JSC NPF "Safmar" 1 out of 5. Ratings: 1.

The non-state pension fund Safmar was founded in 2004. The headquarters of the organization is located in Moscow, and the fund itself belongs to one of the largest groups in the field of industry and finance in our country - the Safmar group. Details of the activities of NPFs in the field of pension insurance and provision will be discussed below.

Official website of NPF Safmar

The organization has a well-developed website, which is located at www.npfsafmar.ru. The successful provision of services in the areas of compulsory pension insurance and non-state pension provision, as well as the merger of several funds, led to the formation of an impressive client base - more than 2.3 million people.

The fund manages over 200 billion rubles of pension assets. The fund's participation in the system of guaranteeing the rights of insured persons makes it attractive among potential clients.

The main page of the official website has a navigation menu with all the necessary sections - from the general information block to the personal account service. The latter allows you to get timely access to your pension account, monitor its growth, and control the flow of funds.

Only participants in the compulsory pension insurance program, SNILS, can register. You will also need to enter your email address and mobile phone number (if available).

After confirming your registration, you will have access to all important information regarding your future pension.

You can also find a convenient pension calculator on the website, which will allow you to calculate the amount of future non-state payments. The “Online Financier” program, presented on this same page, is a good financial product from NPF Safmar.

The advantages include the accrual of income from investment programs and the opportunity to receive a social tax deduction. In addition, the client can determine the size and frequency of deductions independently. Monthly contributions will allow you to accumulate significant financial wealth by the time you retire.

The fund also offers corporate programs, which will come in handy for many enterprises that want to centrally provide future pensions to their employees.

Society

Drawing up a non-state pension provision (NPO) agreement, opening and replenishing an account on the Fund’s website https://www.npfsafmar.ru/financier/ takes a few minutes. After concluding an NGO agreement, the account can be replenished using a bank card in your personal account on the Foundation’s website. For automatic replenishment, you can connect.

The minimum amount for opening an individual pension account is 2 thousand rubles, the minimum replenishment amount is 1 thousand rubles, the frequency of contributions is chosen by the client himself.

For clients, transferring funds from a card of any bank to an individual pension account opened with the Fund will be free.

The service is available to both existing clients who are already forming a funded or non-state pension at NPF Safmar, and to people who have not previously been served by the Fund.

To conclude an agreement with the Fund, a person only needs to indicate his passport details, SNILS pension insurance certificate number and registration/residence address. The Fund will remotely identify the client and offer to review the agreement - the whole process takes a few minutes. An additional advantage of NGOs is tax benefits - citizens who make contributions to a non-state pension have the right to a social tax deduction. The maximum amount of contributions for which a deduction is provided is 120 thousand rubles per year, respectively, from these contributions you can return 15,600 rubles.

The launch of online sales became possible thanks to the Fund’s connection to the Interdepartmental Electronic Interaction System (SMEI), which made the procedure for remote identification of clients possible. SMEV is an information system that allows federal, regional and local authorities, banks, non-state pension funds and other system participants to quickly exchange data.

“Time and money are the main resources for many of us. Our goal is for our clients to save their time and money. This is the meaning of our online product, and we are confident that this is why it will be in demand,” says Denis Sivachev, General Director of NPF Safmar. — In Russia, it is customary to talk about the availability of loans, but meanwhile the issue of accessibility of savings is no less relevant. Many of our compatriots believe that their income does not allow them to save, especially for future retirement. Many people prefer not to think about how they will live in old age for as long as possible, and at the same time do not count on a decent pension from the state. We want to change this attitude in society. First: savings can be affordable! Start with two thousand rubles. The time remaining until retirement and the level of savings a person can make from his salary are the foundation of his future retirement. Second: we are confident that an individual pension account will gradually become the norm in Russian society. People see that the capabilities of the state pension system are limited, so gradually the approach to the formation of pensions begins to change in society, there is an awareness that we need to think and plan in advance what standard of living and income will be after retirement.”

Reliability rating of NPF Safmar

The Central Bank of the Russian Federation summed up the results of the activities of the Safmar fund as of the second quarter of 2021. Among 66 participants, the fund took worthy places, which demonstrates the reliability of the financial organization:

• first place among the top non-state pension funds (criterion - the size of the average compulsory pension account);
• fifth place in total savings;
• sixth place in terms of number of clients served.

Thus, the fund shows serious results, which indicate confidence in it. According to expert assessment, the organization’s financial reliability rating is the highest – A++.

This fact suggests that the fund will not close overnight, and you can trust it with your pension savings. For potential clients, such information is important because it allows them to decide whether it is worth concluding a pension agreement.

Participation of NPF "SAFMAR" in ratings

Reliability ratings are assigned to non-state pension funds if they have an agreement with an authorized agency and provide the information required for the calculation methodology. Since 2008, SAFMAR has received ratings from, which is considered the 2nd most important rating in the Russian Federation. The NPF did not participate in the assessment of the industry leader, the National Rating Agency.

Fig.2. Information insert with the company's rating at the beginning of 2017

Table 5. History of assigning a reliability rating from Expert RA from 2008 to December 2021. Source: raexpert.ru

Despite the absence of an agreement between the company and the NRA, the fund annually participates in rankings put forward by the company.

