2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
In Russia, since 2002, citizens born in 1967 and later, the pension is formed from two components: insurance and funded. The first part (insurance) gives the right to a pension upon reaching retirement age, while the money withheld from income goes to pay current pensioners. This is the prerogative of the Pension Fund of the Russian Federation (PF). In the second - the accumulated money belongs exclusively to the one who deducts them. Here you can create capital both through a state pension fund and through a non-state one (NPF), for which you need to conclude an appropriate agreement.
Whom to trust your future
Here is just a wide field of activity (after all, there are many NPFs) and a big responsibility (this is your future pension). Experts can help, and it would be nice to ask yourself, for example, the ratings of NPFs, the history of a particular fund on the market, read the reviews of citizens.
Pension fund "European"
The non-state pension fund "European" was founded in 1994. He has experience and offers European service. At the rateRussian agency "Expert RA", its rating is "A +", which means "very high level of reliability". He is a member of the National Association of Non-Governmental Pension Funds and is a member of the American Chamber of Commerce. The range of services is large. These include pension savings management, pension plans (individual and corporate), life insurance and investment products. Pension fund "European" has opened representative offices in more than 50 cities of Russia.
Ratings
On their own, even very important figures will not say much to an ordinary person. But a place in the ranking is already something. Analysis of NPF activities is carried out regularly. Select from all the indicators what is a guarantee of reliability for you. For example, the pension fund "European" in the ranking (rating) for some indicators on 2013-01-07 (except for profitability - here are the data as of 2012-31-12):
| Indicators | Ranking | Number of rating participants |
| by return on investment savings | 2 | 84 |
| by number of insured persons | 20 | 95 |
| by amount of pension savings | 18 | 95 |
| by number of participants | 56 | 126 |
| by the number of people who already receive pensions | 79 | 120 |
Important is also the growth of indicators insidespecific fund for several years. Over the past 2 years, the European Pension Fund has increased pension and insurance reserves, reserves to cover liabilities, and income from placed pension reserves.
Reviews
The opinions of people, members of funds, to some extent can also help to decide. Although you need to understand that this is a subjective assessment of a person, and it depends on the level of his knowledge, attitude towards himself or others, and even, say, the weather. The European Pension Fund is no exception. Reviews are both positive and negative. It's quite normal. The main thing is that today people have an alternative.
They have the right to decide where to accumulate funds. Competition encourages market participants to improve and be attentive to their customers.
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