VTB Non-State Pension Fund: rating, profitability, reviews

About activities

VTB is the name of a non-state pension fund formed by the bank of the same name. It is this fact that attracts most clients. NPF VTB is engaged in pension insurance of the population.

It is proposed to invest your pension savings here, increase them and store them. And when the time comes, receive the appropriate payments. The activities of the organization are no different from the standard functions of non-state pension funds.

Scale

But this is not yet a reason to trust. The non-state pension fund "VTB" is a very large organization. It is distributed throughout Russia. And there are branches of the bank of the same name outside the Russian Federation.

It turns out that VTB are not scammers. You can trust this company. It will not be suddenly closed, its license will not be taken away. The fund under study is pleasing with its size. Perhaps this is one of the largest organizations in the country engaged in pension insurance and supported by one bank or another.

The head office of NPF VTB is located in Moscow, on Vorontsovskaya Street, building 43, building 1. This is where you should contact if any serious problems or complaints arise.

Non-state pension insurance programs

Anyone who contacts the fund can choose one of the proposed service programs:

• Balanced investment portfolio. The return on the program does not have any designated indicator and may differ from year to year. To make a profit, funds raised from clients are invested in bonds, shares and deposits of reliable companies and banks.
• Conservative investment portfolio. Profitability is determined depending on the profit received on deposits, since all funds are placed on deposits of reliable banks.

Among the main opportunities for participation in programs from NPF VTB, it is worth highlighting:

• independent determination of the number of contributions, their amount and frequency;
• accrual of additional income to the account by investing the funds received by the fund;
• obtaining information about the state of a personal savings account, the movement of funds and control over all operations.

NPF operation scheme

Anyone can become a client of the NPF. This means that VTB does not impose any conditions depending on a person’s place of residence or work, the amount of his income and social status. The fund's activities are characterized by its transparency, individual approach to each client and the possibility of remote service through a personal account .

How to become a participant in the program

The algorithm according to which you can become a participant in the program and a client of the VTB Pension Fund is simple. The process does not take much time and consists of several stages:

1. Conclusion of an agreement. This can be done during a personal visit to the nearest office of the VTB non-state fund or via the Internet using the special NPO-Online service. To do this, you will need to fill out the proposed questionnaire, after which a specialist from the insurance company will contact the applicant to clarify certain data and subsequent service.
2. Selecting the appropriate maintenance program. The client independently determines for himself which product is optimal for him.
3. Opening an individual account in which savings will be formed and where income will be received.

Replenishment of an individual pension account

After opening a personal account, you can invest in your future. Citizens are offered several ways to deposit funds, and any of them can be used without any restrictions:

• through your own employer (accounting of an enterprise or organization);
• by resorting to VTB Online, a remote banking system;
• Participants of the Collection program can top up their account with bonuses;
• from a plastic card or in cash through VTB Bank ATMs;
• via the Internet using the NPO-Online service.

• How can a pensioner get a quota for surgery?
• How will pensioners be punished for violating the isolation regime?
• Skin fungus

Rating

What other features should you pay attention to? For example, what place does the non-state pension fund VTB occupy among similar organizations in Russia. This nuance interests many residents.

Today, VTB is one of the 10 best organizations offering pension insurance to the population. Different sources provide a variety of information about the exact location of the company in the ranking. Somewhere they say that VTB is in 3-4th place, somewhere that it is in 6-8th place.

In any case, you need to understand that VTB is one of the best non-state pension funds in the country. This means that it is clearly worth taking a closer look at when choosing an organization in which pension savings will be formed.

Investment income of NPF VTB for 2020

The fund's average annual return remains at 37 percent.
Detailed information can be found by studying the ratings compiled by uninterested organizations and individuals. NPF VTB informs you, potential clients, that they can: 2021 will be a turning point for many citizens. If they do not enter into an agreement with the NPF, they will lose the right to accumulation, and all funds will be deposited on the insurance part of the future pension.

Therefore, it is worth paying attention to those funds that have received a license and passed the mandatory procedures and checks.

The main convenience is that the funds accumulated with the help of VTB NPF do not depreciate due to annual inflation, and accordingly, the amount in retirement will not turn into a minimum benefit.

