Rating of the best private pension funds for 2024

For many working people, the abbreviation NPF does not mean anything at all. However, it is they who should think about what they will live on when they reach retirement age. The system of calculating pensions that took shape in Soviet times does not work today, and this is due, first of all, to the ratio of the number of pensioners and workers.

According to statistics, in the 1970s, there were about 2.5 workers per one pensioner, thanks to which he could receive a decent pension, which allowed him to live and buy everything he needed.

In modern realities, due to an increase in the number of elderly people and a decrease in the number of children born, this ratio has changed for the worse - there are about 1.12 workers per pensioner. In connection with the current trend, this ratio will decrease, which is why the burden of providing for pensioners is falling on working people, and the latter begin to suffer from lack of funds.

In order to solve this problem, the state carried out a pension reform. Its essence lies in the fact that now a person's earnings are divided into two parts - distributive and funded. The first of them is proportionally divided among the existing pensioners, and the second remains in the possession of the employee, and will be paid to him upon reaching the required age. In order to avoid inflationary losses, these funds must be in circulation.

In order to ensure the safety of the funded part, special non-state pension funds (NPF) were created, which manage it. This part of the money is not spent, but is saved through investment. The system is organized in such a way that a person can independently choose whom to entrust the cumulative part of deductions. The firm that manages this portion of the savings is called the compulsory pension insurance provider.

If a person does not take any action regarding the funded part, it is sent to the disposal of the Pension Fund of Russia. This organization makes an accumulative deposit in Vnesheconombank. The yield on such a deposit is about 7% per annum. The non-state pension fund provides a yield of about 10% per annum, which compares favorably with the state fund. It is also worth noting that a state institution can invest money only with the involvement of one firm, while a non-state institution is not limited by any number of counterparties. The investor should know that it is impossible to make a fatal mistake when choosing such a company due to the peculiarities of its functioning, since they all obey the legislation in this area, and undergo annual checks at the Central Bank. Each such company without fail provides the depositor with a guarantee of the safety of funds.

In this article, we will find out why NPFs are needed, what they are, what to look for when choosing such a company, and we will also compile a rating of the best institutions that provide quality services for saving and increasing the savings of employees.

Selection criteria for NPF

1. Reliability. This is one of the most important parameters for assessing a pension fund. The pension system is organized in such a way as to protect cash deposits - the entire amount of savings is insured in full, thanks to which a person can be sure that in old age he will not be left without money. There are various annual ratings carried out by specialized analytical agencies. As a result of comparing the list of parameters, a certain category is assigned to each background. The highest rating of such an institution is AAA, it testifies to the best reliability among all competitors.
2. Work period. The longer the period of activity of the organization in the field of pension provision, the more experience it has, it has a large base and is able to adapt to any market conditions.
3. Number of insured. This indicator tells how many people work with this organization. If the company has less than a million customers, it is not recommended to trust it with your funds.
4. Profitability. This indicator has a comprehensive assessment, and is compiled on the basis of several components. You need to understand that some rating agencies specifically select indicators in such a way as to bring the organization they need to the first place. This is due to the fact that the profitability parameter has several modifications - profitability over the last year, average profitability over 10 years, accumulated profitability, and they are all calculated in different ways, and some also depend on the period of activity.
5. Accompanying services. This parameter is not so important when choosing a company, but it affects the convenience of using its services. According to the recommendations of specialists, it is necessary to clarify whether the company has an official website, a personal account for each user, how quickly and efficiently the technical support works.
6. Office location. It is best to choose a company that has a branch in your hometown, since some issues can be resolved only with a personal visit to the organization.

An important nuance. You can change your pension fund no more than once a year. However, if 5 years have not passed during the period of working with the company, you will lose all interest on the investment. Many do not know this nuance, as a result of which they lose significant amounts of money that could work and receive income. In order to find out what is the period of your work with the insurer, you need to go to the website of the State Service in the section "Notice of the state of the personal account in the FIU". Having received the document, you will find out how much of your savings you have and with which organization you have a contractual relationship. Here you can find out the date of the agreement with the fund.

Rating of the best NPF for citizens of the Russian Federation in terms of reliability

It should be noted right away that there is no single and universally recognized rating for reliability and profitability. Most analytical agencies rely on ratings compiled by an independent credit agency called Expert RA, according to the Central Bank and other well-known sources. All accredited funds are subdivided into four types of categories according to the "reliability" parameter, each of which is assigned a letter designation. So, institutions that have been assigned the AAA category have the best reliability. In 2024, according to the Expert RA agency, 5 companies were assigned to this category: JSC Gazfond "Pension Savings", JSC VTB "Pension Savings", JSC "Gazfond", JSC "Sberbank", JSC "Evolution". Let's consider them in more detail.

Sberbank

Address: Moscow, st. Shabolovka, 31 G, 4th entrance, 3rd floor.

