Reliability a JSC NPF gas fund pension savings. NRA affirmed the reliability rating of NPF Gazfond Pension Savings JSC at 'aaa.pf', outlook 'stable'
NPF Gazfond is a non-state pension fund that accepts funds from the population to form an additional pension or the funded part of payments to the state pension fund. The company's high rating (for 2017 and previous years), its reliability and competent management of entrusted money (the level of profitability confirms the competence of the fund's employees) attracts potential customers. To conclude an agreement, it is enough to apply with the appropriate application to the office. Or do it online remotely (send an application by e-mail, you can see the address on the website or check with employees by phone). You can track savings and profitability in your personal account.
JSC NPF GAZFOND pension savings
JSC NPF Gazfond pension savings was formed as a result of the merger of NPF Gazfond and several non-state funds that used to work as independent PFs. The new company for 2017 is their successor and fulfills all obligations under the concluded agreements.
Clients are offered to go through the second registration procedure in their personal account in order to have online access to the necessary information. Service can be remote, over the phone, or you can contact the company's office in person (the address of the nearest one can be found on the website or by phone).
Reliability rating in 2017
After the reorganization, JSC NPF Gazfond Pension Savings maintains its high reliability rating. According to the performance of the NPF, Gazfond showed a high level of profitability in 2017. Proper management of entrusted money allows clients to increase the amount of savings due to the return on investment.
Individuals or employers who pay a percentage of the salary of their employees in the Pension Fund can become clients of the company. The concluded agreement will increase pensions and make your own future more secure.
Fund returns
The performance of an NPF is just as important as its rating. This is another of the main aspects of the fund's activities, which must be taken into account when choosing it and directing your funded part of the pension under its management.
Application and agreement on the transfer of pensions to NPF Gazfond
If you decide to conclude an agreement with NPF Gazfond in 2017 (the application can be submitted remotely or in person at one of the offices at a convenient address), you can use the following pension options:
- mandatory: involves the transfer of the funded part of the pension to the fund;
- voluntary under an individual plan: additional contributions will be invested and then paid out as non-government collateral.
The funded part (6% of pension contributions) can be transferred by those who are currently working, or pensioners from the Pension Fund. It can also be transferred by companies - employers to form pensions for their employees in non-state structures. An application to the NPF Gazfond is enough to conclude an agreement for any of the existing programs.
Anyone can use the individual plan individual regardless of employment (formal or informal employment).
You can contact the JSC remotely, just send your application for service by e-mail [email protected](There are sample applications on the website, if necessary, you can clarify the rules for filling out by calling the contact center). To draw up an agreement in person at a stationary office (choose any address of NPF Gazfond), you will need a passport and SNILS. Employees will help you choose the most suitable pension option, fill out an application and other documentation in a few minutes.
Personal account of the fund client
After the client of JSC Pension Accumulations transfers the funded part of the pension or makes voluntary contributions, the money will be invested in reliable shares with high returns (the company's reliability rating for 2017 and previous years indicates the professionalism of employees). After the expiration of the contract, the received contributions and dividends will be paid to the client in any convenient way.
Clients of NPF Gazfond in their personal account will be able to track all accruals, find out the amount of savings, calculate the amount of payments, etc. At any time, you can evaluate the return on investment, contact employees for the necessary information (in person, by phone, online in your personal account), take advantage of additional benefits that are provided for JSC customers.
Pension savings programs NPF Gazfond
In order to maintain a decent standard of living after retirement, NPF Gazfond in 2017 offers its clients various program options.
The contract can be concluded:
- for non-state pension provision for individuals: additional payments will improve the financial situation of pensioners or form a future pension;
- for servicing corporate clients: in order to interest employees, increase their level of loyalty, and retain highly qualified personnel, you can use such an instrument as an insurance contract with NPF Gazfond. The employer's rating will increase due to the formation of a more attractive social. package. The company can fully cover the cost of paying contributions or use a combined option (part of the amount will be paid by the employee).
For more detailed information, contact the employees of the NPF Gazfond (by phone, in person or contact online).
The procedure for making payments
You can conclude an agreement on non-state security in any convenient way. After the end of its action, it will be possible to receive money according to one of the proposed schemes.
