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Information about the fund

The fund has been working in the field of increasing pension contributions for 23 years. According to the management structure, the organization is a joint-stock company in which 100% of the shares belong to one participant - PJSC Bank FC Otkritie. The reliability of the fund is confirmed by the stable growth of clients and flexible investment policy.

By the beginning of 2021, 3.7 million people decided to cooperate with Lukoil-Garant, and the volume of pension savings entrusted to the fund reached 250 billion rubles (this is 4th place among all non-state pension funds). The company undertakes the obligation to preserve and accumulate the transferred funds. Since 2015, NPF has been participating in a program to guarantee the rights of the insured person.

JSC NPF Lukoil-Garant works with reliable management companies, and its analysts monitor all changes in the investment market. The accumulated profitability of NPFs for 2021 did not increase. But at the same time, the consolidated accumulated profitability of NPFs, starting from 2005, amounted to 175.1%, and the volume of payments for 2021 increased: for non-state pensions - by 6.11%, and for compulsory pension insurance - by 16.68%. According to the news in May 2018, the fund's rating was confirmed at the level of "AAA.pf" with the outlook renamed from "uncertain" to "stable".

The main goal of the company is to provide a good level of payments for a full life in retirement. The organization consistently occupies a leading position in various areas of work in the field of pension insurance and security. Thus, the fund has repeatedly received the “Financial Elite of Russia” award for the development and support of corporate pension programs. In addition, the company offers non-state and additional pension insurance services (co-financing).

NPF Lukoil Garant 2021

All NPFs must follow state laws, have permits to engage in their own activities, and provide reports to the state. This is one of the reliability factors that reduces the risks of transferring savings to a non-state fund.

• Tax benefits.
  Moreover, they are provided not only to citizens, but also to employers who make contributions. Money contributed to the fund is not taken into account when taxing the fund participant and the employer.
• Transparent activity.
  Fund participants can at any time receive data on their own accounts and find out how many contributions have been made and what income has been accrued.

The main disadvantages of participating in a non-state pension fund are:

• It is impossible to receive your money before the due date. Get
• Low level of income from investments. The percentage of capital increase in NPFs is usually very small (about 10 percent per year).

10 most reliable non-state pension funds

Ideally - for the entire duration of work. It is important that the NPF has been operating on the market for a long time.

After all, only the best were able to “survive” to this day.

Thus, out of 270 funds in 1998, only about 60 have survived by 2021.

So age is one of the main indicators of reliability. A good NPF simply must be reliable. And the longer he works and the better professionals speak about him, the higher the chances that his pension savings will not go down the drain.

Our rating of the reliability of non-state pension funds is based not only on reviews of real clients, but also on the opinions of professional rating agencies and the Central Bank, as well as taking into account the real benefits of non-state pension funds.

We have listed some of the necessary parameters in the table to make it easier for you to compare and choose the most suitable option for you.

NPF by profitability for 2021 according to the Central Bank

Savings Pension Fund "04.16 More details NPF "Titan" 08.83 More details NPF "AKVILON" 9 6746.38 More details NPF "Surgutneftegaz" 37 9846.92 More details NPF "VNIIEF-GARANT" 08.57 More details NPF "Korabel" 08.04 More details NPF "Socium" 308 7166.91More NPF Rostvertol9 1738.26More NPF Transneft48 8747.41More NPF Magnit228 4370.68 NPF Imperia07.93More NPF Aviapolis08.50More NPF AVTOVAZ07.63 More details NPF " Professional"20 5990.65 More details NPF Orenburg "Doverie"07.07 NPF "Pension-Invest"05.70 More details NPF "Atomgarant"08.86 More details NPF "SAFMAR"3 891 4456.76 NPF "NEFTEGARANT"1 473 14011.34 More details NP F " Dignity" 06.37 More details NPF "Pension Choice" 08.58 More details NPF "Doverie" 114 6792.40 More details NPF "Ingosstrakh-Pension" 05.37 More details NPF "APK-Fond" 010.19 More details NPF "NEFTEGARANT-NPO" 05.99 More details NPF " TRADITION"02.47More

non-state pension funds rating 2021

0 (32 3.19 out of 5) Loading.