Phone: ☎ 8 800 555 00 41.

Working hours of the central office: Monday-Thursday from 09:00 to 18:00, Friday - from 09:00 to 16:45, Saturday, Sunday - closed.

Official website on the Internet: https://npfsberbanka.ru.

The foundation was founded in 1995 and has been operating for more than 25 years. The company has more than 10,000,000 depositors and has earned the trust of not only the population, but also rating agencies. According to the company's management, all investments are made only in highly profitable projects that have proven themselves not only reliable, but also profitable. The investment strategy is developed and approved by the general Board of Directors. The basic principles of investment: transparency, accountability, honesty.

All actions related to pension savings of the population are regularly published on the official website and are annually checked by supervisory authorities in accordance with Russian law. The shareholder can check this information once a quarter, the Board of Directors - once a month, the Investment Committee - once a week, the Management Company - every day. This fund cooperates only with those organizations that are included in the list of the largest in Russia. It has three main management companies - Region EsM JSC, Pension Savings Management Company LLC, Sistema Capital Management Company LLC.

After concluding the contract, each client gets access to the Personal Account, where he can control his savings. The organization has an ergonomic and understandable official website where you can carry out all the necessary actions regarding deposits, as well as get an online consultation with a specialist of the Fund. Here you can also order the online creation of an individual retirement plan, according to which the client can independently make profitable investments. The deposit account can be replenished independently through the form on the website using a bank card. Here you can also make a transfer from the FIU to Sberbank.

• according to clients, the fund has one of the most convenient interfaces for working with the public;
• there is compulsory pension insurance;
• there are special programs for working pensioners;
• corporate programs are offered for business;
• there are branches of the central office in the regions.

• not the highest yield.

NPF VTB "Pension Savings" JSC

Address: Moscow, st. Vorontsovskaya, 43, building 1.

Phone: ☎ 8 (495) 668-61-11.

Working hours of the central office: Monday-Thursday from 09:00 to 18:00, Friday - from 09:00 to 16:45, Saturday, Sunday - closed.

Official website on the Internet: https://vtbnpf.ru.

The company is also well known in Russia, the central office is located in Moscow, there are a large number of branches in the regions. The company has an official website where you can calculate the size of a non-state pension depending on gender, age, retirement period, number and amount of contributions. You can receive income from savings regardless of government deductions. This means that the depositor has the right to receive payments 5 years earlier than the official retirement age.

The company has a sole shareholder - VTB, and also assures that the accumulated funds cannot be included in the bankruptcy estate. There is an opportunity to replenish the account not only with money, but also with the help of bonus points (“Multi-bonus” program).

The process of creating savings in the fund consists of several stages: after the conclusion of an agreement with the depositor, a special account is opened to which you can deposit funds depending on the financial capabilities of a particular person; As a result of the fund's investment activities, each investor receives a certain income at the end of the year, according to which, upon reaching the retirement age, a person is assigned a pension (in addition to the state one).

The contract can be drawn up both in the office and online (which is especially convenient in a pandemic). Account replenishment is also possible online.Each client is provided with access to the Personal Account, where you can track the status of the account and movements on it. It is also possible to order a full cash flow statement on a monthly basis.

• conclusion of a contract and making payments can be carried out without a personal visit to the office;
• you can replenish your account not only with money, but also using bonus points;
• high reliability;
• convenient personal account;
• good ratio of reliability and profitability;
• it is possible to accrue a pension 5 years before the official term.

• not detected.

JSC NPF Gazfond "Pension Savings"

Address: Moscow, st. Sergei Makeev, 13.

Phone: ☎ 8 (495) 644-20-79.

Working hours of the central office: Wednesday-Friday - from 09:30 to 17:00, Saturday-Tuesday - closed.

Official website on the Internet: https://gazfond-pn.ru.

The company is included in the TOP 3 most reliable according to Expert RA. The organization has more than 50 of its own offices, where you can conclude an agreement or resolve any issue that arises regarding pension savings. The choice of the right direction of the institution's activities in the field of investment ensures the profitability of depositors' reserves at a level exceeding the inflation rate by 2 times, which suggests that this is a really profitable investment.

The organization declares the following principles that guide its work: Progressiveness (the ability to meet new trends in financial literacy, save and increase earned capital), ease (delivering all the necessary information to clients in a simple and understandable language), creativity (search and creation of new ideas, thanks to which the organization is able to reach a new level of development), humanity (understanding that each client is a separate person, and the desire to do everything possible to help him if necessary).

The organization has its own customer support team that operates around the clock. The Fund is a laureate of a large number of various awards and ratings, and occupies leading positions in them.

• high profitability;
• a large number of offices working with clients;
• large amount of assets;
• participates in social and non-commercial projects;
• 24/7 support service.

• according to the reviews of some customers, it is not always easy to deal with the user's personal account.

