2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Formation of a pension is of interest to almost every working citizen. Today we have to find out how good the National APF is. What is this company? What are the pros and cons of cooperation that clients see in this non-state fund? Is it worth applying here for the formation of the funded part of the pension?
Description
National NPF is a non-state type pension fund. It offers insurance and pension savings services. Does not carry out any other activity, which pleases customers.
NPF "National" is a typical representative of NPFs in Russia. In it, the open contribution is not only preserved, but also slightly increased. On this, all activities of the company are terminated. When the time comes, the organization pays cash to customers. You can transfer your savings to another NPF at any time.
Company rating
What features of the company do potential investors pay attention to most often? NPF "First National Pension Fund" receives mixed reviews for its place in the rating of NPFs in Russia.
The studied company is located approximately in 17-18th place. This is far from being a leader. Therefore, some potential contributors are skeptical of the organization.
It is difficult to name the exact location of the fund in the rating of NPFs in Russia. You can simply say that the organization is not among the top 10 leaders in the country. But in the 20-30s you can meet her.
Other rating
But that's not all the organization has prepared. The National Rating Agency NPF evaluates by many indicators. Basically, the list of leaders is compiled in relation to the amount of pension savings. But there are other components of the rating.
National APF ranks 10th among pension funds in terms of pension reserves, as well as 14th in terms of capital. The company has held similar positions since 2014.
It can be concluded that the company has not the worst performance. Therefore, it should not be excluded from pension funds in which it is planned to invest funds to form a pension in the future.
Yield
An important factor is such an indicator as profitability. Many potential investors pay attention to it. After all, it is not enough for some that the pension savings will be safe and sound. I would like to increase them a little more. And the more the better.
National NPF has a good yield, according to statistics. It is about 13.21% per year. But clients say otherwise. Some contributors note that NPF National is not suitableto increase your pension. The real yield here is about 5-8%. Therefore, it is clearly not worth counting on a significant increase in savings.
Due to such discrepancies, the National APF receives mixed reviews from clients. Some say that they are satisfied with the increase in their future pension, while others call the organization deceivers and scammers. In fact, discrepancies between the real situation and statistics are easily explained by inflation. We can only say with certainty that NPF "National" does not offer the highest yield. But the organization does not deceive its customers. Retirement savings are indeed on the rise. Though not as fast as we would like.
Reliability
Another important indicator is reliability. It is sometimes also called the level of trust or trust. The National Rating Agency gives a high rating to NPFs called "First National" in this area. Reliability is currently rated A++.
According to statistics, there is no higher level of trust. This means that the National APF will not be abruptly closed, its license will not be taken away, you can trust the corporation with pension savings and not be afraid for them.
But many are repelled by the fund's far from leadership position in the list of NPFs across the country. A reliable, stable organization with a good profitability, but for some reason it is far from the leading places. Why? What features of cooperation can be distinguished from the fund? What are visitors satisfied or dissatisfied with?
About Service
National NPF reviews are not the best for the quality of customer service. More precisely, it does not suit everyone. Quite often, clients say that employees are not attentive to their work. No professionalism. In the branches of the company there are constant queues, and sometimes there is confusion with documents. Sometimes there are even opinions about the illegal transfer of funds to the National APF from state pension funds. The organization refers to statements written personally by the contributor, but in fact the person did not sign any such papers. Such reviews are not rare. They meet quite often. Because of this, the credibility of the organization is falling.
However, do not forget that all these statements are not confirmed by anything. The "First National" NPF is far from the worst organization. Some opinions emphasize the attentiveness of employees and their polite attitude towards visitors. Yes, the speed of service leaves much to be desired, but such claims can be found even with ideal funds.
It is impossible to say with certainty how well the National APF serves clients. The organization copes with its work, fulfills all the promised functions. But no one is immune from rudeness and unprofessional staff. This must be remembered.
Results
What conclusions can be drawn from all of the above? The National APF is an unremarkable non-state pension fund. It offers standard serviceson insurance of pension savings and formation of their funded part.
Reviews the organization receives mixed. National NPFs are not scammers, but some negative aspects of service slip through cooperation. Sometimes payments are delayed here, someone does not like the conditions, someone complains about branch employees. All of these are standard complaints from NPF clients. It is possible to consider the National Fund for the formation of deposits, but only if there is no suitable proposal among the leaders of NPFs.
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