in Russia since 2002, the citizens born in 1967 and later, the pension is formed of two components: insurance and accumulative.The first part (insurance) gives the right to a pension upon reaching retirement age, the money is withheld from the income goes to pay current retirees.It is the prerogative of the Pension Fund (PF).In the second - the accumulated money belongs exclusively to the person who donates them.Here you can create capital as through the state pension fund, and through non-state (SPF), which is necessary to conclude the corresponding contract.
whom to entrust their future
Here is just wide field of activity (after many NPF) and a big responsibility (this is your future pension).Experts can help, and it would be good to ask, for example, SPF ratings, the history of a particular fund in the market, read the reviews of citizens.
pension fund "European"
pension fund "European" was founded in 1994.He has experience and offers European service.According to Russian news agency "Expert RA", his rating of "A +", which means "very high level of reliability."It is part of the National Association of private pension funds and is a member of the American Chamber of Commerce.A large range of services.This management of pension savings and pension plans (individual and corporate), life insurance and investment products.Pension fund "European" has opened offices in more than 50 cities of Russia.
Ratings
by themselves even very important figures say little common man.But in the ranking - it is something.Analysis of the activities carried out regularly NPF.Highlight of all indicators that to you is a guarantee of reliability.For example, a pension fund "European" in the ranking (ranking) for some indicators on 01.07.2013 (except profitability - are the data on 31.12.2012):
| Indicators | Rank | NumberParticipants rated |
| yield from the investment of savings | 2 | 84 |
| on the number of insured persons | 20 | 95 |
| in terms of pension savings | 18 | 95 |
| onthe number of participants | 56 | 126 |
| the number of people who are already receiving a pension | 79 | 120 |
also important indicators of growth within a specific fund for several years.Pension fund "European" in the last 2 years has increased the pension and insurance reserves, reserves cover liabilities, the income from the investment of pension reserves.
Reviews
Opinions of people participating funds, to some extent may also help decide.Although we must understand that it is a subjective assessment of a person, and it depends on the level of his knowledge, attitude to himself or others, and even, say, from the weather.No exception - "The European pension fund."Reviews have both positive and negative.This is quite normal.The main thing is that today people have an alternative.
They have the right to decide where to accumulate funds.Competition encourages market participants to improve and to be attentive to their customers.
