Which pension fund to choose: reviews, rating. Which non-government pension fund is better to choose?

The pension system in the Russian Federation is built in such a way that citizens independently decide where to direct savings: on the formation of an insurance or funded part of payments. The possibility of choice was for all people until 2016. For the past two years, the opportunity to distribute savings has been suspended. All Russians deduct from the salary (22%) form the insurance part of the pension. Therefore, the actual question remains, which pension fund to choose for these tasks: public or private?

How is the pension formed?

Before deciding which pension fund to choose, we will study in detail the structure of the pension. This social benefit consists of the basic, funded and insurance parts. The first is fixed in a fixed amount and clearly spelled out in the law. The insurance and funded parts depend on the results of human activity. The employer monthly deducts 22% of contributions for each employee, of which 16% are spent on forming the insurance part, and 6% are funded.

The greater part is spent on payments to current pensioners and is taken into account in the form of state obligations to a specific citizen. The accumulative part is postponed on the individual account of the insured person. It is these savings that can be wisely disposed of. That savings are not depreciated by the time a person retires, they should be invested. Every citizen decides who to trust this process: public or private PF.

How to receive a large payment? To do this, you need to participate in the formation of capital. In addition to the compulsory insurance program, you can also participate in the co-financing program, form an additional pension. To do this, you need to know what to choose a non-state pension fund. Reviews, ratings, working conditions, additional services - all these factors influence the choice of a particular organization.

Changes in savings

Since 2014, the funded part of the pension has been reduced to 2%. This greatly affected the amount of future payments. Those who wished to save their savings, as early as 2013, started looking for NPFs. There were many who wanted to regulate the amount of their pension savings. The insurance part of the payment, which is formed in the FIU, is indexed to the inflation rate, and the funded part to the yield level of the MC or APF. Therefore, the question of which non-governmental pension fund is better to choose is so topical.

APF

Non-state PF is a non-profit organization that is created for pension provision of Russians. Its activities are regulated by law. NPF and FIU can act as the insurer of the citizen in the part of the accumulative component. When a person reaches retirement age, the fund begins to pay pensions calculated on the basis of the amount of savings formed on a separate account. APF concludes contracts with each client.

Why should we even think about which non-state pension fund is better to choose if all the same functions are performed by the FIU? The APF is engaged in distributing only the funded part of the pension. Just as each person has to decide where to buy the OSAGO or OMC policy, Russians are free to choose an organization that will deal with the distribution of their savings.

Risks

The activities of each APF are governed by federal laws and independent companies. Control over the activities of the Federal Service for a specific financial market, and the placement of funds deals with the depository. Nevertheless, it is important to know which pension fund to choose. User feedback can be quite subjective. It is necessary to find additional information on a specific organization.

Ratings

Which pension fund is better to choose is one of the frequently asked questions. To answer it, you should familiarize yourself with the rating of APF from the agency "Expert RA". It provides an objective assessment of the majority of organizations operating in the Russian Federation based on the indicators of profitability and reliability.

Expert evaluation of the fund's activities is a paid service. Therefore, if the organization is not present in the presented rating, this does not mean that it no longer operates in the domestic market. Nevertheless, there are doubts as to why the fund is not ready to disclose information about its level of profitability. Therefore, it is not desirable to work with such organizations. However, even large funds may face financial problems. If the selected APF is liquidated, all accumulated funds will be transferred to the FIU within a three-month period.

A rating is a comparative scale of the profitability of an organization. It takes into account all the performance indicators of the fund on the market. According to the assigned assessments, every citizen can choose independently where to invest. Accordingly, each person makes a decision to transfer funds independently.

Selection Process

Sooner or later, every person will face an organization such as a pension fund - which one to choose? The rating is assigned to each agency's experts, analyzing quarterly and annually about 25 performance indicators. Based on the received evaluation, NPFs are divided into such reliability classes:

• "A ++" is an exceptionally high level.
• "A +" is a very high level.
• "A" is a high level.
• "B ++" is an acceptable level.
• "B +" - a sufficient level.
• "B" is a satisfactory level.

There are also the lowest grades "C", "D" and "E". Which pension fund should I choose? The feedback does not give an objective assessment of the organization's performance, so it's better to focus on NPFs with a rating not lower than "A".

How to transfer to another fund?

If the final decision on which pension fund to choose (public or private) has already been taken, then it is necessary to study in detail the question of documenting the operation. In order to transfer savings, it is necessary to conclude an agreement on compulsory insurance with the chosen organization and submit an application to the FIU. Each citizen can change the decision regarding the insurer not more often than once a year. If the question of changing the pension fund was raised for the first time in a few years, then first you need to find out exactly where the accumulation of a citizen is. This information can be obtained from the local FIU office.

How do I find out the balance on my account?

Annually until September 1, each APF must send information to the insured person on the status of his pension account, on the results of investment of savings. Similar reports are sent by the state pension fund on the part of pension savings. If the notification is not received by mail, it can be obtained free of charge in any territorial department of the Russian Federation in the form of an extract from the personal account. To do this, you need to provide an application, an insurance certificate and a passport.

How to control savings?

We must seriously approach the question of which pension fund to choose. Customer feedback on the activities of the organization may vary significantly. Therefore, in addition to the rating, you also need to analyze the services that a particular FIU provides.

As it was said earlier, each fund should send information on pension savings to all insured persons annually. Some APFs organize on their website clients access to the "Personal Cabinet". Here you can find out the balance of funds on the account and information about all the transactions performed.

How are savings paid?

According to the law, several payment options are allowed. A pension can be paid for life, in the form of an urgent or one-time payment. In the second case, it is about the funds that have been accumulated under the co-financing program or from the parent capital. A lump sum payment is required if the pension is 5% or less in relation to the total amount of the labor pension. All payments made by APF and FIU are exempt from taxation.

Inheritance

The means of pension savings are transferred to successors in such cases:

1. If the citizen who formed the savings has died before the appointment of a labor pension, the accumulated funds will be transferred in full. The legal successors are the citizens indicated in the application, or legal successors under the law. In the first case, you can specify any person. face. In the second case we are talking about the relatives of the 1st (parents, spouses and children) and the second (brothers, sisters, grandchildren) queue.
2. If a person has died after he was assigned a working pension, the funded part was received indefinitely (i.e., the funds under the co-financing program did not allocate a separate payment), then the assignees will not receive any money.
3. If the citizen has died after the appointment of an urgent payment, the heirs have the right to receive the balance of the SPV.

In all these cases, payments are not taxed.

Procedure

Before the expiry of 6 months from the date of death of a person, one must apply for payment of the balance of savings to any territorial branch of the FIU. The decision is made within 7 months after the death of a person, and the payment itself is made before the 15th day of the next month. You can receive funds at the branch office or by transferring them to a bank account.

Which pension fund to choose?

The pension savings of the "silent" who left all their savings in the FIU, and in fact the funds are managed by Vnesheconombank, depreciated under the influence of inflation. The total profitability of the bank for 2010-2014. Is 44.25%, while the inflation rate reached 58.65%. The NPF has an average return on average.

Which pension fund to choose? First of all, you need to get acquainted with the list of institutions that have fallen into the system of guaranteeing deposits. As of 2016, it had 32 NPFs. Zero yield means that during the specified period, investments have caused a loss. If NPF operates on the principle of recoverability, then it compensates for losses from its own reserves.

According to Rusreiting, the "European pension fund" turned out to be the most profitable for the last 5 years, it was able to show a 102% yield. The Fund directs its funds to bonds of large Russian companies, for example, JSC "First Freight Company", "Magnit", and leasing company "Europlan". Its reliability is confirmed by numerous customer references.