It can be:
- payments monthly or quarterly;
- with security until the end of life or with the division of the accumulated amount for a certain period, for example, for 10 years;
- single transfer of the entire amount.
Profitability depends on the terms of the contract, its duration, the number and size of contributions. NPF Gazfond will invest trusted funds in various shares in order to obtain maximum profit, taking into account their reliability rating. The resulting amount will be paid to the client.
Several major NPFs operate in 2017, one of which is NPF Gazfond. In our material, we will talk not only about the main features of the current fund, but also about the registration procedure in your personal account.
Characteristics of the Gazfond
Non-state pension fund Gazfond(hereinafter NPF) has been forming the pension of citizens for 23 years. For the entire period of work, the NPF has achieved positive results, namely:
- The amount of pension payments 13 million rubles.
- Number of clients - 1.5 million human.
- Reliability rating - A++.
- Pension reserves - 400 billion rubles.
- Number of persons receiving a pension - 120,000 people.
- The amount of savings - 50 million rubles.
General information about NPF:
- Official website - gazfond.ru.
- Office address - Moscow, Simferopol Boulevard, 13.
- Contact number - 8 495 721 8383.
- Hotline - 8 8007008383.
- License - No. 274/2 dated May 21, 2004.
NPF rating
Yield indicators
The average profitability of NPFs is 8% per year. Adjusted for inflation, the results fall by 4%. As a result, insured persons receive a low percentage of annual income.
At the same time, the total profitability for the period of work is 107%.
As for the latest data, as of September 30, 2016, the NPF has a yield of 11.6%. In 2015, the yield indicators were slightly higher - 13.7%.
The level of profitability largely depends on the principles of investing available funds.
Gazfond principles:
- safety of accumulated funds;
- ensuring liquidity, diversification of investments;
- openness of information;
- process transparency;
- professional staff.
How to get access to your personal account?
To receive online data on personal savings, the client must register to enter "Client Cabinet" Online: .
To gain access to the "Cabinet", a citizen must fulfill the following conditions:
- the presence of a signed contract;
- email registration;
- the relevance of passport data, phone numbers that are indicated in the contract.
Registration procedure next:
- Email registration.
- Filling out the form after authorization.
- Verify your phone number with the received code.
- Creating a password when entering the "Cabinet".
- Obtaining data on the amount of the personal account.
Who could be entrusted with their own pension savings, is now extremely difficult. Moreover, the competition in this area among organizations is simply huge. And in order to attract customers, very often many simply deceive visitors. What is Gazfond (NPF) really? Feedback about this organization from customers and employees is what will help you decide.
Maybe your funded part of your pension should really be transferred here? Or, on the contrary, never use the services of this company and look for its better analogue? Immediately understand for yourself - there is no single exact opinion. After all, how many people - so many reviews. All conclusions will have to be done independently.
What does he do?
True, in reality, this is not such a problem. After evaluating all the pros and cons of the company, everyone can make one or another conclusion for themselves. So let's start with the activities of the organization. Maybe she will scare you away.
Although, it shouldn't. After all, reviews of the NPF "Gazfond" (Russia, St. Petersburg and other cities) are left as a place that offers the population to invest and save their funded part of the pension. Of course, with its pluses - it is possible to multiply cash deposits. And when the time comes, Gazfond will pay you the funds in your account as a pension. Or rather, only its cumulative part. There is nothing suspicious here. Quite a normal company that offers the necessary services to the population. This is not the Vedeno-Oyatsky Monastery, not a fraudulent organization. Which means you can trust her. This is what many clients think.
How is the employer?
What reviews does the NPF "Gazfond" receive? Sometimes, by the opinions of employees alone, one can say with accuracy how conscientious a company is. With regard to Gazfond, the situation is very ambiguous.
Why? The thing is that the majority of employees adhere to a neutral position regarding our current organization. But at the same time, personnel and applicants emphasize some of the shortcomings of the company. Yes, she also has pluses, but for some they will seem not so significant.
Among the advantages stand out stable earnings, as well as working conditions. You will work in comfortable offices. More or less stable schedule also takes place. And Gazfond is not a fraudulent company. It really exists and offers real vacancies for employment. But that's probably where the positives end.