NPF Gazfond JSC

Address: Moscow, Simferopol boulevard, 13.

Telephone: ☎ 8 800 700 8383 (toll free within Russia).

Working hours: Monday-Friday - from 09:00 to 17:30, Saturday, Sunday - closed.

Official website on the Internet: https://gazfond.ru.

The review is continued by another representative of the gas industry - Gazfond. Its largest shareholders include such giants as PJSC Gazprom, JSC SOGAZ, CJSC Leader, and others. The Fund was founded back in 1994 and has been successfully operating to this day. To place reserves, the company engages only those enterprises that have proven themselves for a long time.

The procedure for working with an institution consists of several components: the choice of the amount and frequency of contributions, the determination by the client of the conditions for the payment of a non-state pension, the receipt of payments in the period determined by the client. Contributions can be transferred in several ways: through bank terminals, using ATMs, the payment collection functionality also allows you to deduct a certain share of wages automatically using the Internet.

Contribution of funds to the fund allows you to receive a tax deduction of 13% of contributions. The accumulated funds can be inherited. The agreement with the institution is drawn up in such a way that it can be terminated, while receiving not only the full amount of the deposited funds, but also the accumulated income for the entire period of cooperation. There is a personal account with a technical support function by a consultant.

• high degree of reliability;
• convenient personal account;
• there is a pension calculator;
• the ability to determine by the client not only the amount of payments, but also their frequency;
• the ability to terminate the contract, while maintaining not only the accumulated amount, but also the profitability for the entire period of the deposit.

• not the highest yield.

NPF Evolution JSC

Address: Moscow, Kosmodamianskaya embankment, 52, building 5.

Phone: ☎ 8 800 700-65-54 (call within Russia is free).

Working hours: Monday-Thursday - from 09:00 to 18:00, Friday - from 0:00 to 16:45, Saturday, Sunday - closed.

Official website on the Internet: https://www.evonpf.ru.

The representative in question was previously known as JSC "Neftegarant". Like other institutions, it is one of the largest in the industry. Since April 2024, organizations such as Soglasie JSC, Obrazovanie JSC, Social Development JSC have become part of the institution through reorganization.

On the official website of the company there is a pension calculator, a customer support section, a personal account, as well as information about changing the insurer for the GPT. The organization offers both individual retirement benefits and corporate and social insurance. Depending on the type of the concluded agreement, the client's relatives are given the opportunity to inherit during the accumulative period, or during the accumulative and during the period of pension payment. You can terminate the contract at any time, receiving not only the accumulated part, but also the investment income.

• the ability to terminate the contract at any stage of cooperation;
• there is a possibility of inheritance;
• there is a personal account and a pension calculator.

• despite the high rating, this is not the most popular fund, and therefore the company's current assets are not as large as those of the market giants;
• inconvenient site.

Rating of the best NPF for citizens of the Russian Federation by profitability

In order to understand the real profitability of non-state funds, we will draw up a rating based on the profitability of investment of pension savings minus remuneration to management companies, a specialized depository and a fund. According to these criteria, at the moment, the most profitable institutions include: JSC NPF Gefest (12.88%), JSC NPF Volga-Capital (11.37%), JSC NPF Surgutneftegas (13.10% ), JSC NPF "Otkrytie" (11.97%), JSC "NPF" Evolution "(11.66%). We considered the last representative in the previous rating according to the reliability criterion, so we will not repeat ourselves.

JSC NPF "Gefest"

Address: Moscow, Ozerkovskaya embankment, 28, building 1.

Phone: ☎ +7 (495) 730-05-97.

Working hours: Monday-Friday - from 09:30 to 17:30, Saturday, Sunday - closed.

The official website on the Internet: http://www.npfgefest.ru.

The fund was established in 1993 for workers in the mining and metallurgical industry. In 2015, the institution was transformed into a joint stock company. In addition to the head office in Moscow, the organization has 9 more branches in the regions. The main contributors to the fund are United Metallurgical Company JSC, Vyksa Metallurgical Plant JSC, Chusovsky Metallurgical Plant JSC, Trubodetal JSC, Blagoveshchensk Valve Plant PJSC.

The institution offers the following types of services: non-state pension provision, pension co-financing program, compulsory pension insurance. The first type allows you to conclude a security agreement not only for yourself, but also for any other close person. You can pay contributions by writing an application to the accounting department at the place of work, as well as through bank branches. The depositor independently determines the amount of contributions and their frequency.

Pension co-financing is possible only for those contributors who entered the state co-financing savings program before December 2014. The third type of service speaks about itself by its name.

Each client can use a personal account, where all the necessary information is reflected. There is a technical support service that will help you deal with all the nuances of working with it.

• high profitability;
• convenient site;
• long term of work speaks about a good indicator of the company's reliability.

• small amount of attracted capital.

