What kind of reviews does NPF Rosgosstrakh receive? This question interests many citizens. After all, the question of choosing a fund to which you can entrust your pension savings worries many people in Russia. You can’t trust all such organizations! Somewhere there are scammers, and pension funds that are simply not the most honest. Therefore, you have to pay attention to the opinions of customers and employees of organizations. What is Rosgosstrakh? What are the pros and cons of the fund? After all, can you trust this corporation? All this will have to be sorted out further.
Focus
The first thing you should pay attention to is the activities of the organization. Perhaps she will no longer inspire confidence among the population. Fortunately, Rosgosstrakh is doing well in this area.
We will be dealing with the most ordinary non-state pension fund. This is an organization where citizens transfer funded portions of pensions. There they will be stored until your retirement age. And then from the personal account that you had in this fund, you will be paid the funds accumulated over the entire period. No deception, transparent activities. And for this, NPF Rosgosstrakh earns only positive reviews.
In addition, this company offers not only storage, but also the increase of money. Albeit in small quantities. So you can contact us here. This is what some clients assume.
Customer Reviews
Of course, everyone will decide for themselves whether they should cooperate with NPF Rosgosstrakh. Customer reviews about it are quite contradictory, and to be completely accurate, the overwhelming majority of negative reviews are still. If we talk about positive comments, then users chose this company only for the reason that it has been operating in the insurance services market in Russia for a long time and has significantly increased its capital over the many years of its existence. Among the comments you can also find reviews of gratitude to the employees of Rosgosstrakh.
Now about negative opinions. You can find several comments online in which users note that they did not become clients of Rosgosstrakh of their own free will. That is, they had previously used the services of other NPFs, but at one point received notifications that all their pension savings had been transferred to Rosgosstrakh. Some believed that they could have signed the agreement when, for example, they took out a medical policy or compulsory motor liability insurance. In addition, there are users who note that agents from the insurance company literally deceive people into signing an agreement to transfer the funded part of their pension to the NPF Rosgosstrakh.
To summarize, the non-state pension fund Rosgosstrakh is indeed a large enterprise and a reliable financial partner. Over the 15 years of its existence, it has won 3,000,000 clients, which already speaks of its reliability; as for profitability, it is in any case higher than in the state.
Offers to work
What kind of reviews does NPF Rosgosstrakh receive as an employer? This is far from the most important point, but it does exist. Rarely does an unscrupulous employer provide quality services to the public.
In principle, our current company in this sense is doing differently. The thing is that employees highlight both the pros and cons of Rosgosstrakh. Advantages include earnings, benefits package, working conditions, stable work schedule, and timely payments. The downside is a constant flow of clients and tension in the workplace. But this is not as important as the company's main drawback.
What are we talking about? The fact that Rosgosstrakh forces all its employees to become part of the organization. That is, transfer the funded part of the pension. Various pretexts are used - simple dialogues, intimidation up to and including dismissal. For this, NPF Rosgosstrakh does not earn the best reviews. Why does such a large organization force people to make deposits? Clients themselves should be drawn to it.
Ratings
Please note - despite the fact that the staff is not too happy with their employer, the fund still has a good rating in Russia. This organization has existed in the country for a long time. It is supported by the bank of the same name, which awakens customer confidence.
NPF Rosgosstrakh has a high rating. The company is among the top ten non-state pension funds in the country. This means you can entrust your savings “for old age” to this organization. In any case, this is the opinion of many citizens in Russia.
Another point to consider is the level of the trust. We can say that this is something like a trust rating, stability and reliability at the highest level. According to the modern scale, its indicator reaches A++. This is a strong argument for trust. In any case, you can be sure that the fund will not be closed, and it will also cope with the competition. Its stability is guaranteed. This is extremely important for many investors. Confidence in the future is what our organization offers today!
Non-state pension fund
The non-state pension fund “Rosgosstrakh” is an organization that interests many. Before starting cooperation with her, many study reviews from real clients of the company. They help assess the integrity of a corporation. What can you say about the mentioned NPF?
