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

In Russia there are several dozen non-state pension funds. Their main function is to assist the state in paying the appropriate type of compensation to citizens. Among the most famous brands of the Russian pension insurance market is NPF Doverie. This organization has been successfully operating on the market for over 17 years. What is the specificity of the activities of the Trust? What do APF clients write in feedback on the fact of interaction with the fund? What are the APF's positions in the ratings of famous agencies?

Information about the fund

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, NMHK, Granit, Nizhpharm, and ZAO Nizhegorodpromstroibank. NPF cooperates not only with physical, but also with legal entities.

In 2004, the organization received a license to conduct activities in the field of pension insurance and non-government provision. In 2010 NPF "Doverie" signed an agreement with OJSC "BINBANK". Subsequently, the management company of the fund was the organization BIN FINAM Group. Another MC, affiliated with the fund, is OOO Basis-Invest LLC. Now NPF - in the top 10 Russian organizations of the appropriate profile. The fund is considered one of the most highly profitable. By the size of its own property, the fund is in the top 30 Russian organizations.

Geography of activity

Where is the head office of NPF "Doverie"? Address of the organization's management structure: Moscow, Bolshoy Savvinsky pereulok, 12, building 9. The value of the authorized capital of the organization is 150 million rubles. The current geography of NPF Doverie is Moscow and more than 20 Russian regions. The fund is estimated by experts as one of the most dynamically growing in the aspect 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 the NCO to the JSC. A new structure was created - ZAO NPF Doverie. In 2015, the fund was included in the state register of organizations that became participants in the system of insurance of clients' rights. Now ZAO NPF Doverie is the official name of the organization.

Results of work and ratings

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

NPF carries out two main activities: work in the field of non-state provision, as well as interaction with citizens within the framework of compulsory pension insurance programs. Both directions of the organization's work are evaluated by experts as successful. For example, in the first quarter of 2013, more than 339 thousand people in the aspect of interaction on mandatory pension insurance programs provided trust to the fund. APF, whose feedbacks were actively disseminated online, was characterized by customers as a structure in which qualified and responsive specialists work. In the 1st quarter of 2013, the accumulation in the fund amounted to 7.8 billion rubles, which is about 20 times more than the figure for the same period in 2012.

Rating of the National Rating Agency

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

Assessment by RA "Expert"

Another organization, the Expert RA agency, considered that the fund should be classified as an organization rated A +. In accordance with the classification of this agency, this means that the APF is also characterized as reliable. At the same time, analysts of Expert RA fixed the status of "stable" for the forecast. This means that ZAO NPF Doverie (reviews of many specialists correlate with this point of view) will most likely retain its current rating in the future. Let us consider the nature of the corresponding ratings in more detail.

Factors of high positions

What is the reason for the fact that such a high position was taken by the Trust "Trust"? APF (reviews of many market analysts confirm this), above 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. Dynamic distribution of NPF units in the regions of Russia plays a significant role, as well as a high qualification of the staff of the fund. In the opinion of analysts, people who are considered to be one of the most competent in the sphere of non-state pension insurance work in the structure of the highest governing bodies of the fund.

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

Concerning the opinion of the "Expert RA" agency, a positive factor in assessing the rating of the fund was also the high level of profitability of savings accrued to personal accounts of citizens who concluded an insurance contract with the NPF. For example, in the period from 2009 to 2012, the corresponding figure was 29%, while inflation did not exceed 23% for the same period.

The high reliability rating of ZAO NPF Doverie, analysts believe, can also be linked to the impressive dynamics of growth in savings, as well as the fact that the fund is among the leaders of the Russian market by such criteria as the number of agreements signed in the OPS segment.

Other positive indicators that influenced the Expert RA assessment are the optimal ratio of the insurance reserve and such indicator as RPPO. Analysts noted that in the third quarter of 2013, it was 6.4%, while the median value for the market was fixed at 6%.

