10 most reliable NPFs

Regional pension fund, mainly known in Tatarstan. Outside of it, he is also able to provide an excellent result, so you should not write him off. A number of experts determine the reliability of NPFs at a very high level. You can definitely trust the organization. Profitability, although not the most impressive, but stable. The main shareholders of the National Fund are Tatneft and Zenit Bank.

In addition to the individual pension plan, there are attractive corporate programs for both individuals and legal entities. The size of the fund's pension reserves is 15,738,450.00 thousand rubles, the number of insured people is 312,923, and almost 54 thousand of them are already receiving well-deserved money.

Despite the relatively small size and pronounced regionality, the Khanty-Mansiysk APF is able to provide high reliability in saving depositors' funds and good profitability. The company carefully and responsibly approaches investment. Most of the investment is in Russian bonds. Moreover, the NPF has determined additional requirements for assets in order to protect depositors and ensure the safety of funds.

The reserves of the "Khanty-Mansiysk" NPF are 12,179,777,534.95 rubles, and the number of participants is more than 270 thousand people. In general, a non-state pension fund can be called reliable and convenient, primarily for residents of the Khanty-Mansiysk Autonomous Okrug. But this does not mean that residents of other regions will not be able to use its services. Many services are available online, and, in addition to Khanty-Mansiysk, offices operate in 17 other locations, mainly in Siberia and the Urals.

NPF "Worthy Future" is one of the largest players in the non-state pension provision market. There are already 3,780,302 people among its contributors, and this figure continues to grow. The fund came about as a result of the merger of several other companies and major reorganizations that have taken place over the past few years. The history of the fund, which was originally called Good Deed, began in 1994, which makes it one of the oldest in Russia. The new name appeared quite recently, namely in June 2021.

At the moment, the volume of reserves of NPF "Worthy Future" is 8,801,784.09 thousand rubles.Individuals have access to several individual pension plans, including those with minimum monthly contributions from 500 rubles. The site provides a handy calculator that will help you look at your future after retirement from different angles.

NPF "VTB" is confidently moving along the path of gaining an increasing level of confidence on the part of future pensioners. The number of the fund's clients is constantly growing and now it is already about 3 million people. The size of the reserves is also not bad, although not as impressive as that of the larger players. At the end of 2021, it is 22,445,208.00 thousand rubles. 100% of the fund's shares are owned by the bank of the same name, which in turn is more than 60% owned by the state. Is this a guarantee of reliability?

The fund is ready to offer favorable conditions for everyone. For private clients, an individual pension plan will be drawn up here, allowing you to get the best result. Employees of partner companies have access to more favorable corporate pension programs. The policy of the NPF is such that it relies on socially significant investments, including green investments, which guarantees an optimal level of profitability and minimal risks.

The most affordable non-state pension fund in Russia, in which 8.7 million people have already insured - more than in other funds. The owner is only Sberbank, there are no other founders and shareholders. This confirms the reliability - as long as Sberbank is alive, its NPF will also live. Therefore, nothing will happen to pension savings.Also, leading rating agencies rated the NPF of Sberbank as the most stable and reliable. The Fund took over from the country's leading bank its main advantage - accessibility to everyone in a minimum monthly installment of 500 rubles and the ability to conclude an agreement at the office of a credit institution

As a rule, the profitability of Sberbank's NPFs provides quite a stable income and the fight against inflation. For example, in 2020, the increase was more than 6% per annum. The fund invests only in reliable securities of various industries. It is convenient that the NPF of Sberbank allows you to return the social tax deduction of 13% from deductions. In the reviews, you can often find positive comments from customers - mainly about the convenience and benefits of using the fund. Among the shortcomings that clients note is bureaucracy. On the other hand, the benefits are worth it, and pension savings do not need to be withdrawn every day. Moreover, the bank has programs for the self-employed.

