I'll start with what happened to me personal number a phone call from a woman who gave my full name and said that she was from the Pension Fund "Consent" and asked (or did not ask, but said in the affirmative, I don’t remember) whether I concluded an agreement with this NPF and whether any papers come by mail (real mail). After the woman named my data and told about the conclusion of the contract with the NPF, I agreed with her words because I thought that this was the NPF with which I signed the contract at the factory. The girl even called my registration address!!! Asking if I really still live at this address.
After I confirmed her words, she said that after 10 minutes the operator would call me.
Pension Fund "Consent" who will ask a few questions to which I must answer only "YES" and no more.
What questions should be asked by the operator:
Date of Birth
Where did the contract
To which I said that everything is fine, I will answer all questions in the affirmative. After the girl hung up and after some time the NPF operator called me and said that the conversation was being recorded and then asked all those questions about which the girl spoke.
Namely:
Full name - personally gave his full name.
Date of birth - personally stated the date of birth.
Where they concluded the contract, he personally said that he was at work.
And the last question was whether I received a copy of the contract, to which I answered NO (ATTENTION !! in order not to get divorced, you must answer that way).
When the call with the operator ended, I had cloudy doubts that there was some kind of catch. Since Yes, it was not necessary to answer the questions of the operator, but last question was not indicated by the girl from the first call. But since I thought that this was the NPF that I was thinking about, I didn’t really pay attention to it.
So I would have been waiting for this agreement with logins and passwords if they didn’t call me again in a day or two. But this time it was a man who repeated the same thing as the woman from the first call (did they sign the contract and where, giving the full address of registration and whether I still live there, etc.), but now he explained that they have some kind of the update and the conversation rubbed the game more, paid more attention to the fact that when calling from the operator of the Pension Fund "Consent" it is necessary to agree that I received a copy of the contract.
The reason he said was that they had some kind of database update there and that blah blah blah contract we will send a new blah blah just confirm that you received a copy of the contract ok yes.
Hung up the phone without listening to the end.
Where the information came from is unknown. From the same factory or even from parcels from China where the phone number, address and full name are indicated. But the fact is that they had my data.
Phone numbers from which calls were made. Also here is the phone number of the operator of NPF "Consent":
74999590839 +79630212376 +79038552216
So be vigilant. Do not provide or confirm your data to those calls that you do not expect.
This proposal is spelled out in the draft instruction of the Central Bank on the basic standards for protecting the rights and interests of individuals and legal entities on pension market. In addition, it will be possible to use video and audio recording in disputes between citizens and pension funds.
This proposal of the Central Bank of the Russian Federation is connected with a wave of complaints about the actions of NPFs that “steal” the insured from other funds. the main problem is due to the fact that in the case of transferring a pension from a fund where the savings have lain for less than five years, investment income burns out. Changing the legislation is a lengthy process, so the mega-regulator has accelerated the solution of the problem, obliging the SRO to monitor compliance with the law by the NPF.
How are pensions being stolen?
NPF agents carry out door-to-door rounds of citizens, posing as employees of the Pension Fund Russian Federation:
- disseminate deliberately false information, for example, refer to changed legislation or claim that the transition to the NPF is mandatory for all citizens;
- convince of the safety of funds in the NPF, of which they are representatives, or make statements about the future NPF income received from the investment of pension savings;
- spread misleading information about competing funds.
Fund agents sell NPFs to the client discreetly. Most often they are employees of insurance or credit organizations included with the fund in the same group of companies. Then under the pretext of getting preferential terms when applying for insurance and banking services(including replacement bank cards) offer the transfer of savings for preferential interest or, as part of the provision of the service, additionally include an agreement on the transfer of pensions to the NPF in the package of documents so that the client discreetly signs it, among others.
It's enough to say yes on the phone
New current year- cold calling. Citizens are misled by reports that they have recently allegedly become clients of some NPF. It is known about many cases of calls from people who present themselves as employees of the Soglasie and Gazfond funds. As a rule, the agent already has information about the SNILS number and other personal data of the insured person and is only asked to confirm that the service is interesting. Such a call may mean that the agent has already written a statement on your behalf.
How to avoid it?
- Representatives of the FIU do not go home, and it is unreasonable to open doors to strangers, and even more so - to show them your documents.