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

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

Deterrent Criteria

One of the deterrent criteria in assessing the sustainability of the fund by experts from Expert RA was the fact that the APF is characterized by a high proportion of accumulations in the total amount of pension funds - about 97%, and also by a rather low IMDU sufficiency index - at the end of Q3 2013 it was 0 , 2% in relation to savings, and 2% in terms of NPF expenses. Analysts of "Expert RA" found it difficult to assess the prospects, as well as the quality of services, characterizing the management company BIN FINAM Group. This organization is not assessed in terms of reliability ratings formed by Expert RA experts and other well-known structures that would meet the criteria for classifying the company as "A" level and steps higher than it.

Strategy for further development

The data published in various sources indicate that the fund will focus on the development of further increase in the client base, as well as on the creation of pension programs in the corporate communications segment.

Also, the prospective business model of the fund assumes further improvement of the quality of interaction with clients and increase of efficiency of functioning of various structures of the organization as a whole.

Termination of contract with APF

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

Acceptable terms of cancellation of the contract

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

In this case, the payment procedure established by NPF "Trust" may differ from the standards adopted in other organizations of a similar profile. But, as a rule, the payment of amounts is made when the accumulated funds are used in the formula, as well as the added amounts of income. The payments that have already been made are deducted.

It does not matter when a person decided to terminate relations with the Trust - at the stage when there is an accumulation of funds, or in the process of making payments. The entire amount that is payable to the client must be transferred within the established procedures.

Tax liabilities

The citizen's right to receive income from the APF, with which the contract is terminated, is also accompanied by an obligation to pay personal income tax on the relevant type of revenue. True, if a person chooses the option by which the funds are transferred to another APF from the "Trust", then there is no need to pay the tax. Another nuance: financial costs associated with the transfer of funds from one organization to another, are assigned to the client NPF.

The rules we considered are common to all non-state funds, including NPF Doverie. How to terminate the contract, we have studied. Now we examine the spectrum of opinions of experts, as well as clients of the "Trust". What is the degree of mood of the depositors of this non-state pension fund?

Feedback on the Trust

Many of the market experts are of the opinion that the fund was lucky with the name, which includes the word "trust". APF (reviews of many of its investors confirm this) managed to impress citizens with a high level of competence of employees. Citizens respond to the experts of the organization as qualified, experienced experts, ready to explain to the client any nuances of pension programs.

For opinions on the APF being considered, it is characteristic that the degree of evaluation of the activities of organizations does not depend on the region. If the city where the clients who left feedback on NPF Doverie is Moscow, then the opinions are as constructive as in the case when they are formed by investors, for example, from Orenburg. This suggests that in all regions the NPF operates within the framework of a unified model of interaction with clients, which, apparently, is characterized in due measure by a personalized approach and high quality of service of the citizens who applied. If the city in which the branch of the NPF "Doverie" - Samara operates, the responses, probably, from local citizens will be similar to those left by Muscovites.

The factor of profitableness

What exactly do fund investors like, not counting service? If you analyze the opinions on the factors that predetermined the trust - APF (reviews of many analysts correlate with this) attracts customers with reliability. That is, the fund does not promise investors incredible profitability figures, but makes it clear that the indicators that are achieved within the current investment strategy, have arisen not by chance. Therefore, as evidenced by the responses addressed to APF "Trust", customers are attracted by transparency in the relationship of the organization with investors. APF specialists who interact with citizens, explain in detail the advantages of concluding a contract with the fund, emphasizing the balance of the investment model of the organization.

There is also a sound degree of doubt about the activities of the foundation among citizens. They are connected mainly with precedents reflecting the visits of representatives of APF apartments to potential customers and obsessive offers to conclude a contract. However, there is no reliable public information that such an NPF practice is systemic in nature, as well as facts that unequivocally confirm that visits are made precisely by employees of the "Trust". The agent can be an intermediary offering to conclude contracts with different APFs.

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