NPF Otkritie is the result of a merger of three non-state pension funds under the supervision of FC Otkritie bank: Lukoil Garant, NPF Electric Power Industry and NPF RGS. The merger of major players in the pension insurance market allowed the renamed fund to take high positions in our rating and have reserves in the amount of 68,244,432,566.01 rubles, as well as insure almost 7 million people. Now the organization serves employees of more than 900 companies from different sectors of the economy.

The company is focused on building long-term relationships with customers, creating high-quality service and increasing the savings of depositors. This is also evidenced by the high profitability in recent years.The quality of service pleases - working with the fund is simple and pleasant, and consultants will answer any questions that may arise. The stability of the fund is confirmed by rating agencies at a high level.

"Evolution" is the new name of the old NPF "Neftegarant". The fund survived the rebranding and merger with Soglasiya in the summer of 2019, but this did not affect stability and reliability for the worse. On the contrary, the united organization has become even larger and stronger - now its reserves amount to 125,107,819.45 thousand rubles. and the profitability table shows consistently high rates. The fund invests investors' funds with minimal risks, which indicates its high reliability and responsibility to those who entrusted their future to it.

According to the company, now it consists of more than 231 thousand people. Moreover, more than 101 thousand are already receiving payments. The merged NPF receives high ratings from independent rating agencies, so there is no need to worry about retirement savings. The savings of participants fall into the management of the best companies - for example, "Region", whose experience has already exceeded 20 years. Stability is provided by a team of professionals, which will allow you to count on a good increase in your pension.

NPF Transneft is a serious fund that operates in the group of companies of the largest oil transportation company with the same name.Initially, he provided services mainly to employees of Transneft subsidiaries, but then more and more third-party people began to carry savings in NPFs. By the current moment, more than 48 thousand people are served in the fund, the reserves amount to an impressive 111,961,627.00 rubles, which makes it possible to classify the fund as one of the largest in the Russian market.

The NPF is focused on preserving and actively increasing the funds of depositors, but without serious risks. Management companies carefully work towards increasing the profitability of investments, while not risking the funds entrusted to them. In general, the company can be safely called one of the best in Russia, for which it got into our rating in third place. With her, the pension will definitely be worthy.

NPF "Welfare" according to the results of the 3rd quarter. In 2021, it became the market leader in terms of the volume of pension reserves, now the fund has 455,969,033.01 rubles, but we will not put it at the top of the rating yet. The fund has existed since 1996, has more than 1.3 million clients, of which 413,000 already receive a non-state pension. Currently, there are 72 divisions in most regions of the country. Among the founders are Gazprombank and Russian Railways, which speaks of reliability. Employees of the Russian Railways holding (RZD) trust their pensions to Blagosostoyanie. But this does not mean that others cannot become his clients.

The organization's priority is to preserve and increase the pension funds of contributors in the long term.That is, you can safely entrust NPF with your money, especially since its profitability indicators are consistently high from year to year, and the number of clients who care about their future together with NPF Blagosostoyanie continues to grow.

The largest and most reliable NPF, whose main founder is Gazprom, capable of competently taking care of the money of future pensioners. NPF indirectly has state participation (more than 50% of Gazprom's shares are owned by the state), so there is no doubt about the reliability. The Fund has been assigned the highest level of reliability. In addition, it has, albeit not the highest, but stable profitability. Since Gazfond is trying to invest only in highly liquid securities from the leading sectors of the economy, a negative fall should definitely not be expected.

Conveniently, there are several pension plans to choose from. Their conditions differ in terms of payment, a specific amount, and so on. I am glad that you can set not only the amount of deductions, but also the amount of the desired pension per month. A convenient calculator allows you to calculate monthly, quarterly, yearly and even one-time payments. Unfortunately, in some regions, unscrupulous employees may resort to not the most honest ways to attract customers - for example, by going round apartments and persistent persuasion. Judging by the reviews, this slightly tarnished the reputation of Gazfond. But after all, the profitability and benefits from this have not fallen, so the fund can be trusted with funds.