- If you are asked to provide the SNILS number by phone or call to confirm the information sent to your personal number, it is better to clarify the purpose of sending this message, since it may be a confirmation code for transferring to NPF.
- Read everything you sign carefully. Is always.
- Do not discuss savings investment opportunities over the phone.
- Track information about the current insurer for mandatory pension insurance possible on the portal public services Russian Federation in the section "Pension Savings". If it turned out that the pension went to the NPF without your knowledge, you need to write a claim to the fund, saying that then an appeal to the court will follow.
- Go to court, because this is the only way to cancel the deal. Even the fact of fraud established by the regulator will not return your savings to where they were taken from.
As soon as the president addressed the people about pensions, they already call me on my mobile from pension fund. “Tell me, for what reason do you not collect information about the state of your pension account from the Russian Post?” a stern male voice asked. I mumbled something in response. And I became a potential victim of scammers who are hunting for my (and probably yours too) pension savings. What's the catch here? - the correspondent of "Gorod 812" found out.
"We know everything about you"
The phone call took me by surprise. The male voice in the receiver introduced himself unintelligibly and addressed by name and patronymic:
- My name is boo-boo-boo (inaudible). I am a representative of the hole-hole pension fund (inaudible), customer service quality control department. Please tell me why you do not collect information about the state of your pension account from the Russian Post? Notification not received? Or was it impossible to pick up? he asked forcefully.
“Apparently, it didn’t come,” I answered, trying to remember.
The voice on the other end was delighted with my answer and cheerfully announced that the information would be sent again. And then he gave my address, surname, date of birth - in general, everything, everything. He did not ask any questions - he said that he was just checking the information, and ordered to wait for a call from the “pension fund security service”.
- You will be asked a few questions. Nothing complicated! I still have two clarifying questions for you, and I confirm you, ”he rattled off a strange phrase. - Where did you conclude an OPS agreement with NPF "Consent"? At work, at home, through friends? he asked the first question.
My vigilance has finally woken up. And I myself began to ask questions: what kind of “Consent”? Where do they get my personal information from? And what is the purpose of the call?
The interlocutor was taken aback. According to him, a year ago I translated my pension savings from the Pension Fund of Russia to the non-state pension fund "Consent". And now the employer allegedly transfers 6% of my salary to this fund.
Of course, I stated that this is a scam. I did not apply to any non-state pension fund, I did not transfer money to anyone. What followed was a strange dialogue.
“You must have signed a contract at work,” prompted the operator Boo-boo-boo.
- No! Where do you get my personal data from? – I was indignant.
- From the pension fund "Consent".
- And where do they get the fund from?
- Well, you signed an agreement with our fund.
I didn't conclude...
The circle is closed. But the young man on the phone didn't notice. He was clearly voicing a role in someone else's script. If my answers did not fall into "his answers", he simply ignored them and read further from the piece of paper.
- Tell me, was the contract drawn up at your place of work or at home? Did you hand it over to you? No complaints from the employer? he bent his line.
- There are no claims to the employer, but there are - to you ...
My answers did not interest him.
- Wait for a call from the security service! Be sure to pick up the phone and answer the questions correctly! he warned.
About ten minutes after this conversation - another call. From the same number: +7495-660-05-99, Beeline, Moscow region.
- I represent the control service of the "Consent" pension fund. I control whether you signed an agreement with our fund or not,” said the operator, who identified himself as Maxim Lolenko. We talked with Maxim for about five minutes: I - about the fact that I did not conclude an agreement with NPF "Consent". He is about what she concluded, since there is an agreement in the database of the NPF.
We said goodbye without understanding.
An application is received - and we translate
Strange calls made me turn on quickly Personal Area(LC) on the official website of the Pension Fund of Russia (PFR). There you can get information about the real state of your pension account: where is the money and how much is it. According to the FIU, all my pension savings are currently in the Pension Fund of the Russian Federation. Relieved from the heart. But not for long. Why then were these strange calls?
I call the hotline of the Pension Fund of the Russian Federation in St. Petersburg and Leningrad region. I don’t even have time to really explain the situation, as the operator interrupts:
- These are scammers! You are not the first today. They go from house to house and make phone calls! Two women in a row just applied: the scammers told them that in order to receive a recalculation of pensions for August, they need to provide their data ... Be careful! Scammers can apply to transfer your pension to their non-government pension fund.
Can they apply on my behalf? I didn't believe it.
