NPF "URALSIB" was founded in 2000. In 2002, its founders included the large commercial bank OJSC BANK URALSIB. Together, the fund and the bank developed and implemented non-state pension support programs.
Since 2004, the NPF has been actively involved in state pension insurance and began paying non-state pensions.
In 2014, the fund was assigned a very high level of reliability “A+” by the Russian agency “Expert RA”.
In 2004, on April 16, NPF URALSIB received perpetual license No. 361/2 from the Central Bank of the Russian Federation.
Official website and contacts of NPF Uralsib
- NPF name : Ural-Siberian Pension Fund (Uralsib)
- Address : Moscow, st. Efremova, 8
- Telephone: 8–800–200–90–58
- Website : www.npf.uralsib.ru
- License number: 361/2
- Number of clients served: 92 thousand.
- Volume of savings: 3.88 billion rubles.
- Average annual profitability: 9,24%
- Reliability level (HRA): AA (very high reliability)
- Expert RA: A+ (very high reliability)
NPF Uralsib was created in 2000 by the financial group of the same name. Initially, it specialized in servicing employees of the founding companies; currently, services are provided to everyone. They can be used by individuals and employers. The Uralsib Fund is one of the largest in the country; its structure includes more than a thousand service centers located in various regions. More than 600 people receive pensions under supplementary insurance contracts, and about 500 people receive mandatory pensions.
Foundation history
The non-state pension fund Uralsib was registered at the end of 2000. The initial purpose of its creation was to create a corporate pension for employees of the financial structure of the same name, which included one of the largest banks in the country.
In 2007, the fund began to actively work in the field of compulsory pension insurance and offer non-state pension programs for citizens. This activity was carried out on the basis of a perpetual license issued by the Central Bank.
By 2021, NPF Uralsib was among the top 10 largest non-state funds in terms of pension reserves. In addition, the organization was financially stable, which was confirmed by high ratings from expert agencies.
There was a fund website on the Internet, where you could find out all the necessary information about it, as well as take advantage of the opportunity to register in your personal account.
Reference! The site is currently unavailable.
Information about the fund
The founding date of the non-state pension fund URALSIB is December 26, 2000. Initially, the fund positioned itself as a corporate fund and was intended to provide pensions for employees of the bank of the same name and is part of the URALSIB financial corporation, which is the sole founder of this NPF. Activities on pension programs for the retail market were launched in 2007, and during this time the fund managed to achieve significant indicators.
Full name of the organization: UralSib CJSC NPF
In 2016, the Uralsib fund was merged with the Future fund. NPF Future is the new name of the pension fund Blagosostoyanie, which includes, among others, Stalfond, NPF Our Future (formerly Russian Standard). All Uralsib clients are switching to the services of NPF Future.
The rating agency RAEX (Expert RA) changed the forecast for the reliability rating of NPF URALSIB to “stable”, confirmed the rating at A+ (a very high level of reliability) and withdrew the rating due to the fund’s refusal to maintain the rating. Previously, the rating had a “developing” forecast.
The National Rating Agency has withdrawn the reliability rating of NPF URALSIB CJSC due to the completion of the reorganization process in the form of merger with NPF FUTURE JSC. An exit rating is not assigned due to the cessation of the Fund's activities. The rating was first assigned to the Fund on December 22, 2010 at the level of “A+”. The last rating action was dated August 30, 2016, when the reliability rating was upgraded to “AA” with a stable outlook.
Registration and login to your personal account
New users can register an account and gain access to service management on the Future Foundation website.
The link to enter your personal account of NPF Uralsib is highlighted in orange. The registration function is available on the same page. To register on the website of NPF "Future", to which Uralsib was merged, you need to click the "Registration" button under the login form and fill out the fields:
- SNILS;
- data from the passport (number, series);
- FULL NAME;
- phone number;
- e-mail.
Next, you just need to agree to the transfer of data for processing and complete registration.
futurenpf.ru/personal/ - personal account of NPF Uralsib
You can log into your Uralsib personal account using your password and login. It is either a phone number, or an e-mail, or SNILS. If the access code is lost, you can restore it by indicating the SNILS number in the “Forgot your password?” section. After this, you will need to enter the verification code and wait for the password reset email.
Investment strategy of NPF Uralsib
Professional management of the fund's assets, safety and stability are the main principles when making investments.
As of December 31, 2014, pension savings were placed:
- in bonds – 54.23%;
- in state securities of the constituent entities of the Russian Federation – 12.38%;
- in deposits – 26.22%;
- in mortgage securities – 5.27%;
- the rest - to others.