0 (200 3.06 out of 5) Loading. 0 (36 3.06 out of 5) Loading. 0 (11 3.00 out of 5) Loading.

0 (6 3.00 out of 5) Loading.

0 (8 3.00 out of 5) Loading. 0 (2 3.00 out of 5) Loading. 0 (2 3.00 out of 5) Loading. 0 (2 3.00 out of 5) Loading. 0 (46 2.91 out of 5) Loading. 0 (7 2.86 out of 5) Loading. 0 (6 2.83 out of 5) Loading.

0 (38 2.82 out of 5) Loading. 0 (5 2.80 out of 5) Loading.

0 (5 2.80 out of 5) Loading.

0 (26 2.77 out of 5) Loading. 0 (6 2.67 out of 5) Loading.

NPF Lukoil Garant reliability rating 2021

This was confirmed by the Russian Pension Fund.

In this case, the procedure begins by contacting the fund office.

There you need to provide the following papers to enter information: Identity card A passport document is provided Insurance certificate The one that stipulates the presence of clients in the compulsory pension insurance system.

With regard to these assets, we are forced to make decisions based not only on the target financial result, but also on the strategy of the group (“Otkritie FC” - “Kommersant”) with these assets,” said Mr. Rudomanenko, answering a question about the sale of these stakes .

Last year, only thanks to the help of the Central Bank, clients did not suffer losses on their accounts.

NPF Lukoil-Garant - non-state pension fund - reviews

The monthly contribution is at least 1000 rubles, the accumulation period is at least 5 years.

Confident plan with a deposit of at least 6 thousand.

The recommended savings period is at least 5 years. Plan Caring for a loved one, the contract is concluded in favor of a person who does not have pension grounds, who becomes a participant in the fund. The minimum amount of contributions per year is not less than 12 thousand.

rubles, accumulation period of 5 years. Series Caring for children, the contract is concluded in favor of the child.

In this case, parents or relatives become investors, and the child becomes a participant. Upon reaching the age of majority, all rights under the contract are transferred to him; in the future, the child can independently make contributions.

NPF Lukoil-Garant

On the fund page, the calculator calculates future payments based on the entered parameters. If a person is not yet a client, then he can navigate the possible transfer of the funded part of the pension. It may be located in the Pension Fund or another non-state pension fund.

The resource is regularly updated, news and updates in the work of tools are published. The personal account has many functions for convenient interaction between the client and the fund.

The national rating based on customer reviews puts NPF in fifth place. The main issues that concern people are related to the security of pension investments, profitability and market share.

Lukoil-Garant consistently receives high marks in reliability ratings. The assignment of marks is carried out by organizations included in the register of rating agencies. Information for processing is taken from the Central Bank.

According to statistics from the National Rating Agency, the fund’s rating is “AAA” (maximum reliability). This does not include contracts concluded in 2013 and 2014.

Another organization involved in determining reliability is Expert RA.

NPF Lukoil is the guarantor of profitability and reliability

For this, it received the status of an extremely reliable company according to the Expert RA assessment system.

The fund retained its leading position in the ranking of the most profitable NPFs, as the largest and most stable company.

When choosing a company that will guarantee your well-being after retirement, you need to focus on the reliability rating of the NPF Lukoil Garant. This is an indicator of the financial institution’s ability to pay you the funded part of your pension.

The company's assessment and place in the ranking are determined by a competent agency.

NPF Lukoil Garant January 2021

The Fund’s break-even activity in 2021 is ensured by the transition to a more conservative strategy for managing pension portfolios, as well as financial support from the shareholder,” comments Denis Rudomanenko, General Director of JSC NPF LUKOIL-GARANT. It should be noted that over 13 years of work in the compulsory pension insurance system (from 2005 to 2021), the accumulated return on investment of pension savings is 175.10%, which is one of the highest indicators on the non-state pension fund market.

