some time every Russian citizen has the right to manage their retirement savings, namely to leave part of the pension, called funded, the state pension fund, or to entrust your hard earned money to a private company.Typically, the yield is higher in non-state funds.But the majority of citizens are in no hurry to trust the accumulation of these companies.
Why do you need to know
Firstly, in the minds of many Russians, the state - means stable.And appearing in a lot of private firms do not inspire confidence.Secondly, in the legislative sphere it takes so many changes that follow them sometimes very difficult, so future retirees decide to leave everything as is.Third, by force of habit to postpone all on then, or hope for a "maybe", people just do not deal with these issues.For the young working population is characterized by the view that "before retirement still need to live."Although time passes quickly, and the time of the pension - not far off.
Popularity pension funds
When deciding to dispose of their own savings, and entrust them to a private company to start to study the rating of return of private pension funds.Today, such information can be found in many publications.Here is the ranking of pension funds for the 2013 version of one of them.Companies participating in the comparison were evaluated in terms of return on investment.The first place is occupied by NPF "Transneft" to the percentage figure of 16.9%.Silver goes to the company with the sonorous name of "well-being".Closes the top three fund of electric power to the level of return on investment of 10.9%.Fourth place at the NPF "LUKoil-Garant", the fifth - NPF "Savings Bank" with a yield of 9.26%.The rating agency "Expert RA", engaged in the research performance of companies in sixth place pays "Norilsk Nickel" with a numeric indicator of 9.3% per year.The list is non-state pension funds in Russia "Surgutneftegaz", "Telecom-Soyuz", "Gazfond", and VTB "Pension Fund".
Other evaluation indicators of the companies
Previous ranking of pension funds is based on the assessment of the level of return on investments, ie effective management of pension savings.But there are other criteria for the analysis of the company.For example, the security rating of pension funds.This indicator has three varieties: the highest level of reliability, very high and high.The highest score in the reliability rating of 2013, according to the National Rating Agency received funds: "Welfare", "KIT Finance", "Sberbank", NPF electric power.These are companies that, even in a changing and unstable conditions of the economy are keeping their commitments.The average gap in "safe" ranking took "Neftegarant", "Stalfond", "Sberfond RESO", "Trust", "Uralsib".Rating pension funds is completed, according to the National Agency, funds with a high level of reliability - "Ringing of church bells" and "Vneshpromgarant."
Additional selection criteria NPF
However, not only the rating of pension funds is a determining factor in choosing a company.We need to know how long there is firm.Generally, the older it is, the more credible.Pension funds before the start of its activities in compulsory license is obtained.These licenses are issued for a fixed term, but there are perpetual.Moreover, in assessing the performance of private funds are taken into account indicators such as retirement savings, pension reserves, which constitute the property of the company.The criteria for the work of an SPC - the number of clients participating in the system of compulsory insurance, as well as those who entrust their retirement savings the company.The higher these or other indicators, the more reason to trust the selected fund.When comparing the performance of companies it is desirable to follow the data for several years, not one year.
Guarantees
Activities of business assets is regulated by the Russian legislation.In addition, in 2012, after the adoption of the relevant legal acts, the number of private pension funds has fallen by half, and was little more than a hundred.It remains basically the biggest companies.State control over such firms tougher every year.So the Russians can not be afraid for their money.Keep in mind that the location of the pension savings can be changed once a year.To do this you need to write an application to the management of pension funds.Between future retirees and the company is a contract, which is also a guarantee of reliability relationship.The main thing - is to actively participate in shaping their future pension today.Earn more experience, have to pay the required contributions to the pension fund and profitable to place the funded part of pension income funds.