Profitability of NPF VTB

Dear client, in accordance with the legally adopted procedure for the transfer of an insured person from one NPF to another NPF or to the Pension Fund of the Russian Federation (Article 36.6-1. Federal Law of 05/07/1998

And two years ago, Hephaestus underwent another reorganization - now it is a joint-stock company and, therefore, its services are available not only to miners, but to everyone. JSC NPF Gefest 14.21 3555809 479423 JSC NPF Almaznaya Osen 11.

94 20782266 2312530 JSC National Non-State Pension Fund 11.83 34532078 6347927 JSC NPF Rostvertol 11.36 2242794 339282 JSC NPF UMMC-Perspective 11.28 10784141 1780 609 JSC NPF First Industrial Alliance 11.17 6415428 1025865 JSC Interregional NPF BOLSHOY 11.

05 38608496 3857049 JSC NPF Defense Industrial Fund named after.

Profitability of NPF VTB for 2021

Increases or decreases in income from placing pension reserves and investing pension savings, as well as the results of investing in the past, do not determine income in the future.** , , merged on the basis of *** and joined to Please rate the article, I tried for you and spent a lot of time and effort on compiling the rating.

The fund's assets as of mid-2013 amounted to over 51.8 billion rubles. Full name of the organization: VTB Pension Fund JSC NPF Data for 2013: NPF VTB occupies top positions in the ratings of pension funds, unlike the Zerich fund.

But the government has already said that the state cannot take risks, since there is a high probability of losing these funds. Judging by the results of investing pension funds already published by the Bank of Russia for the three quarters of last year, we predict that the majority of funds included in NAPF (about 40 NAPF.

And if for “Expert RA” the profitability of savings is more important, then the Central Bank of the Russian Federation pays more attention to the volume of the organization’s own funds.

The data is based on the official reports of NPFs for last year, published on the Central Bank website.

The first in the top 5 most profitable pension funds is UMMC-Perspective, a non-state pension fund founded more than ten years ago by large metallurgical enterprises of the Urals.

We recommend reading: For Russian Citizenship 2020

Reference! In terms of reserves, Lukoil Garant ranks 7th in the unified rating of NPFs and covers a 2.03% share in the NPO market. Chart 3. Dynamics of growth of reserves in 2005–2020 Source: lukoil-garant.ru/cbr.

Common crawl en At the end of the 3rd quarter of 2021, 58 thousand pensioners participating in the fund received a non-state pension.

The fund directs client funds in trust management in accordance with current legislation No. 75-FZ “On Non-State Pension Funds” to the management company for investment in various income-generating projects.

A copy of the OPS agreement must be submitted along with the application. and applications for transfer of funded pension: From the moment of transfer of funded pension, NPF "Lukoil-Garant" acts as an insurer of savings. The client also has the right to issue:

Based on them, the Fund appointed 12 lifetime, 1 fixed-term and 1164 lump sum pension payments. NPF VTB Pension Fund pays the funded part of pensions on time and without failures in all regions of Russia.

Secondly, a large number of citizens have already chosen NPFs, so the potential base of new clients is becoming smaller. Therefore, in the medium term, growth rates will be closer to the results of 2021 than to the dynamics of 2015.

Dear client, in accordance with the legally adopted procedure for the transfer of an insured person from one NPF to another NPF or to the Pension Fund of the Russian Federation (Article 36.6–1.

Federal Law No. “On Non-State Pension Funds”), in case of early transfer

from one NPF to another,
investment income
earned for him by the current fund is withheld from the account of the insured person.

For example, your agreement with the Fund came into force:

in 2011 and earlier - you will lose income for 2021 and 2020: in 2012 - you will lose income for 2021; in 2013 - you will not lose income; in 2014 - you will lose income for 2015–2020; in 2015 - you will lose income for 2015–2020; in 2021 - you will lose income for 2021 and 2021;

in 2021 - You will lose income for 2021.

Non-state pension fund VTB

The transfer is very simple - you contact one of the fund’s branches in person or one of its agents. Write an application for transition, provide data from your passport and SNILS. After this, the application is checked, you receive a call to confirm the data, after which the transfer is made.

I would like to give some advice. Don’t rush to transfer to VTB Non-State Pension Fund. I have been with VTB Non-State Pension Fund for six years now. During this period, I noticed that employer contributions were very late in being credited to the account. So the payment for the 3rd quarter of 2013 came in April 2015. That is, he did not participate in the investment programs of 2014. I want to leave there, they are very cunning, and you can’t prove anything.

