If at the beginning of last year in Russia there were about 60 non-state pension funds (NPFs), then by the end a little more than 50 remained. And if the processes of merging large NPFs continue, soon their number may decrease to forty.

However, among this fifty, the choice is not easy to make. The profitability rating of NPF 2019 according to the statistics of the Bank of Russia and NPF Russia rating 2019 from Expert RA, one of the oldest rating agencies operating in the Russian Federation. In the reliability rating, NPFs are evaluated according to several criteria:

• market positions (this includes both the size of the customer base and assets);
• the ability of NPF heads to manage risks and think out a development strategy;
• internal and external stress factors.

NPF profitability rating for 2019 (data from the Central Bank)

According to the reporting forms OKUD 0420255 and OKUD 0420254, published on the official website of the Bank of Russia following the results of 2018.

Reliability rating of NPFs of Russia in 2019 (Expert RA)

10. JSC NPF Surgutneftegas

Rating: AA

Opens the rating of the best non-governmental funds for reliability in 2019, the brainchild of an oil company that has been on the market since 1995. The fund was engaged in pension savings in 2009. and then showed a phenomenal return of more than 40%.

In the future, such impressive numbers of NPF Surgutneftegas could no longer be achieved. Its known maximum so far does not exceed 13%.

AA rating means that this NPF can be trusted - both the level of creditworthiness and financial reliability is high and only slightly inferior to the rating leaders. Moreover, the reliability of their NPFs is provided in a cunning way - participants in a corporate pension program cannot terminate a contract once concluded.

9. Diamond autumn

Rating: AA

If the NPF Surgutneftegas owes its start to black gold, then Diamond Autumn has risen on precious stones mined from permafrost by the employees of ALROSA. It is not surprising that most of the fund's clients are corporate.

Experts of Expert RA highly appreciate the ability of the fund to work with its shareholders. Most fund management data can be obtained by them effortlessly. The fund employees themselves are quite proud of the fact that even in the crisis years for the enterprise, 1998 and 2008, they regularly paid pensions without delay.

8. NPF Alliance

Rating: AA

Once, the Alliance was part of the financial group of Allianz, one of the largest European insurers. However, two years ago it was bought out by Rostelecom under its corporate program. So, at present, the fund primarily serves Rostelecom employees. Although usually the commitment of NPFs to a single corporate client causes experts to suspect the stability of the fund, in this case one should not be afraid of this circumstance. After all, Rostelecom is one of the largest players in the telecommunications services market in Russia.

7. National NPF

Rating: AA

Like many other private pension funds of the Russian Federation, “National” was conceived as a tool for servicing the Tatneft oil and gas corporation, and for paying pensions to its employees.

And since Tatneft’s creditworthiness is high, the positions of the National are considered among the NPFs as one of the strongest. Even if difficult times come, Tatneft will substitute its powerful financial shoulder for the NPF. Although, like many other "specialized" funds, the assets of the "National" are small. But there is no doubt in their quality, since more than 95% are considered to be highly liquid experts of the Expert RA agency.

6. Atomgarant

Rating: AA

If National was specialized in oil industry, then Atomgarant has been serving the needs of large enterprises in the field of nuclear energy since the mid-90s, most of which are part of Rosatom holding.

The high financial stability and good prospects of Rosatom also affect the degree of reliability of its NPF brainchild. Approximately half of all issued pension obligations is accounted for by one client - Rosenergoatom Concern. And the NPF itself is trying to ensure good returns on its own pension reserves.

5. NPF Neftegarant

Rating: AA +

In October 2018, different NPFs - just Neftegarant, Neftegarant-NPO and Soglasie-OPS - merged into a single NPF Neftegarant. This significantly increased both the assets of NPFs and the volume of reserves, as well as the customer base. According to recent reports, more than one and a half million people have entrusted their money to the new fund.

In addition to ordinary citizens, about 350 enterprises became clients of the new iteration of Neftegarant. So far, the forecasts for the future of the newly created NPFs look pretty good, although the cautious experts of Expert RA have rated “developing” in the “Forecast” column.

4. Gas fund

Rating: AAA

In fourth place in the top 10 of the best private pension funds in Russia in 2019 is Gazfond, the first non-state pension fund of the list to which an AAA rating has been assigned. This means that he has the highest level of reliability and financial stability.

This version of the Gazfonda Non-State Pension Fund is engaged only in corporate clients, so if you do not have relatives among the oil industry workers, you are not in danger of getting there. However, this may be for the better, because the statistics of the fund, according to experts, are overshadowed by the not too high yield of pension reserves.

3. NPF Gazfond pension savings

Rating: AAA

But this "daughter" of the "Gazfond" is already intended for everyone. Although 100% of its shares belong to the "elder brother" - NPF "Gazfond", it is also the fourth place in the rating. Two years ago, the company incorporated several non-state pension funds, increasing its customer base to more than 6 million people.

2. NPF VTB Pension Fund

Rating: AAA

In the second position in the selection of the largest and most reliable non-state pension funds of Russia in 2019 is the pension fund, which is part of the influential VTB group. Experts of Expert RA highly value both the volume of the fund’s assets (over 197 billion rubles) and the level of work with shareholders, transparency and management efficiency.

Approximately 90% of pension savings in this fund are highly profitable, and NPFs, as a wise housewife, do not store all their eggs in one basket. To say it “economistically” means that the assets have a high level of diversification.

1. NPF Sberbank

Rating: AAA

Sberbank is the most reliable bank in Russia, and the NPF from this company is also the leader in terms of reliability among Russian non-state pension funds.

The reason is the gigantic amount of assets that covers the indicators of other NPFs, like the armadillo brontosaurus. Compare the figure of 618 billion rubles with indicators, for example, the second place in the rating of the best NPFs in Russia (197 billion rubles).

Moreover, the quality of assets is estimated by experts as high, and the placement of pension reserves gives a yield figure of more than 6.36%. Well, there’s nothing to say about the client base, according to this indicator NPF Sberbank also takes an honorable first place.

Watch the video: Measuring Reliability (November 2024).