Gazfond (NPF) does not earn the best reviews due to the fact that all employees are forced to transfer the funded part of the pension to this particular corporation. And there are even threats of dismissal. That is, the company acts by hook or by crook, honest methods of influencing employees and not so much. This is alarming - why would a conscientious firm that is popular even force someone to make deposits? Suspicious, and only!
Rating
However, this is not a reason to refuse to "communicate" with this company. NPF Gazfond earns a variety of customer reviews. And it is impossible to say for sure whether to trust him or not.
In any case, a huge role is played by the so-called. It lists all such organizations, taking into account the level of customer confidence, work stability, and popularity among visitors. And Gazfond is in the top five. It follows that we are dealing with a truly stable corporation.
By the way, she has the highest level of confidence - A ++. In any case, this is indicated by statistics. Therefore, it should be assumed that the pension fund is trustworthy. At least the minimum. This is not some small office that no one knows about, but a really large and well-known organization.
Yield
Collects and multiplies pension savings by OAO NPF Gazfond. Reviews about this organization are left by customers, as already mentioned, ambiguous. Yes, according to statistics, the level of population trust is high. Moreover, the company is among the top five NPFs in Russia. But the important points don't end there.
What else should you pay attention to? To what NPF "Gazfond" receives feedback on the profitability of the fund. This is an important point. It's not enough to save your retirement savings. Funds also offer to increase them. This means that profitability plays a huge role in the rating of the firm.
In this corporation, not too high numbers are offered. The point is that the average profitability of "Gazfond" reaches 4.17%. Not much, but it's more than many similar companies can offer. Therefore, Gazfond (NPF) receives reviews as a fund that really helps, albeit slightly, to increase pension savings.
Surprises from the company
Membership in the company requires special attention. It causes the most confusion and indignation on the part of customers. Why? All due to the fact that you can suddenly find out for yourself that yours is already in Gazfond, even though you personally did not apply there. How does it work?
Gazfond enters into transactions with various employers, as a result of which all employees of the company become investors. Their personal presence, as well as consent, is not required. Thus, unsuspecting citizens keep the funded part of the pension in the Gazfond. When checking this information pops up. The fund itself allows you to refuse membership without any problems, but your employer is unlikely to agree. This is the picture that practice shows.
Personally
But if you independently decided to become a contributor, you will not find any problems, negative or negative sides. Moreover, NPF "Gazfond" receives positive customer reviews for its conditions, which it offers to all visitors.
The contract is drawn up taking into account and indicating all the rules of the emerging relationship. In addition, you are given the opportunity to change the pension fund to some other one at any time upon a personal application. It turns out that customers are not burdened with anything. They can freely choose where to keep their pension savings. And this, of course, pleases. In any case, at the very beginning of membership.
harsh reality
But in practice, a different picture emerges. It pushes many people away from the fund. How are things really going with Gazfond? Not in the best way. After all, despite the proposed terms of cooperation, you do not get anything special. Just an extra headache. That's what some clients say.
Where does this statement come from? All this is due to the fact that, in fact, Gazfond will not let you easily change the storage fund. To achieve your goal, you will have to write an application for transfer several times Money. It can be said that justice must be sought "with a fight."
It also turns out that Gazfond often has problems with the payment of pension savings that are already on the account. Sometimes citizens wait for their money for 2-3 months. This is normal for this non-state pension fund. And not only for Gazfond, but also for other similar corporations. Delays in payments, although repulsive, are present everywhere in Russia.
Glory laurels
Only here "Gazfond" (NPF) reviews earn mostly positive. Where do they come from, if in fact the company does not have many advantages? And the population tends to warn more about negative aspects than about positive ones.
Everything is extremely simple - praise for the pension fund is bought. People were paid positive reviews that could attract new customers. This is a normal phenomenon that has long been used by all organizations - both scammers and bona fide firms.
Is it worth trusting Gazfond? It's up to you to decide. In any case, one should not trust the opinions pointing to the ideal position of the fund in the services market. Yes, this is a company that will not be closed, it is unlikely to go bankrupt. Therefore, she deserves a minimum of trust.