- They can do anything! If they have your SNILS and passport, they can transfer funds, and then next year your pension will go to their fund.
- How so? Is my signature required on the application? Don't you check it? I was even more surprised.
- No! Imagine, you need to have a whole staff to double-check! We receive an application and we translate it. The application can be submitted through a personal account, and through the MFC, and by mail. You are not the first one,” the representative of the Pension Fund sighed.
She taught me how to deceive scammers. That is, try to save your funds from a fraudulent transfer to a non-state fund.
- If you do not want your pension to be in a non-state pension fund, then at the end of December go to the Pension Fund of the Russian Federation and write an application to transfer your pension to the state pension fund. Even if the scammers file an application on your behalf now, you will file another one later. Transfers for the next year are formed according to the last registered application. If yours is the last, it will be taken into account, - the operator encouraged.
In the NPF "Consent", where my pension money is allegedly going to "go away", they also turned out to be well acquainted with the situation. According to the representative of the NPF, the phone from which they called me does not belong to the fund (by the way, it is impossible to get through to it).
- They could have called in order to confirm your personal data, so that later on your behalf to apply for the transfer of funds to any non-state fund. A few years ago, they called me myself, introducing themselves as VTB. Last year there was a ringing from Sberbank. Don't you know that in Russia you can buy almost any database for little money? Perhaps some organization where you provided your personal data leaked the database, the operator sympathized.
According to her, the transfer of funds to their fund without the personal signature of the applicant is impossible, and the signature is additionally checked by their “staff graphologist”. But there is a fund with a similar name - "Consent-OPS". Until November 2017, this fund was simply called “Consent”, and then it was renamed, adding the prefix “ops”. Perhaps this is their work? she suggested.
I call "Consent-OPS". I explain the situation. But, unlike other pension funds, they did not talk to me in this one. They said that they had nothing to do with "Consent". Which, of course, is not entirely true. Because less than a year ago that was the name of the same fund.
For forgery - a ridiculous fine
After talking with representatives of pension funds, I already understood that my story is not unique. But I could not even imagine the scale of the disaster. It turned out that the problem is not new.
The illegal transfer of pension savings from the Pension Fund of Russia to non-state funds is the most massive violation in this area. Last year, the number of such cases reached a critical mass, and the situation was taken up by Accounts Chamber RF. After verification, she announced massive falsification of statements for five years - in 2012-2016. Usually fraud is carried out with the help of a simple forgery: applications for the transfer of funds are forged using illegally obtained personal data of citizens.
According to the Pension Fund of the Russian Federation, in 2016, 6.45 million Russians transferred their pension savings from one fund to another ahead of schedule. But early transfer of funds (more than once every five years) leads to a loss of investment income. Few people know about this, and in non-state pension funds, new clients are not reminded of this. The total investment losses of Russians from these transfers in 2016 are estimated at 40 billion rubles. In 2017, at least 55 billion. In 2018, according to forecasts, the losses of insured citizens may increase to 70-80 billion rubles.
Formally, before the law, non-state pension funds are clean or almost clean. The falsification of applications for the transfer of funds is not carried out by funds, but by agents who work not for fear, but for commissions. Average agent's commission is 4-10% of the amount of funds raised. For example, my pension savings currently amount to more than 176 thousand rubles. That is, for the transfer of my funds from the Pension Fund of the Russian Federation to the NPF (which already has my personal data, so fraud is only a matter of time), the agent / agents who called me from Moscow numbers will receive from 8,000 to 18,000 thousand rubles. How many people do they manage to call/earn in a day?
Of course, if a justified complaint is received against the NPF, the naughty fund will be fined - however, for a ridiculous amount. According to article 15.29 of the Code of Administrative Offenses of the Russian Federation, “submission by a non-state pension fund to the Pension Fund of the Russian Federation of false information ... as well as false statements of insured persons on the choice of an insurer ... resulting in the unlawful transfer of pension savings to a non-state pension fund” threatens with a fine for officials from 10,000 to 30,000 rubles. For legal entities - from three hundred to five hundred thousand rubles. Not very scary amounts, given that the funds available, for example, NPF "Consent-OPS", according to open data, amount to about 110 billion rubles.
Wrestling Interest Groups
The state has entrusted the fight against pension fraudsters to the future pensioners themselves. For some reason, for many years the authorities have not been able to resolve this issue by law. Which, of course, is strange and makes you think: who benefits?
