Абдулминова Л.Х., к.с.н. Ураев Р.Р.
ФГБОУ ВПО Башкирский государственный аграрный университет, Россия
Advantages
of non-state pension funds
Since
2002 in Russia the pension model based on insurance principles operates. It
means that the size of pension directly depends on the size of the pension
payments generated for all labour activity on your personal account.
Formation
of labour pension occurs at the expense of the tax, paid workers the enterprise
on which they work. 26 % from fund of payment arrive in the Pension fund of the
Russian Federation. The means directed on provision of pensions, are
distributed between two components of your labour pension: insurance (20 %) and
memory (6 %). The means arriving on an insurance part, are spent for payment to
today's pensioners. As of February, 1st, 2011 the general fixed base size of an
insurance part of a labour old-age pension makes 2 963 roubles of 7 copecks a
month.
Means
of a memory part of pension do not go on pension payments to another. All money
listed by the enterprise on formation of pension accumulation, arrives into the
personal account in the Pension fund of Russia.
Means
of a memory part of your future pension are considered by the Pension fund of
the Russian Federation in a special part of the individual personal account.
Under the decision of citizens, they are transferred to one of management
companies or a nonstate pension fund for investment.
People
have the right to solve, what financial institution will form and invest a
memory part of your future pension.
Pension
means are invested by the Pension fund of Russia through the state management
company (ГУК). Accumulation take place in
bank deposits, the state and mortgage securities profitableness on which is low
and, as a rule, does not exceed a rate of inflation. Indicators of
profitableness of investment of pension money at the state management company -
Foreign trade and investment bank - 7,62 % following the results of 2010 at
inflation of 8,8 %.
Nonstate
pension fund - the noncommercial organisation of social security.
The
nonstate pension fund, also as the Pension fund of Russia, accumulates means of
pension accumulation, will organise their investment, the account, appointment
and payment of a memory part of labour pension. Nonstate pension funds are
created within the limits of pension reform carried out in Russia.
The
nonstate pension fund has wider set of financial tools for investment of a
memory part of pension (including bonds and actions of the largest Russian
enterprises), and also possibility of cooperation at once with several
management companies. НПФ show higher
indicators of profitableness, thus their activity is strictly supervised by the
state. And it means that in the Nonstate pension fund money will work more
effectively.
Advantages
of investment of a memory part in a nonstate pension fund:
1.
Profitableness of pension accumulation above current inflation. Pension
accumulation of the insured persons not only remain, but also are increased
greatly.
2. The
high investment income. Management efficiency pension accumulation in a
nonstate pension fund above, than in the state.
3. Activity
of nonstate pension funds is transparent. Safety of means is provided with
state regulation and control. Relations between the client and a nonstate
pension fund are fastened by the contract. Thus, conditions and responsibility
are documentary fixed.
4. An
individual approach to each client - consultations on any pension questions.
5.
Convenience and simplicity of reception of the information on a condition of
the pension account.
Activity
of Nonstate pension funds is exposed to daily control from outside спецдепозитария and Federal Agency of the
financial markets. Means of pension accumulation of the insured persons can't
be lost. Even in case of liquidation of Nonstate pension funds pension
accumulation in 3 monthly term are translated in the Pension fund of the
Russian Federation.
Nonstate
pension funds play a considerable role in social and economic life of the
country. On the one hand, they urged to raise present level of provision of
pensions of the population, and with another, are a considerable source of
long-term investment resources, so necessary for the Russian economy.
Whether
to the full they however can realize the potential, depends on how problems
which Nonstate pension funds on a way of the development to Russia face will be
soon and how much effectively solved.
Literature:
2.
http://ru.wikipedia.org/wiki/Негосударственный_пенсионный_фонд
3.
http://npf.investfunds.ru/