Non-state pension funds have been operating in Russia for almost 20 years. With their help, citizens can increase their savings and receive increased old-age benefits based on their age. One of the leaders in this area is Lukoil Garant, which offers several co-financing programs.
In August 2021, three non-state pension funds merged with NPF Otkritie. Now all clients of Lukoil Garant and other reorganized non-state funds are serviced in a single online service. Below are detailed instructions for users.
Registration in the personal account of the non-state Pension Fund Lukoil Garant
After signing an agreement with Lukoil Garant, the client automatically receives access to his personal account. In order to enter it, you will need to log in, that is, confirm the information specified in the paper document. The procedure itself takes about two minutes. The only thing you need to prepare in advance is a passport of a citizen of the Russian Federation or SNILS.
Register
Registration of individuals
Most recently, Lukoil Garant merged with Otkritie, so all previously registered clients undergo the procedure of authorizing their personal account on the NPF Otkritie portal.
When you visit the page, a form immediately opens, where you need to click on the Register link.
At the next stage of creating a personal account, you need to select a document with which the client will be verified in the Lukoil Garant database:
- SNILS.
- Passport of a citizen of the Russian Federation.
The input of information depends on this choice. In addition to information about the document, you must indicate your date of birth.
The next step will require you to come up with a login to further log into your personal account. It must contain from 5 to 30 characters of the Latin alphabet and numbers. It is allowed to use an email address. Below, enter the user-created password twice.
A telephone number is specified in the agreement with Lukoil Garant, so an SMS code is sent to it, which is another step in maintaining the security of personal data in your personal account. It will need to be duplicated in the line that opens.
Attention! If the phone number has changed, you need to call the call center at 8-800-775-77-44. Be prepared to recite information from your identification documents .
Read the rules of the service and consent to the processing of personal information and only then give your approval for the creation of a personal account by clicking on the Confirm button.
At this point, the client’s registration with Lukoil Garant ends and a personal account opens, where you can not only familiarize yourself with the funded part of your pension, but also use the portal tools for calculating or interacting with the funded pension fund.
Security and privacy rules
The personal account security system does not provide for a password recovery procedure. Every time it is forgotten or lost, you will have to register again. Then you will receive a password again via email that you can use.
Important! Incorrectly entered data in the authorization window will lead to account blocking after 5 attempts. It will be unblocked only the next day.
The data used to register and log into your account is kept strictly confidential. You can be sure that not a single person will be able to access the client’s personal account until the latter himself provides his own data to a third party. In accordance with the terms of the contract, this is prohibited.
How to open a deposit in NPF Garant
After a citizen signs an agreement and transfers to Lukoil Garant, he can also independently formulate his future social benefits by age. This can be done through contribution programs to Lukoil Garant. In your personal account in the top menu, go to the contract conclusion section.
The conditions for signing a document drawn up through your personal account will open, where you must read all its points in order to have a general idea of the program. To expand information, click on the document section arrow on the right.
At the next stage, you need to answer yes or no to four important questions that affect the preparation of papers.
Be sure to read the text of the electronic form and check that your personal information and identification documents are written correctly. The information is generated from contract data, which is connected to your personal account automatically. If necessary, you can edit the information on the account holder in Lukoil Garant. If everything is correct, then proceed to the next step.
The document is signed online. The user receives a four-digit confirmation code on their mobile phone.
At the final step of forming an agreement through your personal account, the system will offer three payment options:
- Remotely through account services at NPF Lukoil Garant.
- By printing a receipt for a money transfer through a bank office.
- Prepare a statement for the employer.
There are no limits or deadlines for payment, so it is allowed to make it at different frequencies. In the future, information on this agreement can be obtained in your personal account, where on the main page you need to select your savings and deposits in the top menu. Here the client can make payments and print receipts.
Types of pension deposits
The Government of the Russian Federation has developed several programs that can use Savings Pension Funds to generate future social payments to their clients. And citizens, thus, have the opportunity to increase the size of future funded old-age payments. In the non-state PF Lukoil Garant you can use the following programs, which are easily connected through your personal account:
In Russia, since 2015, the pension has two parts: funded and insurance. The state pension fund receives 22% from each official salary, six of which go to a savings account in Lukoil Garant, subject to an agreement with the company, and 10% is subject to conversion into points (the amount is indexed annually), and the remaining 6% goes to payments to pensioners .
After signing an agreement with Lukoil Garant, the client gradually forms a savings part with each salary. Its size directly depends on the salary.
Attention! According to the decree of the Government of the Russian Federation, from 2014 to 2021, all insurance premiums sent from the employer go to form the insurance part.
- A co-financing program approved in 2008. Its participants are considered to be clients of the NPF Lukoil Garant, who joined it before the end of 2014 and made the first contribution before the end of 2015. Its essence is to double the amount contributed by the client of the non-state PF. For example, you credited 5 thousand rubles to your account, then at the end of the year the state will add another 5,000 rubles to it. Thus, the funded part increases by 10 thousand rubles.