According to the Central Bank of the Russian Federation, the yield on pension savings was 4.39%.
For pension reserves, the investment structure as of December 31, 2014 was as follows:
- 62.69% – bonds;
- 26.39% – government securities of the constituent entities of the Russian Federation;
- the rest - in different directions.
The return on pension reserves was 0.97% in 2014.
How to register in your personal account of NPF Uralsib
To complete the registration procedure, you can use the standard scheme. It is offered by most companies that offer their users a free personal account service.
Main stages of registration:
- Go to the main page of the site. At the top you will find the phrase “Personal Account”. You need to click on it. The user can log in either through a browser on a computer or laptop, or access it from a portable gadget - a tablet or smartphone.
- Indication of personal data. Last name, first name and patronymic, phone number, email address are needed to identify you and confirm that you are really a client of the company.
- Password, password confirmation either by SMS or email. Currently, two authorization schemes are in practice, which are periodically interchanged.
On average, it will take you no more than five minutes to complete the registration procedure in your personal account.
After completing registration, you can immediately log into your personal account and use the functionality. A personal account is designed so that a person can do what he needs without contacting a company representative.
The interface of the Uralsib NPF website is simple, and you don’t have to provide a lot of your data. Inside there are different sections and tools for convenience.
Statistics of NPF URALSIB
Statistics on NPO (non-state pension provision) as of 10/1/2013
- Pension reserves: 251 million rubles
- Number of participants: 32,775 people
- Pensions are received by: 539 people
- Pensions paid in the amount of: 3,035.76 thousand rubles
Statistics on compulsory pension insurance (compulsory pension insurance) as of 10/1/2013
- Pension savings: 3,620,264.94 thousand rubles
- Number of participants: 59,076 people
- Profitability (for 2012): 7.5%
Pension savings under the management of NPF URALSIB increased from every 1000 to 1915 rubles in 2005-2012.
Personal account of Uralsib Bank for individuals
The official website provides access to the Internet bank - a space for managing an account, loan, deposit or investment project. The following operations are available to all registered clients:
- Transfers by phone number using the Fast Payment System (FPS) without commission.
- Replenishment of cards, transfers from card to card.
- Paying off credit card debt.
- Interbank transfers in rubles using bank details without commission.
- Currency exchange at a special rate on weekdays.
At Uralsib Bank, online access to your personal account is available after mandatory registration on the service. Registration consists of several stages.
Profitability and reliability
The fund achieved its highest return over the past 8 years (from 2005 to 2012) in 2009 with 18% per annum. The minimum figures were obtained in 2008 (0%) and 2011 (0.60%). The total return for the specified period is 68.99%, the average annual return is 8.62%. For comparison, the Trust fund had an average return of 10.32% per annum.
Profitability of the pension fund URALSIB NPF in 2005-2012
Data on the profitability of UralSib CJSC NPF as of January 1, 2017, including information for the previous 10 years in comparison with the profitability of the Pension Fund of the Russian Federation:
Profitability of NPF Uralsib for 2014-2015 and previous years
The fund has not currently provided a profitability rating for 2016-2017, but the profitability indicator as of September 30, 2016 is known: it is 9.08%.
Investment portfolio structure for pension savings funds:
- 51.27% - bonds of organizations and enterprises of the Russian Federation
- 15.27% - state. securities of constituent entities of the Russian Federation
- 13.37% - bank deposits
- 8.96% - shares of organizations and enterprises of the Russian Federation
- 4.71% - real estate (mortgage-backed securities)
- 6.18% - other assets
- 0.24% - state. Russian securities
The management companies URALSIB, Kapital, Aton Management and Management Company Paribas Invest Partners are responsible for investments in the pension fund.
Profitability level
The total return of NPF Uralsib for 2005-2012 was 68.99%, the average annual rate was 8.62%. Like other organizations of this kind, the minimum indicators were obtained in the crisis years of 2008 and 2011. They amounted to 0% and 0.6% respectively. The maximum level of profitability was recorded in 2009 – 18% per annum.
As of 2015, the figure reached 14.5%. In 2021, the yield was last estimated before the merger and was 9.08%.
Several management companies are responsible for investing pensioners' savings. They invest in:
- Shares and bonds of enterprises and companies;
- Bank deposits;
- Government securities of Russian constituent entities;
- Mortgage papers and real estate.
The amount of pension reserves in the fund is growing at a good pace.
Features of NPF URALSIB
The non-state pension fund allows clients to transfer part of the contributions to form a pension for accumulation and receive additional profit through investing and other NPF strategies.