Citizens of Russia who have reached a certain age (or who are in certain life circumstances) are entitled to receive pensions, regular monthly benefits paid to citizens due to the loss of their ability to earn a living on their own. The sources of payment can be different: the state or a non-state pension fund (NPF).
Russian pension system
Pensions are classified into the following types:
- social (relies even on those who did not work at all);
- accumulative;
- insurance.
The amount of the pension is calculated as 22% of the employee's salary. This is not a deduction from the amount of salary due on hand, but an accrual on it. The employer pays.
Citizens born not earlier than 1966 can, if desired, form a funded part of the pension (6% of 22). But since 2014, a citizen whose salary was credited with insurance fees receives only pension points to his account, which will be used to calculate his pension. The money itself is used to provide pensions to current pensioners.
Important! Until 2022, accruals to the funded pension in the PFR are suspended. All pension accruals are used to finance the insurance pension.
When calculating the pension of a particular citizen, the accumulated points will be multiplied by the price of the point, and a certain fixed amount will be added to this. To offset the effect of inflation, the price of the pension ball and the fixed amount increase over time. Thus, the insurance pension is indexed annually. Therefore, the later a citizen becomes a pensioner, the greater his pension will be.
A citizen can manage the funded pension money accrued before the “freeze”: transfer it to a non-state fund or leave it in the FIU. You can send additional own funds and maternity capital.
The funded pension of the Criminal Code or non-state funds is invested in securities. A well-formed investment portfolio determines the profitability of pension reserves. As a result of investing contributions in the financial market, an additive in the form of profit or loss may arise. The first is added to the participant's funds, and the negative one is ignored without reducing the amount of contributions. In the event of bankruptcy of the NPF, the citizen is guaranteed the return of contributions to the funded pension.
From January 1, 2020, insurance pensions (including a fixed payment) of non-working pensioners will increase by 6.6%. The price of the pension point will be 93 rubles (in 2019 - 87.24 rubles), and the amount of the fixed payment will be 5686.25 rubles.
Pension services for citizens in Russia are provided by the system of compulsory pension insurance (OPS). It provides a personalized accounting of all operations that affect the size and formation of citizens' pensions.
The defendants of the OPS system are:
- Policyholder. This is the core of the system, the PFR, it is included in the budgetary infrastructure of the state. Employers transfer deductions of insured citizens here. On a personal basis, he distributes them into insurance and funded parts. The latter is not indexed, so the income from it must exceed the amount eaten up by inflation. The FIU does not manage the funds of citizens. This is the prerogative of the managing companies of the management company, between which the PFR distributes reserves.
- Insurers - UK, the only state-owned GUK Vnesheconombank and NPF. They receive pension savings in trust management and invest them in the market under interest.
- An insured person whose money is initially managed by the FIU and the GUK. But managing directors or non-state pension funds can become managers. The citizen must report this to the FIU.
Important! If the minimum pension of a pensioner is below the subsistence minimum in the region of residence, he is entitled to a social supplement.
What is a non-state pension fund?
NPF is a non-profit organization specializing only in the following licensed activities:
- non-state pension (including professional) provision;
- compulsory pension insurance.
Distinguish between participants and contributors of NPFs. A participant is an individual, a recipient of a pension. The investor can be both a company and an individual. He directly contributes to the benefit of the participant. For example, an enterprise (contributor), concluding an agreement, may undertake to make contributions for its employee (participant). Or the contract is concluded by one relative against another (the father insured his son or mother). Several contracts can be drawn up for one participant.
The NPF accumulates the funds of depositors, independently (but within a strict legal framework) determines the objects for investing reserves. A non-state pension fund either manages its own activities or hires a management company. The structure of the investment portfolio and the literacy of its management determines the amount of income received. Therefore, different non-state funds have different profitability.
The income from investments is distributed among the participants, and also goes to remuneration of the MC and maintenance of day-to-day operations. The amount of variable income is also affected by the number of depositors, because each of them contributes to savings. From the number of participants, the cost of NPF management almost do not depend, they are approximately constant. It turns out that the non-state fund is interested in increasing the number of its members. This is its difference from the PFR.
How does NPF work?
