To become a participant in a Non-State Pension Fund (NPF) or a Private Pension Fund, you need to follow these steps:

1. Choose a Pension Fund: Firstly, you need to select a specific Private Pension Fund you want to join. In Ukraine, there are several Non-State Pension Funds, and they may have different terms and conditions for membership.
2. Contact the Fund: Reach out to your chosen NPF and inquire about the membership procedure. They will provide you with the necessary information regarding the required documents and conditions to become a fund participant.
3. Prepare Documents: Typically, for NPF membership, you’ll need to fill out an application, provide a copy of your passport and identification code, as well as any other documents required by the specific fund.
4. Initial Contribution: Some funds may require an initial payment or minimum contribution to become a member.
5. Regular Contributions: Once you become a participant of the NPF, you are required to make regular contributions to your pension account. The amount and frequency of contributions may be determined by the fund.
6. Monitoring and Management: Pension funds invest your contributions in various assets with the goal of securing your pension income. You can monitor the development of your pension account and have some influence over the decisions regarding its management.

Don’t forget to consult with your chosen Non-State Pension Fund about the specific terms and procedures for membership, as they may vary from one fund to another.

Pension funds, including Non-State Pension Funds (NPFs), invest the funds collected from participants in various types of assets with the goal of generating returns and growing financial resources for future pension payments. The specific investment approach depends on the investment strategy and policy of each individual fund. Here are some common methods used by pension funds:

1. Stocks: Pension funds may invest in stocks of various companies to benefit from the growth in stock market values.
2. Bonds: Bonds are a less risky form of investment, and pension funds may invest in various types of bonds, including government and corporate bonds.
3. Real Estate: Some pension funds invest in real estate, such as commercial or residential properties. This can provide income from rent and property value appreciation.
4. Money Market: Pension funds may also invest in short-term financial instruments, such as treasury bills and short-term bonds.
5. Alternative Investments: Some funds may invest in alternative assets, such as hedge funds, commodities, futures contracts, cryptocurrencies, and more.

The investment decisions of a pension fund typically depend on its investment strategy and objectives, as well as the level of risk they are willing to take. Fund participants have the option to choose a fund with an appropriate strategy and risk level that aligns with their financial goals.

Your contributions to a pension fund are typically held in special accounts or investment instruments chosen by the fund for the storage and investment of funds from participants. Money is not physically stored but is accounted for in digital form.

Pension funds specialize in asset management and investments. Money from participants is invested in various assets such as stocks, bonds, real estate, and other investment instruments with the aim of generating returns for future pension payouts.

Financial institutions that manage the pension fund adhere to high security and regulatory standards to ensure that your funds are under reliable control and are stored in compliance with the law. You have the right to information regarding the movement of your funds and the investment portfolio you have chosen. The pension fund provides you with regular reports to help you monitor the development of your investments.