- Co-financing program (56 Federal Law dated April 30, 2008). According to it, everyone at any time has the opportunity to conclude an agreement with their NPF and join the Voluntary Co-financing program. The deposit amount is not limited. But at the same time, the state does not double the invested funds.
- The Non-State Savings Program is in many ways similar to the financial products of banks. A citizen voluntarily and periodically contributes a certain amount to this program. It increases due to the investment income of NPF Lukoil Garant. It is worth noting here that the earlier you start forming a deposit, the larger the amount will accumulate on it. Unlike previous programs, the Non-State Pension can be withdrawn in full after five years, and by decision of the Government of the Russian Federation, the client has the right to take advantage of a tax refund on contributions in the amount of 13% per annum. Here you need to take into account the fact that when filing a declaration, a citizen must have an official salary, that is, contributions to the budget that he decided to return. Another advantage of the program is that the accumulated funds can be inherited in the event of the early death of the owner of the deposit. All this is stated in the contract, which can be drawn up through your personal account.
Official site
The website of NPF "Lukoil-Garant" has currently lost its significance and is not working. Nowadays, the Otkritie Foundation website operates online, on the pages of which you can get all the necessary and complete information about the foundation itself, its current activities, as well as opportunities and methods of transferring to the foundation.
This Internet resource is official, in this regard, the information posted on it should be considered as a priority.
Attention! If you have any urgent questions, you can contact the hotline
- monitor the increase in cash savings;
- get help online;
- specify the amount accumulated over a certain period of time;
- receive an extract if necessary;
- use an option such as a pension calculator.
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You can calculate your pension using points using an online calculator on the Pension Fund website. The portal will not require you to register or enter your passport data, which greatly simplifies the work on it and saves the user’s time.
The only thing required: correct answers to the questions asked. They take into account all the factors that may affect the calculation of pension on the online calculator in 2021 by points.
Expert opinion
Elena Smirnova
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The value of pension points is indexed every year, so the calculation cannot be made absolutely accurately. It will always only be approximate.
First of all, you will need to indicate your gender (male or female), as well as your year of birth. For example: female, born in 1992.
Men must also introduce a period of conscription for military service in the Russian army. Women do not need to do this.
For the greatest accuracy of calculations on the website, it is necessary to indicate the planned number of children (taking into account those already born) and the time that will be spent on maternity leave (no more than six years). Again, men do not need to fill out this column. For example, you plan to have two children and spend three years on parental leave.
As mentioned earlier, the retirement age has a great influence on the size of the pension. That is, if a woman plans to retire not at 55, but at 58, then she must indicate that she will not apply for old-age benefits for three years.
Contributions to the Pension Fund are paid only from “white” wages, and on the service you also need to indicate in what capacity the person is working. The site offers three options to choose from:
- employee;
- self-employed citizen;
- employee and self-employed citizen.
For example, it was indicated that a woman born in 1992 works as an employee.
The next field must be filled in with the planned number of years of work experience (taking into account existing ones). For example, I have already worked for two years and my plans are to continue working for another 32 years. That is, you need to enter the number 34.
In the last column you must write the amount of monthly wages before deduction of personal income tax. For example, 30,000 rubles.
So, the calculation was made for:
- women;
- Born in 1992;
- planned number of children: 2;
- time spent on parental leave: 3 years;
- retirement will take place at age 58 (three years later);
- 34 years of work experience will be earned over a lifetime;
- monthly salary before personal income tax is 30,000 rubles.
To perform the calculation, you need to click on the “Calculate” button.
The pension calculator will automatically calculate and display the following information:
- number of individual pension coefficients: 158.7;
- the amount of the insurance pension is 18,862 rubles 2 kopecks;
- total length of service: 37 years (maternity leave time is added to the length of service).
Functions and capabilities of the personal account of NPF Garant
The functionality of your personal account allows you to fully control the savings of your future pension, as well as:
- enter into contracts;
- make payments online;
- get acquainted with regulatory documents;
- update personal information;
- create requests;
- apply for a pension;
- contact Lukoil Garant specialists for help.
The personal account interface is intuitive and therefore accessible to all categories of citizens. Its sections are located in the top menu.
Application for a pension
When retiring due to age, a citizen who has entered into an agreement with NPF Lukoil Garant must submit an application for social benefits. This can also be used by citizens who have signed a Non-State Pension Agreement and whose term has passed for more than five years. The fastest and most convenient way is to create a request through your personal account.
From the menu, select the Submit Application section.
In the form that opens, click on the Submit a new application link.
The next step is to select the appropriate option:
- by old age;
- ahead of schedule (for persons who have entered into an agreement for non-state financing).
Upon completion, the program performs calculations and displays information. Then the document is signed and sent for consideration to NPF Lukoil Garant.
Pay the fee in your personal account
Citizens who have entered into an agreement to participate in the Non-State Pension program can make contributions to their investment account through their personal account. To do this, in the top menu you need to select the Make payment according to IR section.