Therefore, if your pension funds someone ordered without your knowledge, you will have to go to court for justice. Affected by the NPF unite in groups and movements in social networks, write letters to the president. As well as complaints on the official pages of the Pension Fund of Russia.
Most offended, in my opinion, just from the NPF "Consent", which was renamed a year ago in "Consent-OPS". And, as it turned out, this fund is going to change its name again - in connection with the reorganization under the wing of Rosneft. Here is a recent story of Vladimir from Moscow, whose pension savings were leaked to this NPF. Vladimir suspects that the state Pension Fund of Russia is in a share with the non-state Soglasie-OPS.
- Some scammers transferred my savings to NPF "Consent" without my knowledge. I entered the personal account of the PFR and wrote an appeal about this (before that, the history of appeals was clean). A week later, a record appeared in the personal account about my alleged appeal about the choice of an insurer dated 01/31/2018. It needs to be understood how the FIU is in the share and is now covering its tracks? How did this appeal appear in my personal account and why did it appear only on 08/07/2018, if it was allegedly created on 01/31/2018? – the man writes in August 2018.
According to Vladimir, he turned to the NPF "Consent-OPS" and there they even sympathized with him, blaming a certain "partner who set them up and deceived" for everything. The man was offered to simply write a "reverse" application - to transfer funds to the Pension Fund of Russia. At the same time, the NPF did not say about the loss of investment income due to early (more than once every five years) transfer of funds from fund to fund. Vladimir wants to return not only pension savings to the Pension Fund, but also lost investment income (about 20-60% of the face value of the amount transferred to the NPF). So he plans to go to court.
- In a week I receive a certificate of damage from the FIU and go to court. I have already filed a police report with in electronic format through the Internet reception of the Ministry of Internal Affairs. The case was transferred to the OBEP. From there, they have already sent requests to the FIU and the NPF to receive copies of my statements and the contract. Upon the fact of the underscore examination (that the signature was forged), a decision will be made to initiate a criminal case under 159 of the Criminal Code of the Russian Federation (fraud), because. there is damage. Arbitrage practice has developed in such cases is quite routine. More often, NPFs want to get off, getting off with a pre-trial agreement. For judgment in relation to such a fund, this is a reason for sanctions by the Central Bank. And the criminal case will, of course, not be against the NPF itself. A stupid employee of a partner organization of the NPF, who forged applications, will go under the slaughter, since he receives 3,000 rubles for each. paid in case of transition. The NPF, probably, knows perfectly well where the statements come from, but when it comes to kipish, it gets into a pose that it had nothing to do with it and was deceived. However, the legislator assigned the responsibility for verifying the statements to the NPF, therefore the NPF is also brought to administrative responsibility. In addition, the Pension Fund of the Russian Federation, having received a scolding, will block all transfers to this NPF, even according to these statements, Vladimir explained.
There are few such active fighters as Vladimir among the victims. As a rule, the funds of "silent people" who have little or never been interested in their pension account are diverted to non-state funds. Most of them don't even know where their retirement savings are. I was one of those too.
Thanks to the scammers: now I consciously and vigilantly approach my own pension. And on December 31, I will go to the FIU and write a statement so that my funds are not transferred anywhere.
Reference. About Soglasie-OPS and Rosneft
NPF Soglasie-OPS is now in the top 10 in terms of pension savings. The number of insured persons following the results of the transition campaign in 2017 increased by more than 300 thousand people.
JSC " NPF Consent-OPS" is in the process of merging with NPF "Neftegarant" and JSC "NPF "Neftegarant" - under the brand of JSC "NPF "Neftegarant". The founder of NPF Neftegarant is Rosneft. More than 1.2 million people will become clients of the joint fund.
According to open sources
What to do if your savings were transferred to NPF without your knowledge?
A memo for citizens with this heading was posted on its official website by the Pension Fund of Russia. Briefly its essence:
1) Contact the nearest branch of the Pension Fund of the Russian Federation and submit a written application-complaint in free form.
2) Write an application with a claim to the NPF, to which your funds were transferred without your consent. The NPF is obliged to inform you on the basis of what this happened. In particular, the NPF must have an agreement with you to transfer your pension savings to the NPF. You must request a copy of it.
3) If you want your funds to be transferred back, you must write an application for the transfer of funds.
