The pension system in the RF is built in such a waythat citizens independently decide where to spend their savings: on the formation of the insurance or funded part of the payments. All people had the opportunity to choose until 2016. For two years in a row, the ability to distribute savings has been suspended. All Russians payroll deductions (22%) form the insurance part of the pension. Therefore, the urgent question remains: which pension fund to choose to perform these tasks: public or private?
Before you decide which pension fundchoose, we study in detail the structure of the pension. This social payment consists of the main, funded and insurance parts. The first is set in a fixed size and clearly prescribed in the law. Insurance and funded parts depend on the results of human activity. The employer monthly deducts 22% of contributions for each employee, of which 16% are sent to the insurance part, and 6% - funded.
Most of it goes to pay currentpensioners and recorded in the form of state obligations to a specific citizen. The cumulative part is deposited on the insured's individual account. It is these savings and you can correctly dispose of. So that savings do not depreciate by the time a person retires, they should be invested. Every citizen decides who to trust this process: public or private PF.
How to get a big payout?For this you need to participate in the formation of capital. In addition to the compulsory insurance program, you can also participate in the co-financing program, to form an additional pension. To do this, you need to know how to choose a non-state pension fund. Reviews, ratings, working conditions, additional services services - all these indicators affect the choice of a particular organization.
Since 2014, the cumulative part of the pension is reducedup to 2%. This greatly affected the amount of future payments. Those who wished to preserve their savings back in 2013 began searching for APFs. There were many people willing to regulate the amount of their pension savings. The insurance part of the payment, which is formed in the FIU, is indexed by the inflation rate, and the cumulative part - by the level of profitability of the MC or APF. Therefore, the question of which private pension fund is better to choose is so urgent.
Негосударственный ПФ – это некоммерческая an organization that is created for the provision of pensions for Russians. Its activity is regulated by law. NPF and PFR can act as an insurer of a citizen in terms of the funded component. When a person reaches retirement age, the fund begins to pay pensions calculated on the basis of the amount of savings generated in a separate account. APF concludes contracts with each client.
Why bother to think about whatnon-state pension fund is better to choose if all the same functions are performed by the FIU? The NPF distributes only the funded part of the pension. Just as every person has to decide where to buy a CTP insurance policy or OMS, the Russians are free to choose an organization that will be engaged in the distribution of their savings.
Деятельность каждого НПФ регулируется federal laws and independent companies. Control over the activities of the Federal Service for a specific financial market, and the placement of funds is the depositary. However, it is important to know which pension fund to choose. User feedback can be quite subjective. It is necessary to additionally find information on a specific organization.
Which pension fund is best to choose is one offrequently asked questions. To answer it, you should familiarize yourself with the rating of NPF from the agency "Expert RA". It presents an objective assessment of the majority of organizations operating in the Russian Federation on the basis of profitability and reliability indicators.
Expert evaluation of the fund’s activities ispayable service. Therefore, if the organization is not present in the presented rating, this does not mean that it no longer acts on the domestic market. Nevertheless, there are doubts about why the fund is not ready to disclose information about the level of its profitability. Therefore, working with such organizations is not desirable. However, even large funds may have financial problems. If the selected APF is liquidated, all accumulated funds within three months will be transferred to the FIU.
Rating is a comparative scale of profitability.organizations. It takes into account all the performance of the fund in the market. According to the assigned ratings, each citizen can independently choose where to invest the funds. Accordingly, the decision to transfer funds, each person makes their own.
Sooner or later everyone will face suchorganization, like a pension fund - which one to choose? The rating is assigned to each by the agency experts, analyzing about 25 work indicators quarterly and annually. Based on the assessment, the APF are divided into the following classes of reliability:
Существуют также самые низкие классы «С», «D» и "E". Which pension fund is better to choose? The reviews do not provide an objective assessment of the organization’s activities, therefore it is better to target NPFs with a rating not lower than “A”.
If the final decision on whichchoose a pension fund (public or private), it’s already taken, then you need to examine in detail the issue of documenting the transaction To transfer savings, you need to conclude a contract on compulsory insurance with the selected organization and submit a corresponding application to the FIU. Every citizen can change the decision regarding the insurer no more than once a year. If the question of changing the pension fund was raised for the first time in several years, then you first need to find out exactly where the savings of a citizen are. This information can be obtained from the local branch of the FIU.
Every year until September 1, each APF mustsend the insured person information on the status of his retirement account, on the results of investment of savings. Similar reports are sent by the state pension fund in respect of pension savings. If the notification is not received by mail, it can be obtained free of charge at any territorial office of the Pension Fund of the Russian Federation in the form of an extract from the personal account. To do this, you must provide a statement, insurance certificate and passport.
You need to get serious about whatchoose a pension fund. Customer feedback on the activities of the organization may vary significantly. Therefore, in addition to the rating, it is also necessary to analyze the services provided by a specific FIU.
As mentioned earlier, each fund mustannually send information on pension savings to all insured persons. Some NPFs organize on their website clients access to the "Personal Account". Here you can find out the balance of the account and information about all transactions performed.
By law, several payment options are allowed.means. The pension may be paid for life, in the form of an urgent or lump sum payment. In the second case, we are talking about funds that have been accumulated under the co-financing program or from the maternity capital. A lump sum payment is due if the pension is 5% or less in relation to the total amount of labor pension. All payments made by the NPF and the FIU are exempt from taxation.
Pension savings funds are transferred to successors in the following cases:
In all these cases, payments are not taxed.
Until 6 months from the date of deathYou need to submit an application for the payment of the balance of savings to any territorial branch of the FIU. The decision is made within the 7th month after the death of the person, and the payment itself is made before the 15th day of the next month. You can receive funds at the post office or by transferring them to a bank account.
Pension savings "silent", whichleft all their savings to the FIU, and in fact the funds are managed by Vnesheconombank, depreciated under the influence of inflation. The total profitability of the bank for 2010–2014 is 44.25%, while the rate of inflation has reached 58.65%. NPFs have higher average return rates.
Which pension fund to choose?First of all, you need to familiarize yourself with the list of institutions that have fallen into the deposit guarantee system. For 2016, it listed 32 APFs. Zero yield means that during the specified period the investment brought a loss. If the APF works on the principle of repayment, then it compensates for losses from its own reserves.
According to RusRating, the most profitable forthe last 5 years was the “European Pension Fund”, he was able to show the level of profitability of 102%. The fund directs its funds to bonds of large Russian companies, for example, First Cargo Company JSC, Magnit, and Europlan leasing company. Its reliability is confirmed by numerous customer reviews.