About activities
For example, in the field of activity. There is nothing specific here. The thing is that Rosgosstrakh has been insuring the population for a long time. Including pensioners.
In other words, this company is a place where you can form the funded part of your pension. Money is not only saved here, but also multiplied. There is nothing suspicious about this. Rosgosstrakh does not conduct any shadow politics. This is the most common non-state pension fund, but with its own characteristics.
Spreading
It is worth noting that the company being studied is not a scam. In any case, there is every reason to talk about the integrity of the organization. The non-state pension fund “Rosgosstrakh” is very large. It has branches throughout Russia. And this does not leave the population indifferent - even in the smallest city you can find a branch of the fund.
Where is the head office? Where should I directly file complaints? The non-state pension fund “Rosgosstrakh” has the following address: Russia, Moscow, Obruchev Street, building 52, building 3.
It is worth paying attention to the fact that the insurance company “RGS” itself appeared a long time ago. But a non-state pension fund from her in Russia opened in 2002. It was from that time that the organization began to spread throughout the country. And quite successfully.
For every company its rating is important. The higher it is, the more attention of potential clients will be attracted. What is the rating of the non-state pension fund “Rosgosstrakh” in Russia?
This company is among the 10 leaders of non-state pension funds in the country. Different sources provide a variety of information regarding the fund's position. For example, based on the results of 2013, we can conclude that Rosgosstrakh is in 5th place in the ranking. And, as a rule, it does not fall below this mark.
In any case, the organization under study is one of the leaders of non-state pension funds. There is every reason to trust the corporation. Not the best place to save pensions, but it is often considered by the population.
The non-state pension fund “Rosgosstrakh” has a good profitability. Although some reviews indicate that the return on cooperation with the company is not very high.
According to 2015 data (this is currently the only relevant information that is publicly available), you can see that the fund’s return is 7.5%. Not too much, but it's more than many similar organizations offer.
Clients note that “RGS” is suitable for increasing pension savings, but you should not expect significant changes. The proposed 7-7.5% yield is an indicator taking into account inflation. This fact must be taken into account. Accordingly, there is always a chance of obtaining higher returns.
Trust level
Another very important indicator is the level of public confidence. It indicates how strongly people believe in the integrity and reliability of an organization. In this area, the non-state pension fund “Rosgosstrakh” has high performance.
Today, “RGS” has a level of trust characterized as A++ (or AAA). Stands for “Supreme Trust”. This means that the population considers the organization being studied reliable and stable. This is precisely what serves as proof that Rosgosstrakh is among the dozen leaders of non-state pension funds in the country.
Remote control
But not everything is as good as it seems. What kind of feedback does the non-state pension fund Rosgosstrakh receive from its clients? Despite all of the above, opinions remain twofold. Why?
For example, due to the possibility of remote account management. “RGS” offers its clients “Personal Account”. It allows you to monitor the status of your personal account and order statements from it without leaving your home. Such opportunities do not leave anyone indifferent. It’s very convenient - at any time you can easily get all the information you need about your account and pension savings.
Nevertheless, he speaks negatively about the not yet fully streamlined work of the “Personal Account”. Many people note that authorization causes some difficulties. And you have to wait a very long time for ordered extracts. This is why you can see quite a lot of negative, angry reviews about the organization. Nevertheless, there is a “Personal Account” and it is functioning. They are trying to debug this feature.
Cooperation
But that is not all. Some reviews indicate that the non-state pension fund Rosgosstrakh is a scam. Where did this statement come from? How justified is it?
The thing is that some investors indicate that they unexpectedly discover the funded part of their pension in the NPF “RGS”. And such situations suggest the idea of fraud. No notifications, conclusion of contracts or other contact with the client! Everything is done “quietly”.
Lawyers often comment on this problem. From a legal point of view there are no violations. Why? All this is due to the fact that “RGS” enters into cooperation agreements with different employers. And all subordinates in a particular company automatically transfer their funded pension to the fund. It is the boss who should report this, not the NPF.
This means that all claims of fraud are unsubstantiated. Otherwise, the fund’s license would have already been taken away. This is a modern measure to combat the abundance of unscrupulous non-state pension funds in Russia.