The functions of NPF and PFR are similar. A personal personal account is opened for the insured citizen.
Initially, the reserves are in trust management of the UK or GUK. All pension operations, including control over the management company, are carried out by the PFR.
The placement of savings and reserves is carried out by a special management company (MC). There may be several such companies. The fund itself can also independently invest its reserves, but in a limited number of instruments - in deposits, securities of the Russian Federation (stocks and bonds), and other permitted instruments.
The presence of a license for the types of activities carried out is mandatory.
When participants transfer to NPFs, everything is similar, only control does not belong to the PFR, but to a non-state fund. And he has his own UK.
The investor signs an agreement with a non-state fund in favor of himself or a third party (participant). The agreement regulates the conditions, frequency and timing of contributions by the contributor, as well as obligations to pay the participant a pension according to the selected scheme.
Is it worth switching to a non-state pension fund?
If you have funded pension funds (which are not indexed), then to reduce the impact of inflation, it is better to transfer them to the NPF.
When choosing which pension fund to choose, state or non-state, it is necessary to take into account the pros and cons of such a decision. Let's consider the main points.
- The state guarantee (responsibility for debts) is only for the GUK. It is not available for private management companies and non-state funds.
- The state controls all aspects of pension provision: annual audit, actuarial valuation of assets and liabilities, publication of reports is mandatory. The financial data of NPFs of Russia can be found on their websites, at any time every citizen can see their pension contributions and accruals. The activities of non-state pension funds are clearly regulated by legislative norms.
- The profitability of pension savings is low for PFR with GAM. Private management companies and non-state funds buy shares and bonds, the list of which is enshrined in law, to generate income. The yield on them can be high or low, depending on the security and on the competent management of NPF assets.
- There are no mechanisms for increasing pensions for NPFs, but a guaranteed minimum rate of income that is not subject to reduction can be fixed in the contract. Usually it is small, 2-5% per annum.
- The management companies of NPFs resolve all issues of pension provision and insurance of citizens, they themselves develop the principles and concepts of the work of non-state funds that affect the receipt of profit for insured citizens. They are more flexible and independent than state structures. They receive remuneration from NPFs, as a rule, as a percentage of the financial result achieved.
- Although the Tax Code spells out the features of taxation of non-state funds, there are still a number of unclear points.
- For a participant, neither contributions to the NPF nor income from investments are subject to taxation. But the non-state fund itself, as entity can pay taxes.
- Funds are more dependent on the regulator in terms of license revocation, changes in legislation, the risk of dissolution of NPFs when the state conducts a radical reform of pension relations.
For reference: The legal status of NPFs, all relations arising from their creation, liquidation and reorganization, as well as all aspects of their pension and insurance activities are regulated by the federal law Federal Law 75 on non-state pension funds. - In a non-state fund, it is possible to inherit (parts of) pensions for relatives.
- There are no restrictions on the transfer to other funds, but it is impossible to withdraw money ahead of schedule (except for relatives, upon the death of the insured).
There are organizations associated with non-state foundations that are involved in all aspects of their work, from the development of standards and regulations to the representation of the interests of association members in the Bank of Russia, courts of all instances, and so on. One of them is the National Association of NPFs.
Choice of NPF - ratings
- The level of profitability of NPFs for the last time or the entire period of being on the market.
- The level of reliability is indicated by the NPF rating, and specifically, the reliability class: from A to E. Class "A" has the highest priority. It is divided into sub-levels, from "AAA" to "A" in descending order of reliability.
- Financial statements.
- The number of contributors.
The presence of a rating for NPFs is regulated by a large list of regulations, instructions and resolutions of the Central Bank of the Russian Federation, the Government and even the Moscow Exchange. The reliability ratings of NPFs are compiled by rating agencies: RA Expert, National RA and RA Rus-Rating.
Not always the leader in one of the parameters is such in the other. For example, the rating of NPFs in terms of profitability is headed by NPF Almaznaya Osen with 11.2% (2017). And in the rating of NPFs of Russia in terms of reliability with an AAA rating, 6 companies are at the head of the list: 2 funds of Gazfond, NPF Blagosostoyanie, Neftegarant, NPF VTB Pension Fund, NPF Sberbank. Of these, only three (the last two mentioned, and one of the Gazfond funds) were included in the top 12 companies in the NPF profitability rating according to RA Expert. The rest were lower.
