APF: which one to choose? Rating, reviews

The issue of transferring the cumulative part of future pension contributions to the best NPFs worries the citizens of Russia since 2014, when there were changes in the RF FIU. Since 2014, the pension in Russia has divided into two categories: accumulation and insurance contributions. And the working part of the country when retiring has the opportunity to change the "fate": to refuse from savings in favor of insurance or to invest them, becoming a client of a non-state company.

How is the pension formed in Russia?

Citizens who receive "white" wages (official employment with annual deductions to the tax authorities and the Pension Fund of the Russian Federation) are entitled to receive benefits from the state when they reach retirement age - material indefinite support. In 2014, the pension system in the country underwent a reorganization, and 22% of insurance premiums paid by the renter to the Russian Federation for each employee can be formed in the following ways:

• 16% pass to the insurance part for social needs, 6% are the accumulative contributions of the employee that he can receive (taking into account indexation, if he transferred to APF) at the same time when he retires or split them into monthly payments;
• Only the insurance part: 22% of the 22% possible (it means the refusal to form a cumulative share (0%) by voluntary consent of the citizen or uncertainty in the choice of NPF - "silence").

If, in the case of the first option, the future retiree has only to decide on the APF (which one to choose), then if he refuses the savings, he automatically transfers the state's retained contributions to the state (becomes a "silent" client who did not conclude an agreement with a non-state fund and did not take advantage of his opportunity to increase Amount of pension).

Who has the right to transfer the funded part of the pension

Transition to NPFs, while retaining 6% for investment according to the profitability of a non-state company, may not all citizens of the Russian Federation:

• Born before 1967 do not have the opportunity to change the size of the insurance part, private programs are available to them, concluded in the framework of co-financing of pensions, which can be accessed at the FIU of the Russian Federation or from private companies;
• The remaining age categories have the right to choose: to remain "silent" or take the future into their own hands, having studied the NPF yield rating and selecting a fund that inspires confidence.

All citizens of the permissible age category (which in 2016 turned to not more than 49 years old) by December 31, 2015 could use the right of transition. For those who, since January 1, 2014, transferred their contributions to the Pension Fund for the first time, the state extended the term of the selection until the end of 2018. And if their age at the time of the transition was less than 23 years, then the permission to transfer is maintained until the pension "majority".

How does the Pension Fund differ from non-state firms?

Doubting in APFs (which one to choose in order to get the maximum income and confidence in getting a pension), clients of insurance companies forget that, unlike non-state funds, the RF Pension Fund guarantees annual indexation of contributions taking into account inflation. Whichever financial situation is in the country, the insurance pension will be paid in full with the accrued interest.

The APF does not guarantee 100% that the income calculated when signing the OPS contract will remain the same amount during the indexing period. The coefficients of profitability depend on the number of customers, the size of the financial portfolio, the total amount of pension payments to fund participants and external economic factors: inflation rate, competition in the market, pension reforms (since 2015, the Central Bank of the NPF takes special control). A private company in the case of stable development provides a chance to increase the accumulation several times or get a "bare" amount of withheld contributions (with a negative return).

NPF-2016 rating on the basis of profitability

The higher the profitability of a non-state fund, the more attractive it looks in the eyes of the client. The best APFs (top-5), guaranteeing the highest percentage of investment for the analyzed period (when taking into account the average annual indicators):

1. JSC "OPF named after Livanov" (12.9%).
2. "European PF" (12.4%).
3. "Ural Financial House" (11.4%).
4. "Education and Science" (11.1%).
5. "Education" (11%).

The NPF's yield rating on the basis of savings is different:

1. ZAO Promagrofond (17.3%).
2. "Consent" (12.7%)
3. "Magnet" (12.2%).
4. "European PF" (10.9%).
5. "Sberfond" (10.2%).

The profitability ratings allow you to determine the choice of APF, the cumulative coefficient of which will correspond to the expectations of the policyholder.

Which NPF is the most reliable?

When choosing a private pension company, the reliability of the APF, determined through the voluntary participation of the firm in the rankings of independent agencies, plays an important role.

The most influential analytical agencies in the sphere of pension provision are "Expert RA" and "National RA".

The list of APFs that have been assigned an exceptionally high (A ++) level of reliability from "Expert RA":

• "Diamond autumn".
• "Atomgarant".
• "Welfare".
• "Welfare of Emensi".
• "Big".
• "Vladimir".
• "VTB PF".
• "Gazfond".
• "European PF".
• "Kit Finance".
• "National".
• "Neftegarant".
• "Gazfond pension savings."
• Promagrofond.
• "SAFMAR".
• "CSG".
• "Sberbank".
• JSC Surgutneftegaz.

The rating agency "National" published its list of APFs that are financially fortified (AAA) and are responsible for their obligations to depositors.

It included 9 companies, 6 of which are recognized by the two agencies as the most reliable:

• "Welfare".
• "European PF".
• "Kit Finance".
• "Neftegarant".
• "CSG".
• "Sberbank".

In addition to the companies listed in the rating from Expert Ra, Telecom-Soyuz, the non-state fund Electric Power and Lukoil-Garant are also among the nine most stable organizations investing in pension savings.

