another fund can make appropriate recommendations. If a person decides to refuse cooperation with NPF "Doverie", how to terminate the contract in the most correct way?

Permissible terms for terminating the contract

In accordance with the law, termination of the contract with NPF is possible at any time. All a citizen needs to do is send an application to the organization of the appropriate type. Alsoit is necessary to sign documents, according to which the amount placed on the accounts of the NPF will be transferred to another fund or transferred to the bank details of the citizen.

At the same time, the payment procedure established by NPF "Doverie" may differ from the standards adopted in other organizations of a similar profile. But, as a rule, the payment of amounts is carried out when the accumulated funds are used in the formula for calculating it, as well as the added amounts of income. Those payments that have already been made are deducted.

It doesn't matter when exactly a person decided to terminate relations with the Trust Fund - at the stage when funds are accumulated, or in the process of making payments. The entire amount payable to the client must be transferred within the established procedures.

Tax liabilities

The right of a citizen to receive income from the NPF, with which the contract is terminated, is also accompanied by the obligation to pay personal income tax on the corresponding type of proceeds. True, if a person has chosen the option by which funds are transferred to another NPF from Trust, then there is no need to pay tax. Another nuance: the financial costs associated with the transfer of funds from one organization to another are borne by the NPF client.

The rules we have considered are common to all non-state funds, including NPF "Doverie". How to terminate the contract, we have studied. Now let's explore the range of opinions of experts, as well as clients of "Doveriya". What is the degree of sentiment among the depositors of this non-state pension fund?

Reviews about the Fund "Trust"

Many market experts say the fund is lucky to have a name that includes the word "trust". NPF (reviews of many of its contributors confirm this) managed to impress citizens with a high level of competence of employees. Citizens speak of the organization's specialists as qualified, experienced experts who are ready to explain to the client any nuances of pension programs.

For opinions about the NPF under consideration, it is characteristic that the degree of assessment of the activities of organizations does not depend on the region. If the city in which the clients who left reviews about NPF Doverie live is Moscow, then the opinions are just as constructive as if they are formed by investors, for example, from Orenburg. This suggests that in all regions the NPF operates within the framework of a single model of interaction with clients, which, apparently, is characterized by a properly personalized approach and high quality of service for citizens who have applied. If the city where the branch of NPF "Doverie" operates is Samara, the reviews from local citizens will probably be similar to those left by Muscovites.

Yield factor

What exactly do fund contributors like besides service? If we analyze opinions for the factors that predetermined trust, NPFs (reviews of many analysts correlate with this) attract customers with reliability. That is, the fund does not promise investors incredible returns, but it makes it clear that the indicators that are achieved as part of the current investment strategy did not arise.by chance. Therefore, as evidenced by the reviews addressed to NPF "Doverie", customers are attracted by transparency in the organization's relations with depositors. NPF specialists who interact with citizens explain in detail the advantages of concluding an agreement with the fund, focusing on the balance of the organization's investment model.

There is also a he althy degree of doubt among citizens regarding the activities of the fund. They are connected mainly with precedents that reflect visits by representatives of NPFs to potential clients' apartments and intrusive offers to conclude an agreement. However, there is no reliable public information that such a practice of NPFs is systemic, as well as facts that undeniably confirm that it is Doveriya employees who make the visits. The agent can be an intermediary offering to conclude agreements with different NPFs.