Statistics show that the profitability of NPFs can vary greatly from year to year. This is determined by the success of the pension savings investment policy.
| № | NPF name | 6 months 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
| 1 | NPF Diamond Autumn (JSC) | 9,75 | 6,78 | 11,2 | 12,6 | 13,6 | 2,02 | 5,03 |
| 2 | NPF Gefest (JSC) | 15,33 | 3,94 | 9,97 | 12 | 16,7 | 0,62 | 7,37 |
| 3 | National NPF (JSC) | 10,06 | 4,08 | 9,81 | 11,5 | 11,9 | 1,65 | 4,94 |
| 4 | MNPF AKVILON (JSC) | 10,58 | 6,83 | 9,71 | 11,5 | 8,4 | 6,69 | 5,27 |
| 5 | NPF Volga-Capital (JSC) | 9,27 | 4,1 | 9,66 | 11,3 | 13,7 | 7,59 | 8,96 |
| 6 | NPF GAZFOND pension savings (JSC) | 8,61 | 6,37 | 9,53 | 13,2 | 13,9 | 2,85 | |
| 7 | NPF UMMC-Perspektiva (JSC) | 10,2 | 4,78 | 9,19 | 10,4 | 12,8 | 2,19 | 6,07 |
| 8 | NPF VTB Pension Fund (JSC) | 8,94 | 5,53 | 9,02 | 10,3 | 10,8 | 4,72 | 6,59 |
| 9 | NPF Social (JSC) | 8,62 | 5,61 | 8,93 | 10,6 | 12,4 | 7,4 | 8,53 |
| 10 | NPF Alliance (JSC) | 8,83 | 4,2 | 8,83 | 9,76 | 12,2 | 0,13 | 9,84 |
| 11 | NPF Surgutneftegaz (JSC) | 13,17 | 5,32 | 8,74 | 11,6 | 12,9 | 2,98 | 7,59 |
| 12 | NPF of Sberbank (JSC) | 10,28 | 4,64 | 8,7 | 9,6 | 10,7 | 2,67 | 6,95 |
The funds are ranked according to the places they took in 2017. It can be seen that NPFs in the upper part of the table showed consistently high returns. With the exception of 2014 and, to some extent, 2018, which were not successful for everyone. The average yield for most funds fluctuates around 10%, which is higher than the percentage on a bank deposit.
GUK (state management company) VEB RF showed a yield on the expanded portfolio of 8.59% in 2017, 6.07% in 2018 and 8.42% for 6 months of 2019.
In terms of assets and the number of insured persons, the NPF of Sberbank is the leader (more than 647 billion rubles and 8.7 million people as of mid-2019). But the NPF GAZFOND pension savings lags behind it quite a bit (more than 578 billion rubles and 6.4 million people).
So it is difficult to name the top 10 NPFs or at least the best NPFs in the rating of non-state pension funds. Which NPF to choose remains at the discretion of the citizen. The table above should help you with this.
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Video about choosing a non-state fund:
What is better, NPF or PFR? Is it worth transferring pension savings to a non-state fund?
It works here general rule for financial markets: The higher the return, the greater the risk. Therefore, everyone decides for himself.
How to transfer money to another fund?
There are no obstacles to transferring pensions to a non-state pension fund. Whether or not to transfer savings to NPFs is the right of the citizen himself.
Still, which NPF to choose? The PFR on its website provides a list of trusted non-state funds. On the website of the Bank of Russia, you can check the availability of a valid license.
There are options for transferring to another fund:
- Urgent. Pension savings in full, with investment income, will be transferred to another fund or FIU after 5 years from the date of application.
- Early. The savings will be transferred to the next year. The investment component of the savings is lost to the participant.
An application is submitted to the selected NPF. With the consent of the new NPF for the transfer of pensions, all formal procedures for re-issuing documents and transferring funds are carried out. In case of refusal (this also happens), the contract with the current fund continues to operate. It is necessary to notify the FIU branch with an application for transfer.