Rating of the most "client-centered" non-state funds following the results of 2015

The opinions of future pensioners who have signed an agreement with the NSO with a non-state company put pressure on the potential clients of the fund. Negative feedback on the network, left by APF clients, makes investors think about leaving an unattractive fund that received complaints from participants in the insurance contract.

Companies that are focused on compliance with the terms of TSOs and NGOs deserve the trust of depositors and enjoy the status of "client-centered".

"Voice" of clients - Top 5 non-public funds 2015:

1. "European PF" (3.8 out of 5).
2. "The Future" (3.2 out of 5).
3. "Welfare" (2.9 out of 5).
4. "Kit Finance" (2.6 out of 5).
5. Promagrofond.

From subsidiary banking companies, the non-state fund of Sberbank became the leader in customer service quality in 2015, which accounts for more than 14% of the market and 243.3 billion rubles of pension savings (1 st place).

Additional information that deserves attention when choosing a non-government pension fund

If, after analyzing all the ratings, the answer to the question "What is better than NPF? Which one to choose?", Yet, it is worth looking at the secondary factors influencing the opinion about the organization.

Firstly, the age of a private firm. Although newcomers in 88% of cases offer more attractive conditions (profitability of 10% and the possibility of leaving the agent at home), experience in the insurance business plays a role. Among the funds leading in the lists of reliability and profitability, "newcomers" who work less than 3 years, no. This is not hazing, but healthy competition and a policy of "retention" (keeping the client flow at the level of the previous period with a high index of satisfaction), rather than attracting new people at any cost (deception, understatement).

Secondly, the convenience of online services. The "personal cabinet" of the contract participant must have a practical interface (large icons, a Russian-language menu that is understandable to the novice user) and to open the maximum access to information (contract details, history of operations with NPOs). A comfortable remote service consists in the fact that the client does not need to visit the office.

Thirdly, the number of customers. When 500 thousand citizens or more wished to use the services of a private person, this speaks not only about the successful work of insurance agents, but also about trust in the fund.

The choice is made: how to transfer pension savings to APF?

If the issue of NPF activities (which one to choose for transferring LF pension) has already been resolved, then workers have another problem: how to transfer a pension to a non-state fund?

In order to conclude an agreement with the NSO with APF, it is necessary to apply to the office of a non-governmental organization at the place of registration. From documents with you you need only a passport and SNILS. After drawing up the documentation, a copy of the contract confirming the desire to transfer pension savings from the Pension Fund of the Russian Federation to the Pension Fund is issued to the client.

But for the final transfer of the NPP to another fund, confirmation is necessary in the Pension Fund of the Russian Federation. This can be done in several ways:

1. On a personal visit to the PF of Russia, completing the application form with the consent for the transfer.
2. Confirming by phone, indicated in the agreement of the TSO (or with "feedback" from the specialist of the APF contact center).
3. By sending consent via email or in the form of an SMS message.

In 2016, 25% of non-state funds (for example, APF "Sberbank") offer to confirm the agreement on the transfer of the NCHP "without leaving the office": when the OPS is issued to the client, within 2-5 minutes an SMS message comes with a code to be communicated to the manager. The employee enters the code into the program - and the application is automatically sent to the FIU. Repeated confirmation and personal visit to the Pension Fund of Russia is not required.

Nuances of transition to APF

Transfer of pension savings can be made to any fund that offers services for concluding contracts between the NSO and NGOs. The transition process takes 1 year: after the signing of the contract, savings are transferred to the APF after one year from the completion of the documents. All insurance deductions withheld by the employer and interest accrued by the previous company are transferred (provided that 5 years have passed since the date of the previous contract). If the client terminates the contract ahead of schedule (less than 5 years), he loses dividends, receiving only insurance contributions from the employer (their amount can not be reduced, since they are paid mandatory by all officially working citizens by deduction of amounts from wages).

Transfer of savings between non-government funds and the RF PF can be no more than once a year.

NPF license - what is it?

Since 2015, the Central Bank has begun to "clean" non-state funds, the number of which has increased every year for dozens of companies. Organizations that do not fulfill obligations to depositors (whose pension savings did not allow payments to all customers) and violate the reporting deadlines, were deprived of the right (unlimited NPF license) to engage in insurance activities in the financial market of the Russian Federation.

At the end of the year, 89 funds received a license, the list of which is on the official website of the Central Bank of Russia.

The NPF was deprived of the license: what should customers do?

If the license is revoked, the client is given the opportunity to transfer his savings to another private company. If you refuse to choose another APF, the pension savings will go to the Pension Fund of Russia by default, with the remaining 6% of the NPP.

Under Law No. 422-FZ, which regulates the rights of insured persons when concluding an NSO in the Russian Federation, according to the results of 2015, 32 NPFs entered the system of guaranteeing NPP. This means that pension accumulations of citizens, indexed by the FIU or APF (protected by the "Deposit Insurance Agency"), are guaranteed by the state.

The moratorium on NPP 2014-2016: when to wait for indexation?

In 2016, the Government confirmed the extension of the moratorium on the investment of NPP. The reason is a crisis, forcing the state to save on the savings of citizens.

The ban on the formation of the required 6% for investment, according to financial analysts, will be extended to 2017 - until the market and the economy of Russia stabilize.