Conclusion
What conclusions can be drawn? It’s clear what kind of feedback Rosgosstrakh (non-state pension fund) receives. this organization is also no longer a secret.
This company is a good place to save and increase pension savings. Despite the very good statistics, reviews from some clients make us think once again about the integrity of the company.
Lawyers say there is no need to be afraid of angry opinions. After all, “RGS” has existed in Russia for a long time. The Fund is included in the top 10 best NPFs for a reason.
You can consider this organization for the formation of pension savings, but taking into account the negative factors described by clients.
Recoil
True, you shouldn’t rush to come here. After all, the fund is only among the top ten leaders in preserving pensions of the population. This means that sometimes you can find yourself a more reliable and good company.
One of the indicators that attracts the population is profitability. The higher it is, the better. After all, you are initially promised not only to maintain your pension contributions, but also to increase them to some extent. Therefore, the profitability of NPF Rosgosstrakh plays an important role.
Here the situation is also ambiguous. After all, the fund promises you one thing, but in practice it turns out completely different. The organization assures that your cash flow will increase by approximately 9% per year. True, despite the high rating, the NPF does not stand out too much in terms of profitability. After all, in reality you will receive only about 4% profit per year. The rest is eaten up by inflation.
Because of this phenomenon, some potential investors claim that you are simply being deceived. To some extent this is true. In any case, nothing surprising. A similar picture emerges for most non-state pension funds. This means that Rosgosstrakh does not stand out in any way in terms of its shortcomings.
In principle, if the stability of the company’s operation is more important to you than profitability, then you can trust the fund with your money. After all, the company’s rating itself is high, as is its reliability.
NPF
What kind of reviews does NPF Rosgosstrakh receive?
This question interests many citizens. After all, the question of choosing a fund to which you can entrust your pension savings worries many people in Russia. You can’t trust all such organizations! Somewhere there are scammers, and pension funds that are simply not the most honest. Therefore, you have to pay attention to the opinions of customers and employees of organizations.
What is Rosgosstrakh? What are the pros and cons of the fund? After all, can you trust this corporation? All this will have to be sorted out further.
Focus
The first thing you should pay attention to is the activities of the organization. Perhaps she will no longer inspire confidence among the population. Fortunately, Rosgosstrakh is doing well in this area.
We will be dealing with the most ordinary non-state pension fund. This is an organization where citizens transfer funded portions of pensions. There they will be stored until your retirement age.
And then from the personal account that you had in this fund, you will be paid the funds accumulated over the entire period. No deception, transparent activities.
And NPF Rosgosstrakh earns only positive reviews for it.
In addition, this company offers not only storage, but also the increase of money. Albeit in small quantities. So you can contact us here. This is what some clients assume.
Your feedback
- Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
- All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.
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Offers to work
What kind of reviews does NPF Rosgosstrakh receive as an employer? This is far from the most important point, but it does exist. Rarely does an unscrupulous employer provide quality services to the public.
In principle, our current company in this sense is doing differently. The thing is that employees highlight both the pros and cons of Rosgosstrakh.
Advantages include earnings, benefits package, working conditions, stable work schedule, and timely payments. The downside is a constant flow of clients and tension in the workplace.
But this is not as important as the company's main drawback.
What are we talking about? The fact that Rosgosstrakh forces all its employees to become part of the organization. That is, transfer the funded part of the pension.
Various pretexts are used - simple dialogues, intimidation up to and including dismissal. For this, NPF Rosgosstrakh does not earn the best reviews.
Why does such a large organization force people to make deposits? Clients themselves should be drawn to it.
And
Please note - despite the fact that the staff is not too happy with their employer, the fund still has a good rating in Russia. This organization has existed in the country for a long time. It is supported by the bank of the same name, which awakens customer confidence.
NPF "Rosgosstrakh" has a high rating. The company is among the top ten non-state pension funds in the country. This means you can entrust your savings “for old age” to this organization. In any case, this is the opinion of many citizens in Russia.