Table 6. Places of NPF SAFMAR in rankings from the National Rating Agency based on the results of the 1st quarter. 2021. Source: ra-national.ru

Chart 6. Market share of NPF "SAFMAR" in comparison at the time of purchase by Gutseriev's group 4 sq. 2015 and 1st quarter 2021. Source: ra-national.ru

For reference! Traditionally, the fund is inferior in rankings to such structures as: NPF Sberbank, GAZFOND Pension Savings and Lukoil-Garant.

Fund returns by year

The profitability of any non-state pension fund largely depends on the current situation in the financial market. And we are talking about both debt and stock markets. The debt market is subject to a reduction in the key rate of the Central Bank, which entails a decrease in the profitability of each non-state fund.

Negative dynamics have been observed this year in the stock market as well. There are many reasons for this, but, first of all, the rapidity of events taking place in the banking sector. Due to the outflow of part of the capital, constant sanctions and the slowdown in the country’s economic development, positive dynamics are being replaced by negative ones.

But this is a common occurrence - by such indicators one can judge the real state of the economic sector. So far there is no growth trend, but the picture may change.

NPF “Safmar” cannot be called high profitability. Although clients claim that pension savings are still increasing. At the end of last year, the profitability of NPFs was able to overtake the 2.5 percent inflation rate and amounted to 3.8%.

If we do not take into account the payment of remuneration to all management companies with which the fund cooperates, then the result reached 4.6%. The placement of pension reserves gave a yield of 4.3%, taking into account the remuneration paid.

Reliability and stability of increasing future pensions is exactly what pensioners are interested in. The period of financial recession this year may well give way to growth next year.

Rules for submitting applications to NPF Safmar

All the features of submitting applications can be found on the official website of the fund in one of the menu sections - “Submit an application”.

Depending on what exactly the client needs (appointment of pension payments, notification of changes in personal data, etc.), a package of documents must first be prepared. What exactly should be included in it can be found in the corresponding lists (there are 14 of them).

Applications can be submitted in person or through a legal representative. There are several ways to submit:

• by mail (the authenticity of the documents must be confirmed by a notary);
• in the fund's offices;
• through partners, at Raiffeisenbank branches (pre-submission of an electronic application is required).

If we are talking about assigning payments, then after accepting and reviewing the documents, a written response is sent to the client by email. If the paperwork is completed correctly, no later than a month after the decision is made, it will be possible to receive the first amount of funds.

NPF Safmar – login to your personal account

Authorization procedure for a registered user:

• Open the official website of the fund: https://www.npfsafmar.ru/;
• Click the “Personal Account” button;
• Enter your login and password;
• Receive an authorization code on your phone and enter it in the specified field;
• Click “Login”.

You can log in to your personal account through the ESIA if you have a verified account on the State Services portal. To do this, click the appropriate link on the page https://my.npfsafmar.ru/client/auth.

How to find out your pension accrual

All necessary information about pension accruals and account status can be found by contacting the office directly, by calling the hotline or using the “Personal Account” service, which is located at client.npfsafmar.ru. The last method is very convenient, since it can be implemented without leaving home.

Access to your personal account is available to registered clients. Moreover, at the moment, the registration procedure is available only to participants in compulsory pension insurance. Clients in the field of non-state pension provision will be able to register a little later, as stated on the organization’s website.

How to receive the funded part of your pension

The packages of documents for assigning payments for the funded part are different if we are talking about submitting an application independently or through your legal representative. All necessary information on this issue is presented in Lists 1 and 2, respectively.

As soon as the necessary papers have been prepared, you can contact NPF Safmar - during a personal visit, by mail or through the fund’s partners.

If all documents are completed correctly, a notification that the application has been accepted for consideration should be sent to the post office within 5 business days.

For funded pensions, the decision must be made within 10 days, after which the NPF again sends a response by mail. One month is the deadline during which payments for the funded part of the pension must begin.

Important! The time for the fund to fulfill its obligations to the client is counted from the moment the corresponding decision is made.

Safmar Foundation office addresses

The location address of JSC NPF Safmar is Moscow, Serp i Molot Zavoda proezd, building No. 10. The organization's head office is located on the 11th floor in the Integral business center, located at this address.

After the final reorganization of several non-state foundations, the Education and Science Foundation became a branch of Safmar. This happened in September 2021. Now the client can also contact the address: Leninsky Prospekt, building No. 42, building 2. There is also a territorial branch in Saratov.

Background information about NPF "Safmar"

Table 1. General information about the fund. Source: npfsafmar.ru

JSC NPF SAFMAR was created in 2004 as one of the activities of the Raiffeisenbank financial group, and until 2015 remained the property of the said corporation under the name NPF Raiffeisen. As a result of the sale to the group, the fund received a current name and significantly increased its performance. During its operation under the current management, 3 more non-state pension funds were added to the company. As of March 31, 2018, the company had placed RUB 188,356 million. pension savings and 8,812 million rubles. reserves.

Fig.1. Foundation advertising calendar

Fund hotline number

For all questions, you can contact the hotline: 8-800-700-80-20 and +7 (495) 777 9989. A call center specialist will promptly advise on pension issues. Calls are accepted every day from 8.00 to 20.00.

In general, NPF Safmar is one of those organizations that you can trust with your pension savings. The fund's profitability changes depending on the situation on the financial market, but this does not change the overall positive trend in its development.

If you want to invest in something other than the top non-state pension funds in our country, you should pay attention to the fund considered.

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73 ratings, average: 2.62 out of 5)