Due to changes in the pension system for the post-Soviet period of time its members have become active non-state pension funds.What is their work and whether you can trust them - these are natural questions of Russian citizens.After all, the responsibility for their standard of living in the period of well-deserved rest in the future, partly took over the private pension funds, which are reviews of a variety.
What is it - NPF?
Pension Fund (NPF) - a non-profit organization that accumulates pension savings of the population and ensure their investment, allocation and payment of funded pension fund members.The fund gives citizens the opportunity to participate in the private pension system, which allows you to advance to create a decent old age.
Causes and development
emergence of such organizations demanded that the pension reform carried out with the aim of overcoming the crisis of the old system and to improve the living standards of pensioners.Citizens are given the opportunity to receive a pension from a variety of sources (public and private savings component, which had to do private pension funds).Reviews and public debate for 20 years, shape public opinion on this matter.
In the early 1990s, SPC created a very active, but control their activities was insufficient.Only since 1995 it has become accepted legal documents, according to which it was possible to regulate and control their work.In the year before the inspection is created private pension funds at the Ministry of Social Protection of the Russian Federation, which is mandated to manage and monitor their activities.They began to carry out its functions in accordance with the legal provisions (to get a license, strictly adhere to the standards developed by the Inspectorate to provide reports).But legal chaos in its infancy still caused damage to the new pension system.We lost this people, and non-state pension funds.Reviews about the level of reliability of the latter were negative, so the percentage of public confidence is still low.
About Funds
Due to the tightening of the requirements for the activities of these organizations by the State their number has decreased, but the market there remained too much - about one hundred and twenty-five.It is no wonder that citizens hard to choose whom to entrust their savings.This may help ratings, which on several key indicators characterize the non-state pension funds.Reviews of ordinary citizens and experts will also provide some clarity and help you make a decision.Here are some examples.
One of the first in Russia was the pension fund "Promagrofond."Reviews of course, different.In the market it in 1994, since 2004 has a perpetual license to work."Expert RA" on the results of 2012 awarded "Promagrofond" rating "A +" (very high level).In such an assessment has influenced a solid amount of the fund's assets.This ensures that in case of failure to pay depositors of the reserve fund is quite possible to satisfy customers by making payments from the property.More than a hundred cities in Russia have offices "Promagrofond."Also, more than 15 years (since 1997) on the pension services market operates pension fund "Trust".Reviews of its activities are based on the opinions and estimates of experts contributors.By results of 2011 the Fund entered the top five in terms of return on pension contributions and was rated "A" assessment "National Rating Agency", and in 2013, ranking rose to the level of "AA"."Trust" operates in more than 40 cities of Russia.