Another point to consider is the level of the trust. We can say that this is something like a trust rating, stability and reliability at the highest level. According to the modern scale, its indicator reaches A++. This is a strong argument for trust.
In any case, you can be sure that the fund will not be closed, and it will also cope with the competition. Its stability is guaranteed. This is extremely important for many investors.
Confidence in the future is what our organization offers today!
Channels of connection
Citizens can always get the information they are interested in by calling a toll-free hotline: 8-800-200-0-900 or 0530 . You can also order a call back through the fund’s website by indicating your phone number, full name and a time convenient for the conversation.
To date, more than 3 million citizens have already transferred their savings to the Rosgosstrakh Pension Fund, and since 2012, more than 800 million rubles have been paid to clients, which indicates the high confidence of citizens in this fund and its stable development.
Didn't find the answer to your question? Find out how to solve exactly your problem - call right now:
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In August 2021, NPF RGS became part of the joint fund NPF "LUKOIL-GARANT".
All obligations of NPF RGS under agreements on compulsory pension insurance/non-state pension provision were assumed by NPF "LUKOIL-GARANT". All clients of NPF RGS have been transferred to NPF “LUKOIL-GARANT” and can use any services on the website and in the Fund’s Personal Account.
In December 2021, NPF LUKOIL-GARANT was renamed NPF Otkritie.
In August 2021, the legal procedure for merging three large non-state pension business funds of Otkrytie Bank was completed: JSC NPF RGS and JSC NPF Electric Power Industry joined JSC NPF LUKOIL-GARANT. In December 2021, JSC NPF LUKOIL-GARANT was renamed JSC NPF Otkritie. After reorganization and renaming, the combined fund occupies one of the leading positions in the pension market.
Recoil
True, you shouldn’t rush to come here. After all, the fund is only among the top ten leaders in preserving pensions of the population. This means that sometimes you can find yourself a more reliable and good company.
One of the indicators that attracts the population is profitability. The higher it is, the better. After all, you are initially promised not only to maintain your pension contributions, but also to increase them to some extent. Therefore, the profitability of NPF Rosgosstrakh plays an important role.
Here the situation is also ambiguous. After all, the fund promises you one thing, but in practice it turns out completely different. The organization assures that your cash flow will increase by approximately 9% per year. True, despite the high rating, NPF does not stand out too much in terms of profitability. After all, in reality you will receive only about 4% profit per year. The rest is eaten up by inflation.
Because of this phenomenon, some potential investors claim that you are simply being deceived. To some extent this is true. In any case, nothing surprising. A similar picture emerges for most non-state pension funds. This means that Rosgosstrakh does not stand out in any way in terms of its shortcomings.
In principle, if the stability of the company’s operation is more important to you than profitability, then you can trust the fund with your money. After all, the company’s rating itself is high, as is its reliability.
“They married me without me”
But there are also frankly negative aspects that upset potential investors. Some citizens, checking where their funded portions of their pensions are, discover that they are members of Rosgosstrakh. Although in fact they did not enter into any agreements with the company.
As practice shows, there are such surprises in every non-state pension fund. Why does this happen? For example, Rosgosstrakh enters into contracts with employers. They, in turn, transfer all their subordinates to the fund. Their consent is not required.
So nothing surprising. Plus, if you use the Rosgosstrakh bank, then automatically (and without notification) you become a citizen who will transfer his funded portion of pension contributions to the fund of the same name.
As you can see, everything is extremely simple to understand, although not too fair.
For this phenomenon, NPF Rosgosstrakh does not earn the best reviews. In fact, this is an illegal, shadow activity. Thus, some question the issue of cooperation with the corporation. But this is not such a compelling reason to refuse deposits.
Personal Area
The site also provides a service for using a personal account. This service is quite convenient to use, as it provides many opportunities regarding managing funds, conducting operations, and tracking the savings portion. To start using your personal account, you need to create an account on the site, then come up with a login and password, and register.
Possibilities
your personal account contains functions that manage funds remotely, while sitting at home. Now it is possible to check your balance, make deposits online, and track profit statistics.