URALSIB opens an account in the name of the NPF participant to which he sends contributions. They can be deposited only in rubles at any frequency: monthly, once a quarter, once a year, once. Possible payment methods:
- Transfer to NPF through any bank;
- Deductions from wages through the accounting department of your employer;
- Depositing cash through the NPF cash desk;
- Postal transfer addressed to NPF.
Depending on the chosen scheme, money can be sent to a personal account or to several (in the name of different participants).
The agreement concluded with NPF URALSIB specifies the frequency and amount of contributions, the accumulation period, the procedure for receiving and the amount of a non-state pension, the accumulation strategy, the pension scheme, etc.
Find out the answers to the most frequently asked questions about the non-state pension fund URALSIB
Features and brief history of the fund
The non-state pension fund "Uralsib" is a stable and reliable organization that has been participating in the formation of future pensions for Russian citizens since 2000. This is the usual name of the fund, which is currently called NPF “Future”.
An important advantage of NPFs is the ability to invest in the funded part of a pension. Until the age or event associated with receiving pension payments occurs, the funds will be in circulation. That is, compared to the state structure, the size of the future pension can be increased many times over. Also, unlike the state pension formation system, which freezes replenishment of the funded part of the pension until 2023, this pension fund allows you to systematically replenish an individual pension account.
Also, a non-governmental organization benefits from wider investment opportunities over a government organization. Given the freezing of the formation of the funded part of the pension, newly-minted pensioners will not be able to receive dividends from investing. Investing in the funded part of the pension will continue to be available to former and new participants.
Another feature of the fund under consideration is insurance of the funded part of pensions. This guarantees the safety of the formation of pension savings in any critical situations in the country.
The non-governmental association provides the following insurance programs:
- personal well-being;
- reliable prospects;
- caring for parents;
- personal pensioner;
- pension as a gift.
Receiving non-state payments
NPF URALSIB provides two schemes: with registered accounts and joint ones. In the first case, one account is opened in the name of the future pensioner with the right of inheritance. In the second, it determines the names of the owners. In this case, inheritance rights do not apply.
With any option, you can choose the appropriate method for the timing of payments of non-state accruals:
- Lifetime;
- For life with inheritance (within the prescribed period);
- For a certain period of time (from 2 years);
- In a certain amount until the balance is exhausted.
Please note that the participant receives the right to receive non-state contributions from NPF URALSIB at the end of the accumulation period, upon retirement, upon a separate application or under other circumstances specified in the agreement.
Registration
Registration is available on the bank's official website:
- To do this, you need to follow the login link to Internet banking.
- You can register in the system using your bank card number or credit agreement number. The registration form opens after clicking on the appropriate link on the page with your login and password.
- All fields of the form must be filled out. The login and password are assigned last - at the final stage of registration.
Management via Personal Account
Each participant has the right to access the Personal Account of NPF URALSIB. To do this, you need to request a login and password, which can be done at the stage of signing the contract or later, if the need arises.
In the Personal Account, the user can see:
- Date of account opening, its number;
- Last name, personal data;
- Estimated retirement date;
- Pensioner ID number (if available);
- The number of your agreement and the date of its conclusion;
- Addresses and details for transfers;
- Deduction option, profitability strategy;
- Amounts of receipts;
- Transfer sizes;
- Profitability from investing your funds;
- Transfers to other funds;
- Payment of pension.
The NPF personal account will help you find out the latest information on your pension account
So, in your Personal Account you can get general information and details on the transactions performed: day, amount, direction. In your Personal Account you can control your savings, monitor the increase in profitability and perform some simple operations.
Please note that after NPF URALSIB joined the FUTURE Fund, all passwords and access were retained. The address for accessing your Personal Account has changed, but the tools, interface and functionality remain the same. There is no need to change passwords or obtain new ones.
NPF "UralSib": login and registration in your personal account
Clients of NPF UralSib who used their personal account can continue to log in using their old data. New users will need to register by filling out a short questionnaire. Here you will need to provide personal information:
- Passport details;
- SNILS number;
- Create a strong password.
After filling out the form, it is important to activate your account. To do this, the system will send a special link to the future user’s email.
Personal account features
Your personal account provides a number of standard features:
- View current information. For example, your personal account will display your name and the status of your current position in the company. You can view the characteristics in the relevant sections.
- Management of functions and tools. Connecting, disabling functions, managing capabilities and much more - all this can be done in your personal account.
- Navigate through sections and receive up-to-date information, possibly news, notifications.
- Replacing data, entering other information for correct display and use of company capabilities.
The capabilities of the Uralsib NPF personal account may change periodically - this depends on the changes and innovations that periodically occur in the company.
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