NPF Volga-Capital JSC

Address: Republic of Tatarstan, Kazan, st. N. Ershova, 55E.

Phone: ☎ 8 800 555 35 50 (toll free within Russia).

Official site on the Internet: http://www.volga-capital.ru.

The organization has been on the market for over 10 years. According to the advice of experts, it is more profitable to keep your savings here, in comparison with budgetary organizations, since the percentage of profitability is on average 3-4 points higher. Each client of the fund annually receives an account statement indicating the residual part, as well as the received investment income. You can also control the growth of savings using the Personal Account on the company's website.

Supplementary pension payments begin from the moment the corresponding grounds arise. The amount will depend on which accrual scheme the client has chosen, as well as on the amount of contributions. According to the description on the organization's website, the client can terminate the contract with the NPF at any time, having received the redemption amount in his hands, or transferring it to another fund.

The company's website is simple, contains the minimum of necessary information. For new clients, it will be a problem even to find out the working hours of a particular office, not to mention how to resolve emerging technical issues. For a person who is savvy in this regard, it will not be difficult to deal with all the nuances.

• high profitability over the past year;
• there is non-state pension provision, compulsory insurance and co-financing.

• no office in Moscow and the Moscow region;
• inconvenient and uninformative site;
• small amount of attracted capital.

JSC NPF "Surgutneftegas"

Address: Surgut, st. Enthusiasts, 52/1, office 209.

Phone: ☎ 8-800-200-14-29 (call within Russia is free).

Working hours: Monday-Friday - from 08:30 to 17:00, lunch from 12:40 to 14:00, Saturday, Sunday - closed.

Official website on the Internet: https://npf-sng.ru.

The history of the foundation begins in 1995 - the date of the establishment and legal registration of the institution. The first payments of non-state pensions were made in 1999; since 2008, the organization has been providing compulsory insurance services.

An NGO (non-state pension provision) agreement can be concluded not only for yourself, but also for a loved one. All funds in the depositor's account are subject to inheritance not only during the accumulation period, but also during the payment period. The organization states that even in a situation of force majeure, when the investment may not generate income, 0.01% of income is necessarily credited to the depositor's account. The contract can be terminated at any time at the request of the client, while he will receive not only the amount of savings, but also the accrued profit from investment.

You can pay contributions in the following ways: by writing an application in the employer's accounting department - in this case, payments will be made automatically, through your Personal Account using a Visa or Maestro card, through any bank branch, through branded ATMs. Employees of PJSC "Surgutneftegas" can take part in the "Partnership" program, in which not only the employee, but also the employer ensures the accrual of an additional non-state pension.

• the highest real profitability among all the considered NPFs;
• favorable conditions for depositors;
• additional bonuses for employees of PJSC "Surgutneftegas".

• no head office in Moscow and the Moscow region.

JSC NPF "Otkrytie"

Address: Moscow, st. Gilyarovsky, 39, building 3.

Phone: ☎ 8 800 200-5-999 (call within Russia is free).

Working hours: reception is carried out by appointment.

Official website on the Internet: https://open-npf.ru.

You can conclude an agreement with a company online without visiting an office representative office, which is especially important during a pandemic. The same can be done with the changed phone numbers, address of residence / stay, etc.

The organization's website has an online calculator, which, depending on the small list of entered characteristics, will determine the final pension amount.All questions that arise can be resolved using the hotline, which operates on weekdays from 08:00 to 20:00 Moscow time. Unlike other similar organizations, on the official website of "Otkrytie" in the most prominent place there is a button "Contact quality service", where you can complain about any difficulties in working with NPF. Also, many clients mark the convenient section "General questions and answers", where you can find almost all the information of interest.

The fund has been operating in the investment market for over 25 years and has proven itself well. During this time, more than 7.1 million Russians have acted as clients. The volume of pension savings at the moment is 516 billion Russian rubles. More than 230,000 people are already receiving their accumulated pension.

• all necessary operations, including the conclusion of a security agreement, can be carried out online, without visiting the office;
• high profitability over the past year;
• convenient and understandable site;
• there is a hotline with a convenient working schedule;
• a long period of activity indicates the high reliability of the company.

• not detected.

Conclusion

Before choosing an NPF, we recommend that you figure out what it is and what advantages it has in comparison with government agencies.

It is important to find the right balance between the company's profitability and its reliability, because no one wants to lose all the accumulated funds, and the innate sense of greed does not allow to get less than it was possible.

It is not always possible to choose the terms of which company is better, because many companies openly declare their advantages, but are silent about the disadvantages. The main problem is that the client learns about unpleasant moments only at the stage of concluding a contract, when a consultant is nearby and convincingly tells that you will not find a better company.

We recommend that you approach the choice of NPF carefully and not make rash decisions, since the money you want to entrust them is earned by hard work. We hope that our article will help you make the right choice!