Non-state pension fund VTB 24 official website

• We are in social media The website vtbnpf.ru is registered as a media outlet, EL No. FS77-59877 dated November 17, 2014. All rights reserved © 2021 VTB Website creation Quality of the Fund's call center Very poor Poor Satisfactory Good Excellent Ease of use of the “Personal Account” service Very bad Poor Satisfactory Good Excellent Quality of service at the stage of concluding a contract Very bad Poor Satisfactory Good Excellent Quality of service at the stage of payments under the contract Very bad Poor Satisfactory Good Excellent Sufficiency of information on the Fund’s website Very bad Poor Satisfactory Good Excellent Your full name. Your email address Your contact phone number (with code) Protection from automatic filling * I agree with the processing of my data * * Your consent is required in accordance with the Federal Law of the Russian Federation of July 27, 2006 No. 152-FZ “On Personal Data”. Your full name * Your proposal * Your email address Your contact phone number (with code) * Number of your insurance certificate of compulsory pension insurance * Protection from automatic filling * I agree with the processing of my data * * Your consent is required in accordance with the Federal Law of the Russian Federation of July 27, 2006 No. 152-FZ “On Personal Data”.

VTB Capital Pension Reserve LLC has been actively developing the collective investment business since 2003 and specializes in the trust management of pension savings, pension reserves of non-state pension funds and the property of mutual investment funds, being one of the leaders in the Russian pension market among management companies. VTB Capital Pension Reserve has an unlimited term for the management of investment funds, mutual funds and non-state pension funds No. 21-000-1-00108 dated February 7, 2003, as well as a reliability rating of “A++” from Expert RA

NPF income for 2021 rating

Here's how investments were distributed in 2021: corporate bonds - 50.2%; government securities – 10.1%; On a note! The average return on investment was 10.8%. Which NPFs were included in the 2021 ranking of the best funds by profitability?

The data is based on the official reports of NPFs for the first quarter of 2020, published on the Central Bank website.

The second and third places in the rating (Gazfond and NPF Blagosostoyanie) in terms of total deposits lag behind Sberbank by 50-100 billion rubles, and the fourth and fifth places (Future and Lukoil-Garant) are almost 150-200 billion rubles behind .

In general, NPFs are showing positive dynamics - in three more NPFs (Soglasie, Doverie and Surgutneftegaz), savings have more than doubled.

NPF rate in 2021 VTB

The legislation of Russia does not prohibit the functioning of other similar institutions: non-state, private pension funds, abbreviated designation - NPF. In this article we will talk about the pension fund from the famous VTB bank, you will learn:

Accumulated profitability of non-state pension funds over the past 8 years At the end of 2020, the Pension Fund of the Russian Federation increased the pension savings of Russians by 2.97 billion rubles. At the same time, inflation in Russia at the end of the year amounted to 5.4%.

For comparison: the profitability of the state management company was 10.6%, and that of private management companies – 13.9%. Profitability for 2021 for non-state pension funds (NPFs) is currently not published on the Bank of Russia website.

The Pension Fund's income in the amount of 2.97 billion rubles was made up of the following components. Laws of the Russian Federation 2021 8 non-state pension funds in Russia received an A+ rating, and one – “Future” – was marked by experts with a reliability class of A.

Investment income of NPF Lukoil Garant for the year

In particular, according to the head of the investment department of NPF Soglasie, Ivan Nechaev, when forming the portfolio structure in 2021, the fund placed the main emphasis on corporate bonds with a duration of more than two years.

.Earlier, the Central Bank reported that in the first quarter of 2021, the return on investment of pension savings of NPFs averaged 8.1% per annum with inflation of 3.3% per annum. Large funds included in the FC perimeter reported negative returns at the end of the period.

Amount of investment income of NPF Gazprombank Gazprom

Only from October 2014 to mid-February 2015 it reached almost 90%. After such a rapid fall, the mutual fund sank, and the total profit from July 2013 to July 2021 amounted to a little more than 60%, which, in fact, is 20% per annum.

Bank GPB (JSC), or Gazprombank, is one of the top ten leaders in the MICEX rating in terms of the number of active clients (it ranks 9th, the number of active clients as of January 2021 was 2,621 people). In terms of the volume of client transactions, the bank is in 16th place out of 25 (as of 2021), ahead of such large market participants as JSC ALFA-BANK, VTB 24 (PJSC), etc.