A page with comprehensive information on the agreement will open, where on the right you need to select Make a payment. After which an additional window for selecting a payment method will open:
- online using MIR card, Visa, MasterCard;
- print a receipt for transfer through the bank office;
- prepare a statement for the employer.
For remote payment, go to online money transfers.
In the next step, you need to indicate the amount of money to be written off from your card. Please check the boxes below.
Set the frequency of crediting funds to the Non-State Pension account, as well as the date of debiting.
After you click Pay, you will be taken to a page where you need to provide your bank card details.
Registration and login to your personal account
Only those who are clients of this non-state pension fund can register and log into the personal account of NPF Lukoil Garant. Otherwise, registration in your account will not take place. In order to become a client, you need to go to a branch of this fund and have your passport and SNILS with you.
Next, you will need to conclude an agreement with NPF Lukoil Garant on compulsory pension insurance and submit an application to the Pension Fund of the Russian Federation. In this case, you can submit an application to the Pension Fund through the MFC, going to your district pension fund, or submit an application through the online portal of the State Services. If you choose the latter option, you will need to have an account there.
At NPF Lukoil Garant you can choose two types of pension:
- Funded pension;
- Non-state pension.
What you need to do to apply for a funded pension is written above: enter into an agreement with a non-state pension fund and submit an application to the Pension Fund. To apply for an additional non-state pension at Lukoil Garant, you just need to write an application online on the NPF website. If you are not yet a client of this fund, click here. To submit an application and conclude a non-state pension agreement you need:
- Be a citizen of the Russian Federation;
- Be of legal age;
- Have a passport, SNILS, INN and have a valid mobile number.
Next, we go through the procedure of filling out your data. At the first stage, we enter our full name, passport data, SNILS, INN, enter the captcha from the image, and agree to data processing. If necessary, check that you are familiar with the rules (by default, these boxes are already checked), and click the CONTINUE button.
The second step is to enter your registration address and actual place of residence, zip code, email and phone number for SMS notification. Click the CONTINUE button to move to the third step.
At the third stage, the NO items are checked by default, if you agree with them, then just click CONTINUE. This will complete the procedure.
Hotline number of NPF Lukoil Garant
People often have questions about savings and pension payments. For information, you can contact the hotline specialists, which operate free of charge. In addition to general questions, they can provide assistance in navigating your personal account, completing documents, and provide advice on fund products.
In your personal account there is a customer assistance section for NPF Lukoil Garant, located on the right in the top menu. On the page that opens there are three blocks in which specialists’ answers to frequently encountered problems are formed:
- Accumulation part.
- Non-state financing.
- General issues.
On the right side you can select the version of the written request to Lukoil Garant technical support. But before using this option, be sure to read the answers from experts. Perhaps the solution to your problem is there.
Key indicators
Among the advantages of the organization is its financial stability, thanks to which pension payments were consistently made throughout the existence of the Lukoil-Garant NPF (including during acute crisis downturns). That is why the rating agency “Expert RA” evaluates the organization’s activities as “A”.
The fund manages 250 billion rubles. The cumulative return on pension savings from 2005 to 2021 was 175.1%. According to the Bank of Russia, as of June 30, 2017, NPF Lukoil-Garant is trusted by more than 3.5 million depositors.
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Reviews of NPF Lukoil Garant
Relatively recently, three large non-state PFs merged, including Lukoil Garant. Now his clients have automatically transferred to the newly created NPF Otkritie. Therefore, we will consider the responses that will allow us to more fully imagine the situation and get a general idea of the work of the fund.
On the Internet you can find reviews about Lukoil Garant until August 2021, that is, until the fund is reorganized. One of the resources has quite a lot of positive feedback. A visitor under the nickname Latani talks about the efficiency of Lukoil Garant employees, who, after leaving a request on the website, called back within 10 minutes and provided detailed advice on pension savings. Thanks to this, the citizen decided to transfer the whole family to the fund, additionally registering the inheritance of funds for his children.
Another site visitor talks about the support service, which provides assistance to Lukoil Garant clients free of charge. The choice of this fund was made taking into account the stability of oil prices and the company’s reputation.
Another resource contains negative reviews about Lukoil Garant. For example, a woman is indignant that after a year and a half her savings portion was transferred to a third-party non-state pension fund, with a loss of interest. However, she claims that she did not sign any papers.
Situations like this happen quite often. They are connected with the fact that some employers forcibly transfer employees to their funds or, when drawing up a loan agreement, an application is signed with a non-state PF. Loss of investment may occur due to the fact that a full year has not passed during the transition, which is not counted according to the state calendar, but from March of the following year.
Another visitor came to Lukoil Garant by chance in 2008 and is a member to this day. He is satisfied with the stability of the company and the opportunity to actually accumulate a pension, since investment income exceeds inflation, which the state pension fund cannot provide. It also talks about the possibilities of your personal account, where information on all charges and transfers is available.
People often have various questions about the pension savings program, so we invite you to leave comments on the instructions and share your opinion. You can also leave questions that interest you, which our specialist will answer.