4) In order to return pension savings back this year, it is necessary to file a lawsuit against the NPF.
Elena Rotkevich
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In case of transfer funded pension in NPF "Consent" and the desire to get more information about these contractual relations, as well as possible actions by scammers, this article will try to reveal the issues that bothered most citizens.
basic information
A few words about the structure itself. NPF "Consent" dates its formation in 1994, with its inclusion in the group of financial and credit enterprises of the Moscow Credit Bank. Soglasie was the first company to create electronic access to individual savings account using pension terminals. The reorganization of NPF Soglasie, carried out in 2014, transferred the license to a new company OAO NPF Soglasie.
Definitions
- OPS - compulsory pension insurance;
- PPD - personal data processing;
- PF - pension fund;
- NPF - non-state pension fund;
- NPP is the funded part of the pension.
Legislation
- Art. 36.11 and 36.6 of the current law on NPF (as amended on 10/01/2015, as amended on 30/12/15)
- Art. Russian Criminal Code
The scheme of actions of scammers
Reviews not only of investors, but also of the employees themselves warn of an aggressive policy pursued by the management of the enterprise in order to attract new customers, sometimes even using fraudulent methods.
The first way to achieve results was:
- door-to-door tour;
- employment opportunities;
- loan processing with forged documents.
Rights of the agent and his documents
In this paragraph, we will try to give a description to the NPF agent, consider templates of prepared phrases, what is the goal pursued. We will also clarify the list of documents that should be in without fail for each agent.
I’ll say right away that each NPF acts according to its own patterns, but at the same time, if there are differences, they are not significant.
How does an NPF agent work?
Most often, NPF agents work in pairs, but work is also being done on one person.
Having opened the door to an incoming call, the first thing a person should hear is the words of the employee’s introduction with the obligatory voicing of the last name, first name and patronymic and the designation of the represented NPF. Some agents avoid voicing their NPF at the beginning of a dialogue.
But this does not apply to contrary norms of legitimate work. Here it is important to understand that the employees of the divisions of the NPF are engaged in NChP, but, in no case, the FIU of the Russian Federation! If you hear the presentation of an employee of the FIU, then you should think about the competence of this employee and the eligibility of such a visit. And if this employee tries to serve the OPS agreement on behalf of off-budget fund, then you should not think for a long time that you are facing a scammer.
A competently trained NPF specialist will not be called an employee of the PFR, because every person must understand that FIU employees they never go door-to-door to work with citizens.
Now specific advice: you need to ask the representative of the NPF:
- certification of his authority or power of attorney;
- listen to information if necessary;
- refuse to sign documents outside the office.
False employment
Recently, false employment has become popular. NPFs offer the conclusion of Sub-Agent Agreements with individuals. To sign such an agreement, the Agent asks the person to provide a mandatory package of documents: passport, SNILS and mandatory consent to the processing of personal data (OPD).
It is clear that agents use various methods to find clients, but some methods raise doubts about their legality. Consider one such way:
Having rented an office, agents attract citizens to themselves by placing advertisements for the search for employees on behalf of existing LLCs, CJSCs, and JSCs. When inviting to an interview, they ask to bring documents, including SNILS. During the interview, he proposes to draw up a mandatory document called the “OPS policy” and issues it to the citizen for signing with an agreement to transfer to the NPF.
Important to remember: in Russian legislation there is no document "OPS policy".
Calls
Receipt of calls by citizens from representatives of the FIU. In order to make their speech convincing, the deceivers fully name the fictitious surname, name and patronymic and tell the person about making incorrect calculations in the field of pension payments.
In order to quickly receive funds on a Sberbank card, they ask to provide them with the number of the card to which pension funds are credited. Sometimes, such scammers make a door-to-door (home) round and collect all the details of a citizen with the signing of any statements.
Mobile scam
Fraudsters are trying by any means to get complete information about a citizen. Mobile fraud is no exception. They call on behalf of the courier with an offer to receive a letter from the FIU.
To get it, you need to prepare the required documents: passport and SNILS. Having received copies of documents, fraudsters can carry out an illegal transfer of funds. If, a citizen has discovered the fact of such a situation, he has the right to contact the PFR department and file an application for the return of his savings back.
They called and asked if I had signed an agreement with Soglasie.
