2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today, more and more people are investing in non-state pension funds (NPFs). This allows you to form a decent pension in old age. In addition, each company offers its own conditions. The rating of non-state pension funds will allow you to make the right choice. It will be discussed in the article.
NPF is a form of non-profit organizations working in the field of social security (except for old-age pensions). This activity is regulated by law, so any violations lead to liability.
Features of NPF operation
These organizations are almost indistinguishable from state PFs. Institutions usually performs:
- Paying pensions.
- Accounting for money.
- Investing in equity and stocks, bonds.
- Capital accumulation.
Commercial organizations may be included in one of the following groups:
- Open or universal do not apply to the financial and industrial sphere. Contributors' funds are assets.
- Territorial supported by local authorities, work only in a specific region.
- Corporate operate on the basis of the programs of the founders.
- The Captives work with founder programs.
Below is the reliability rating of non-state pension funds. It is formed by savings, the number of customers. Reviews of these companies are almost exclusively positive.
Lukoil-Garant
Opens the rating of non-state pension funds "Lukoil-Garant". The company was founded in 1994. Among the first for several reasons:
- Occupies 14% of the market, serves up to 3 million 300 thousand people.
- Savings are about 149,289,065,000 rubles.
- No complaints about financial fraud for a long period of work.
- There are many awards.
On the official resource there is a calculator, thanks to which it will be possible to estimate savings. Reviews testify to the reliable work of the company.
JSC NPF Surgutneftegaz
This company continues the rating of non-state pension funds, as it is known for its stability and reliability. The fund has a high average annual return of 11.5-12%.
Clients have access to the calculation of the structure of the placement of savings, investment tools that increase income. Reserves exceed amountssavings more than 3 times. Income is greater than the rate of inflation.
NPF "European"
The company is on the 3rd place in the rating of non-state pension funds. Her average annual income is about 14%. Customers enjoy several benefits:
- Long and successful work.
- Individual program.
- Personal approach using European service standards.
The company is under the control of the Central Bank of Russia, which is also important.
JSC NPF "Sberbank"
The company is on the 4th place in the rating of non-state pension funds. Reviews confirm the high quality of service and reliability of services. Over 1 million customers are satisfied with this NPF.
The institution strictly monitors the placement of savings, providing depositors with the necessary information. There are many programs for retirement savings and for improving business efficiency.
NPF "Promagrofond"
Company finishes rating of non-state pension funds. Customer reviews testify to the reliability of the organization. The fund is in demand among licensed companies. This NPF has over 2 million clients. Savings are about 72,281,723 rubles. The company has branches all over the country, which is also important.
Fund information is updated annually. Their work is analyzed by various agencies. It is important to focus on the amount of finance, profitability, stability, reliability, customer reviews. Whereinneed to analyze information for several years. If the company is reliable, it always attracts new customers. It is desirable to choose the optimal ratio of profitability, reliability and stability. Then cooperation with the company will be effective.
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