Profitability of non-state pension funds for 2021

• Neftegarant;
• Gazfond Pension Savings;
• Welfare (Russian Railways pension fund);
• VTB Pension Fund;
• MPPF Big Pension Fund;
• Vladimir (TNK);
• Atomgarant;
• Safmar;
• Surgutneftegaz;
• Rosgosstrakh Pension;
• Diamond Autumn;
• Sberbank;
• National.

Profitability is one of the most important indicators that you should pay attention to when choosing a non-state pension fund. This data is usually presented on the official websites of NPFs, or in reports of the Bank of Russia. A fund's profitability can only be correctly assessed by analyzing data for at least five years of its operation.

You may also like

Source: https://nl-consalting.ru/oformlenie-razvoda/investitsionnyj-dohod-npf-vtb-za-2019

Profitability

The profitability of VTB NPF is constantly changing. But overall it remains at a very high level. The thing is that many point out that it is not worth investing money in the specified pension fund to significantly increase it.

Today VTB offers about 7-8% yield. That's not too much, but it's more than most competitors offer. Many people notice that this organization is perfect for the safe storage of pension savings, as well as for a slight increase in future pensions. But you can’t count on high returns just yet.

Reliability

The VTB non-state pension fund is a fairly reliable organization. This company has very high population trust indicators. According to statistics, we can conclude that reliability is at A+. Some sources indicate that the trust holds an A++ position. The first case stands for “High Trust”, the second – “Highest Trust”.

It follows that the population trusts the non-state pension fund VTB. This organization is considered stable, reliable and safe. Just what future retirees need so much. And in combination with the support of the bank of the same name and profitability, many consider this fund to be the best place for forming and increasing pension savings.

Non-state pension fund VTB

Today there are several dozen large and small non-state foundations operating in Russia. Among them, NPF VTB occupies one of the leading positions in the list of reliable and dynamically developing organizations . It is a member of the international financial group VTB and has more than a thousand representative offices in the Russian Federation. Future pension recipients are offered several areas of work:

• compulsory pension insurance;
• participation in the state pension co-financing program;
• non-state pension provision;
• corporate pension programs.

In accordance with the information posted on the official website, the capital of the non-state VTB Fund, consisting of its own funds, savings and reserves, exceeds the amount of 130 billion rubles and is managed by VTB Capital Asset Management CJSC. The number of citizens who have expressed their trust in the insurer exceeds one and a half million people. The yield at the end of 2021 on open accounts was 8.44% per annum.

• How to get money back for expired products
• Women of which zodiac signs are unlucky in love - the influence of astrology on relationships and love horoscope
• What benefits are available to honorary donors in 2021?

Reliability and guarantees for investors

Based on the fact that the fund participates in the deposit insurance program, its clients do not have to worry, because if the PPF is deprived of its license or other force majeure circumstances occur, they will receive the funds due to them through the Deposit Insurance Agency. Another indicator of reliability is that control over the activities of the Pension Fund is exercised by the Federal Agency for State Property Management, in whose portfolio 61% of shares belong.

The Expert RA rating agency assigned the insurer a ruAAA rating with a stable outlook. This became possible due to the high quality of its own funds and assets in which the management company invests. Additionally, the high diversification of assets and the profitability of VTB Non-State Pension Fund from the placement of financial assets were noted.

The agency's experts paid special attention to the stock of equity capital and the positive dynamics in the growth of funds raised. An important role in assigning the rating was played by the quality of services provided, the reliability of the company, transparency of activities and work carried out to minimize risks .

Return on deposits

Since a non-state pension is considered one of the effective means of increasing the cash receipts of citizens on a well-deserved retirement, an important factor, in addition to the frequency and amount of funds contributed, is the profitability offered by the VTB pension fund. Compared to the deposits that can be opened in the country’s banks, the profit of Pension Fund depositors is higher. This is confirmed by official profitability figures for 2021:

• for a balanced portfolio – 8.47%;
• according to conservative – 7.22%;

Total value of assets and number of insured persons

The fund’s assets at the end of 2021 amount to 130.36 billion rubles. This includes own funds, reserves and savings. As for OPS, the numbers look like this:

• return on investment of savings funds for the period from 2010 to 2021 – 74.32%;
• pension savings – 143.63 billion rubles;
• profitability on open accounts – 8.44%;
• the number of persons registered under OPS is more than 1.539 million people.