It's amazing how people buy into these calls. This is another common scam. The task of fraudsters is to convince a person of the need for a translation Money to their company accounts. In this case, they refer to changes in the Legislation, promises of high pensions, and so on. It is worth paying great attention to such calls and not transfer your personal data to strangers.
What they look like, what they say
The schemes used by scammers are quite diverse, but their goal is the same - illegal transfer pension contributions in the NPF.
The methods they use are quite common:
- presenting false information to citizens about changes in the procedure for the formation of pension savings;
- forcing job seekers to sign applications for the transfer of contributions to the NPF.
"Consent" apologizes
An appeal to the Soglasie fund was received with an apology and assurance that the agents of this NPF do not resort to fraudulent methods. According to the head, NPF employees do not impose their services over the phone, do not call on citizens to become their clients. The official website of the NPF "Consent" provides all the necessary information about the activities of the fund, indicates its current phone numbers.
Also, a citizen can use a single free number contact center and get clarifications on the issue of his attitude towards the Fund's clients. To get acquainted with personal account you can order in the FIU this service through the portal "Gosuslugi" or through the official website of the Pension Fund.
Positive reviews
According to the reviews of many clients of NPF "Consent" hallmark of this fund is decency and honesty. Even in case of refusal of the services of this Fund, the application for a refund was considered in a short time and the money was returned. NPF is under state control, which affects the additional trust on the part of citizens.
Information about NPF
JSC "NPF Soglasie" today has become a leader in the field of accumulated profitability. With twenty years of experience, NPF is a dynamically developing and reliable company.
The employees of the non-state fund themselves, when working with clients, try to highlight the main values of the enterprise:
- reliability;
- high level of investment income;
- compulsory pension insurance.
How to get your pension back
There are moments that require the termination of the contract with the NPF, but the rules for such termination are not known to everyone. We invite you to familiarize yourself with the terms of termination.
A citizen can find such information in the contract itself, but we will now highlight the main points:
- the death of the insured person will lead to automatic termination of the contract;
- when concluding another agreement with the PF on OPS;
- desire to go to the state fund;
- in case of revocation of the license by the fund.
Hold the organization accountable
Roskomnadzor, which has already managed to develop a certain database of such cases, can be held accountable for a company that uses your personal data. Most lawyers note an increase in complaints from citizens about calls from medical centers and foundations, addressing them by their first and middle names.
What to do if you are a victim
If you need to return the right to manage an NPP or make a transfer to another NPF company, you must apply directly to the fund to which you would like to transfer funds. In other words, according to lawyers, appeals to law enforcement agencies will be recognized as groundless., since the offense is not provided here.
Action algorithm
The reforms carried out in the field of pensions have allowed citizens to manage their pensions on their own. This option was the transfer of NPP to NPF.
How is the funded part of the pension transferred?
A citizen can use self-deposit of funds to his own account. Funds are managed without access to the funds themselves. The possibility of NPFs lies in investing in various projects.
Benefits for citizens
Of course, the law does not approve the obligation to transfer funds to NPFs, but such a choice gives the citizen some advantages:
- increase in savings;
- independent tracking of the movement of funds on personal accounts online;
- conclusion of only one contract with the current Terms during the entire period;
- customer funds are insured. In case of bankruptcy of the company, all funds are returned to the owners.
Is it possible to transfer money without your knowledge
The approval of the law on the transfer of funds to the NPP led to the active activity of the NPF company. Often, NPF agents use the contract rewriting scheme. Transfer of a citizen from one NPF to another due to falsification of applications.
The contract can be terminated
In accordance with the current law on NPF, a citizen can exercise his right and return NPP.
To do this, the main actions of a citizen will be:
- request a copy of the agreement to the NPF;
- filing an application with the FIU with a request to withdraw the NPP from the NPF;
- appeal to the judiciary.
How is the translation into "Consent"
The most active agents were able to develop a definite plan, which brought the company a great commercial success. But at the same time, this plan was a direct deception for new members.
Organization details
For 22 years, NPF "Consent" has developed a certain experience, which has gained its popularity not only among customers, but also competitors, due to the company's current policy of concluding new contracts.
Ratings of independent services
Companies, participating in the ratings of independent services, confirm their solvency and their readiness to meet their obligations to investors. The higher the level, the more stable financial condition companies, which means that the fund's clients will show their loyalty, and more clients will apply to a trusted company.