To sign an insurance contract, the branch of the selected NPF is provided with:
- identity document;
- SNILS.
In the case of a reverse transfer from the fund to the FIU, you should send an application to the FIU and select the Criminal Code.
How to get out of a non-state pension fund?
Termination of the agreement with the NPF is allowed during the accumulation period at the initiative of the participant with the consent of the depositor or the depositor with the consent of the participant, provided that the depositor fulfills all the conditions of the agreement.
(4
ratings, average: 4,25
out of 5) Non-state pension fund Gazfond is a pension savings and a great opportunity to get a decent old age in the future. The rationality of investing money in this fund is due to the fact that the money invested by clients is invested in the gas industry and other profitable production areas. Super profits are unlikely due to constant gas price fluctuations. At the same time, this industry is the most stable in terms of enterprise reliability. Ultimately, NPF Gazfond does not guarantee exorbitant income. Instead, customers are offered stability, which in the current realities is a bargain.
Pension insurance in Gazfond is an alternative to state pensions. The essence of such organizations is to invest the contributions received in profitable sectors of the economy. The payment of pensions is carried out at the expense of the profit received from the activities of the NPF. Clients of NPF "Gazfond" conclude an agreement according to which the client undertakes to pay contributions.
Industries where Gazfond invests
- Account opening in financial institutions;
- Opening bank deposits;
- Purchase government securities(CB);
- Purchase of state securities of subjects of the Russian Federation;
- Acquisition corporate bonds;
- Acquisition of shares of Russian issuers;
- Other earning assets;
- Purchase municipal bonds.
Benefits of NPF Gazfond
- Self-selection of contributions, as well as their frequency, which will operate in accordance with the terms of the agreement signed with the non-state pension fund.
- Many options for transferring funds: bank cash desk, bank terminal, payment via the Internet or withholding the amount from the RFP (subject to official registration).
- Getting a social tax deduction of the contributions paid: 13% of the contributions specified in the contract. The maximum possible contribution is 120 thousand rubles. in year.
- Make adjustments to the current agreement with NPF Gazfond if you wish to change the amount of contributions or the conditions for receiving them.
- Possibility to terminate the contract with a non-state pension fund at any time. At the same time, you will be reimbursed for the paid contributions. In addition, you will receive accrued profitability for the period of the contract.
- Receive complete and reliable information about the state of the nominal pension account on the Gazfond website in the "client's personal account".
Rating and profitability of pension savings
Reliability of NPF
The main indicator of non-state pension funds is the reliability rating. In 2017, the RAEX rating agency determined the reliability level of NPF Gazfond. According to the results of the audit, the organization received an A++ rating, which means the highest level of reliability.
The fund was assessed by the National Rating Agency, which assigned level of reliability at the level of "AAA" (the highest rating). In addition, the organization received a positive forecast for the subsequent dynamics of development. To ensure a high level of the rating of profitability of pension savings, Gazfond uses the following principles:
- Optimal ratio of risks and profitability. Thanks to this strategy, clients are guaranteed the safety of deposits and their increase.
- Information openness by providing access to “ Personal Area client."
- Diversification of financial resources - investing capital in profitable sectors of the economy.
An agreement with non-state pension funds is a long-term deal, so it is rational to consider profitability in dynamics. Thus, according to the results of 2012, the profitability indicator amounted to approximately 7.7% per year. The weighted average return from 2005 to 2012 is about 9.5%, cumulative - 107, 29%. The overall rate of return is 162%. From the latest results, it is known that the level of profitability of the enterprise as of September 30, 2016 is 11.62%. Finally, it is worth noting that the amount of the fund's pension reserves is regularly increasing. In 2007, the amount of reserves amounted to 262,663 thousand rubles. In turn, in 2016 this figure reached 372,000 thousand rubles.
- Number of members of NPF GAZFOND — 246,610 people.
- Of these, 159,713 people (64.76%) are pensioners.
- The total amount of pension reserves is 372,203 million rubles.
- The average size of the non-state pension of NPF GAZFOND is 8 490 rubles.
- Pension payments for the year - 15,570 million rubles.
- Pension payments in an increasing stack - 98,808 million rubles.