According to the non-state pension program:

• return on investment of savings funds for the period from 2010 to 2021 – 79.24%;
• return on a balanced investment portfolio – 8.47%;
• yield on a conservative individual entrepreneur – 7.22%;
• pension reserves, which include insurance reserves - 3.26 billion rubles;
• number of NGO participants – 61,689 people;
• the number of people who are already paid the monthly funded part of their pension at VTB is 7,209;
• The average monthly payment is 2,427 rubles.

"Personal Area"

Now a little about ways to work with the fund. VTB (NPF) offers a “Personal Account” on its official website to all investors. Using this service, you can not only monitor the status of your personal account, but also order statements and other documentation. Very comfortably!

However, some clients indicate that the “Personal Account” is not entirely stable. Because of this, some negative emotions regarding the service may appear. It is best to order documentation directly from the company's branches.

Customer service

What kind of feedback does the VTB non-state pension fund receive in general? It is noted that the majority of investors are satisfied with both the service and the main components of the corporation’s rating. VTB is called a bona fide fund that helps preserve savings for old age.

At the same time, there are opinions indicating that some employees are not behaving well. NPF VTB does not warn about delays in payments. You have to call yourself and find out what happened and where the money is. Delays also occur, but they are not too significant.

Perhaps, otherwise there are no significant complaints. The VTB non-state pension fund is considered a successful organization that has individual stability.

the best NPFs of Russia 2021 in terms of profitability and reliability

Hello!

No matter how hard printed publications try to keep the audio. NPF, in their opinion, helps clients choose the best fund, but this is not a 100% guarantee of future profitability. Compare, choose, analyze, if you don’t want to count every penny in old age.

the best NPFs

For some, in the rating of non-state pension funds, the volume of pension savings is important: this indicates the size of working capital and possible profit. Others rely on publications in the Bank of Russia Bulletin. Therefore, I will provide lists of the best NPFs according to various criteria.

By volume of savings

according to the report of the Central Bank of the Russian Federation for 9 months of 2021, top 10:

• Sberbank - 608,202,297.64509 thousand rubles;
• “GAZFOND pension savings” - 551,559,605.81662 thousand rubles;
• Otkrytie - 509,907,811.62335 thousand rubles;
• “Future” - 256,074,688.38737 thousand rubles;
• "Safmar" - 254,942,846.5577 thousand rubles;
• “VTB Pension Fund” - 242,544,409.09023 thousand rubles;
• “Evolution” - 126,381,343.5706 thousand rubles;
• “Bolshoy” - 45,127,767.19274 thousand rubles;
• “Consent” - 30,044,787.69339 thousand rubles;
• “Socium” - 21,772,360.73238 thousand rubles.

By profitability

NPF by profitability for the 3 quarters of 2021 in percent (remunerations for the management company and the depositary are deducted):

• “Professional” - 13.73;
• "Hephaestus" - 13.03;
• "Alliance" - 11.81;
• “Agreement” - 11.74;
• "APK-Fond" - 11.53;
• "First Industrial Alliance" - 11.12;
• Sberbank –10.93;
• there are two NPFs, “Tradition” and “Evolution”, with the same result - 10.91;
• "Volga-Capital" - 10.78;
• “Pension choice” - 10.73.

By reliability

reliability is assigned by agencies. Just keep in mind that such a rating is paid (I doubt the objectivity of the assessment).

According to Expert RA data (unfortunately, not even the top 5 at the beginning of 2021):

• Sberbank, Gazfond - ruAAA;
• “Big” - ruAA.

For other NPFs, data was not updated.

According to the Central Bank rating

Contrary to mixed information, the Central Bank of the Russian Federation does not compile ratings. Convince yourself of this by going to the website of the Central Bank of the Russian Federation www.cbr.ru. Here you can download summary data on performance results and compile a list of leaders yourself.

Comparative table of top NPFs

For complete information, I will also provide a comparative table of NPFs popular among the population (based on statistics from the Central Bank of the Russian Federation).

Tips on how to choose a fund

Unfortunately, the agreement with the NPF itself has very unfavorable conditions:

• in any case, the services of the non-state pension fund, management company and depository are paid, and losses are passed on to the client;
• It is difficult to switch to another non-governmental organization without losing savings.