“They married me without me”
But there are also frankly negative aspects that upset potential investors. Some citizens, checking where their funded portions of their pensions are, discover that they are members of Rosgosstrakh. Although in fact they did not enter into any agreements with the company.
As practice shows, there are such surprises in every non-state pension fund. Why does this happen? For example, Rosgosstrakh enters into contracts with employers. They, in turn, transfer all their subordinates to the fund. Their consent is not required. So nothing surprising. Plus, if you use the Rosgosstrakh bank, then automatically (and without notification) you become a citizen who will transfer his funded portion of pension contributions to the fund of the same name. As you can see, everything is extremely simple to understand, although not too fair.
For this phenomenon, NPF Rosgosstrakh does not earn the best reviews. In fact, this is an illegal, shadow activity. Thus, some question the issue of cooperation with the corporation. But this is not such a compelling reason to refuse deposits.
Eternal problems
But if you personally apply for an agreement with the fund, there will be no problems. At least at the very beginning. An agreement will be signed with you, which spells out all the specifics of cooperation. Nothing suspicious.
But customer dissatisfaction still occurs. In particular, due to the fact that the (NPF) has a “Personal Account” on its official website. It is designed specifically to obtain information about the status of your personal account. Only, as customers note, some kind of authorization problems constantly occur with this component. It's frustrating having to go to the pension fund in person to get information.
So the Rosgosstrakh (NPF) organization has a “Personal Account” for user needs, but only in words. It doesn't actually work. Were you able to log in and even request an account statement? Then you will either have to wait a long time for it, or you will not receive this information in virtual format at all. Not such a significant minus, but it makes you wonder: is a large organization really not capable of getting the site working?
Payments
Despite the fact that the rating of NPFs in terms of profitability is average, and the level of trust is the highest, negative aspects are still present in Rosgosstrakh. For example, in relation to issues related to the payment of funds. What you should pay attention to? The fact that pension contributions will be given to you reluctantly and with huge delays of several months.
It turns out that you can store money in the fund, but taking it out is very problematic. This puts customers off. Perhaps, of all the significant shortcomings, this one can be considered a good reason to refuse cooperation.
Summarizing
What do we end up with? NPF "Rosgosstrakh" earns various reviews. There are some good ones and some not so good ones. In terms of its integrity, this organization is not much different from other non-state pension funds.
Can you trust Rosgosstrakh? With great caution. In any case, we can say for sure that the company will not close, it is holding steady among other pension funds. Should I transfer my pension savings here? Only if you have no other options in mind.
Rating and profitability
There is no doubt that the company occupies a leading position in the ratings of non-state pension funds. It is also worth noting that the rating of NPF Rosgosstrakh has not decreased for a long time and this company consistently occupies fifth position, which means it is among the top five. Today it is second only to NPF Sberbank, Lukoil-Garant, NPF Future and Gazfond.
So, let's look at the main indicators that are used to form the rating:
- The number of insured persons is more than 3 million people.
- The authorized capital is 164 billion rubles.
- Distribution area: more than 3,500 branches throughout Russia.
- The profitability level for the entire period was 86.6%.
Please note that the average yield of Rosgosstrakh NPF is from 8 to 11% per year.
The reliability of any non-state pension fund is determined depending on the distribution of investments. In simple terms, the more profitable a company can allocate investment capital, the more profit it will receive, and, accordingly, so will its clients. How is investment capital distributed in Rosgosstrakh: more than half of the investments are bank deposits, one quarter are bonds of the country's business communities, another 22% of funds are placed in bank accounts, the rest, less than one percent, are government securities and shares of business companies.
By the way, if we talk about the reliability of non-state pension funds in general, they are regulated by a number of government organizations, including the Central Bank and the Tax Inspectorate. In addition, all investment savings are insured by the DIA agency.
The non-state pension fund "Rosgosstrakh" offers private clients 2 pension programs: compulsory insurance and non-state provision. You can view all the information on them in the “Rosgosstrakh Pension” section of the official website of the insurance company. Activating the personal account service of NPF RGS makes it possible to check pension savings via the Internet.
