The size of the pension depends on the amount of pension contributions during the period of service. The number of non-state pension funds is already approaching three hundred. When choosing an NPF, both the size of investment income and reliability are important. The fund should be carefully evaluated according to several criteria, because future welfare depends on this.
Instructions
Step 1
Pay attention to the industrial or financial or industrial structure that is the founder of the foundation. The higher her reputation, the better. After all, this suggests that they value their reputation, which means, most likely, they will comply with their obligations. The fact that the fund should have a license is probably not worth talking about - it goes without saying.
Step 2
Find out how long the fund has been operating for. If there are already several years of work, the more likely it is that such dynamics will continue in the future. In addition, a solid experience should already have been accumulated during this time. After all, you are interested in long-term cooperation, and over the years a lot can change, especially if the organization is unstable.
Step 3
Read the rules of the fund. Everything should be clearly and clearly explained there - the procedure for collecting and investing money, the procedure for paying the pension.
Step 4
Find out how many contracts with individuals and legal entities are served by the fund. The larger this number, the better, because it speaks of stability and focus on broad strata of the population. It is good if the fund has several tens of thousands of contracts.
Step 5
Ask how successful the fund's investment activities are. It is good when several reliable management companies are involved in the placement of pension reserves. The number of investment objects should also not be small. An indicator of effective investment is that the profitability for a long time exceeds the inflation rate, but not by much. Too high a return indicates a risky investment.
Step 6
Pay attention to the period during which the real payment of pensions is already being carried out, it is good if for several years. To be reliable, pension obligations must be backed up by assets.
Step 7
Ask about the amount of pension reserves. Dynamics is also important here. The most successful and stable funds have reserves of several hundred million rubles. At best, this figure is gradually increasing. Another important indicator is the size of the insurance reserve.
Step 8
Each NPF has its own policy of redemption amounts - money paid by the fund to the depositor or transferred to another fund in the event of early termination of the pension agreement. Find out this policy.