Choosing a storage facility for your future pension based on a rating is not the best decision. I recommend:

1. Based on the summary reports of the Central Bank of the Russian Federation, create a table of the dynamics of profitability over the past 5 years for the best funds from the rating.
2. Go to the official website of each NPF. Try to find public reporting there.
3. Write to support, call the hotline. If they do not answer questions for a long time, or give deliberately false information (for example, when asked about profitability), it is better to refuse this option.
4. Find out in what mode it is possible to track savings, whether there is a personal account, whether reports are sent by email, and whether the necessary certificates are provided.
5. Search for scandalous information about the fund on the Internet (who is the final owner, with whom the business was redistributed, whether investors were defrauded).
6. Check whether the ratings on the NPF website correspond to the real data of the rating agency.

The main thing is to first collect information (not just look at the ratings) - only then make a decision.

How to become a client of a non-state pension fund

Sometimes it is possible to join a non-state pension fund without the client’s consent. Scandals erupted across the country when people were transferred from the Pension Fund or Non-State Pension Fund to another fund without their knowledge.

If you approach the choice consciously (after studying the ratings and available information), to sign the contract you will need a minimum list of documents:

At the fund's representative office or on the official website, you need to fill out an application and then sign an agreement.

My advice: if early retirement is likely, if possible, indicate in the contract with the NPF the start date of payments (not the retirement age, but the date of retirement).

Is it possible to change NPF

Yes. To do this, an agreement is signed with a new non-state pension fund (usually the best in the rating). The contract with the old one is broken. Then an application is submitted to the Pension Fund at the place of residence.

How to transfer money from NPF

It is not possible to transfer savings to a personal bank account. The savings will either be paid out as a pension or transferred to another fund.

The heirs must submit an application to the NPF, then the funds will be sent to the specified bank.

How NPFs are structured and work

NPF enters into contracts to attract money from investors. Management companies are hired to manage capital. Their actions:

• buy stocks, bonds, derivatives;
• engage in currency speculation;
• placed on deposit;
• lend at interest.

Securities are kept in a depository that provides accounting. Let me remind you: today securities are an electronic document. Therefore, a specialized depository resembles more a server center (where data is stored on powerful computers) than a bank vault.

On the part of the state, the activities of the fund are controlled by the Central Bank of the Russian Federation. In addition, the best funds are members of the non-governmental Association of Non-State Pension Funds (participants are required to comply with a number of financial requirements).

Client funds are insured by the Deposit Insurance Agency (a state corporation) if the fund has passed the inspection. Within the NPF, the work is controlled by its own audit commission.

The new agency works under a contract with the fund (paid services), analyzes public information and assigns a rating.

How is a funded pension formed?

The funded pension is formed from insurance contributions. The management company works with money: if a profit is made as a result of financial transactions, it is reduced by the amount of payment for the services of the NPF, management company and depository, then distributed to the accounts of depositors in proportion to the amount (i.e. profit is the contribution multiplied by the profitability).

These returns are expected from the top rated funds, but this is not always the case. If the management company works in the negative, all costs are also distributed across the register of depositors. Therefore, instead of the expected increase in savings, the client sees a decrease in savings.

Money must work, therefore, when moving to another NPF, of course, the best in the next rating, the investor loses investment income if it is not fixed (once every 5 years).

NPF or Pension Fund - which is better to choose?

Complex issue. The comparison begins with a sample of 2–3 NPFs (based on minimum ratings). Then the results of previous years, ideally 5, are considered, and only then a forecast is made.

My search for the best NPF after a thorough analysis of all available ratings was not crowned with success (harmful in nature, probably). Therefore, my savings remained in the Pension Fund; I prefer to invest my free funds on my own.

How much money is lost if you leave your funded pension in the Pension Fund?

It all depends on the non-state pension fund where the funded part of the pension is formed. Personally, I prefer to “keep your eggs in different baskets”:

1. The funded pension in the Pension Fund will be indexed, even with a lower rate than the inflation rate.
2. I have no guarantee that a pension from a non-state pension fund will not become part of the payment for someone’s wedding, banquet, or business.

Everyone makes their own decisions regarding finances.

Reviews

This is what forum users of a specialized financial site say about the ratings of non-state pension funds.