NPF Lukoil-Garant is one of the financially reliable and most stable non-state pension funds in Russia.

people are clients of Lukoil-Garant NPF, the total volume of financial assets of which will soon exceed 100 billion.

NPF spent money on consolidating the “opening” funds

The pension funds of FC Otkritie were recapitalized by the Central Bank twice. At the end of last year, they were allocated assistance in the amount of 42.9 billion rubles, and in mid-2021 - another 32.3 billion rubles.

In addition, on the eve of the reorganization of FC Otkritie, Trust Bank (currently owned by the Central Bank, and at that time part of the Otkritie group) bought from them 13% of the shares of FC Otkritie for 40 billion rubles, which was later written off almost to zero (). Previously, the Central Bank stated that, using a deposit placed in Trust, this bank would buy problem assets from NPFs “in the amount of 24 billion rubles.” ().

“In addition to direct additional capitalization, some of the assets that do not fit into the fund’s updated investment strategy were partially sold into the market, but what was possible was sold onto the balance sheet of the bank of non-core assets (Trust Bank. — Kommersant),”— Mr. Rudomanenko said yesterday. Thus, assets worth 23 billion rubles were sold.

The bulk of them were

NPF Lukoil Garant: profitability rating, employee reviews

The figure significantly exceeds the figure of the state Pension Fund for the same years. According to statistics from the last year, the yield was 6.49%. With this indicator, the company managed to take 5th place among other well-known funds. It must be recalled that today Russians can independently decide which company to entrust their pension savings to.

This could be: Pension Fund - a state fund where, according to the standard, a percentage of the official earnings of workers is allocated. They work with the insurance part of savings, calculate pension amounts and make payments.

Also, government programs pass through the Pension Fund and are also implemented. The calculation is made as follows: if the contribution is 22%, then the Pension Fund works only with the insurance part - 6%. And the remaining 16% “falls” into the savings account.

So they can be transferred to another fund - a non-state one. NPF is a non-profit organization that provides social security to Russians.

NPF "Lukoil-Garant" - personal account (now NPF "Otkrytie")

Of these, 16% is the insurance part, and only 6% is the savings part, which the Russian can dispose of at his own discretion: leave it in the Pension Fund or transfer it to another fund.

Personal account “Lukoil-Garant” (Non-state Pension Fund) - provides ample opportunities to manage your savings.

The company has existed for more than 20 years and serves 3.5 million people.

Every year, 250 billion rubles are involved in turnover, and the company’s income is 175%.

articles Click on “Lock” What you will need to register:

1. Date of Birth.
2. Optional: passport or SNILS.

To receive an Advanced Profile, you must enter a valid phone number to which an activation code will be sent. Registration will end here.

About the non-state pension fund Lukoil-Garant in 2021

The Russian pension system is structured in such a way that one can count on the establishment of payments in a non-state format.

Existing companies offer different conditions for storing pension funds. But it is worth understanding what the features of working with PF Lukoil Garant are.

A person makes contributions to private pension funds, which receive profits from such investments.

Within its framework, there is both the opportunity to separately accumulate investments and transfer money from a state account to.

Lukoil Garant offers not only individual security.

Personal account of NPF Lukoil

To ensure transparency of all manipulations with pension savings and the convenience of insured persons, the Fund provides all information of interest to users through an online account. Only clients of the company can register in it by indicating their date of birth and SNILS number (or passport details). After this, you will receive a confirmation and password by email.

Authorization in a personal account for individuals is carried out through a password and login - most often this is the SNILS number without spaces or hyphens. If the user has lost his password data, he can request a new one through the recovery service. Entering incorrect data during authorization five times will block access to your account for 24 hours.

When registering, it is advisable to indicate your phone number, which should be recorded in the Foundation’s database. After a confirmation mobile message, the user will be assigned an extended profile. In this case, the client will have access to the following additional services of his personal account:

• draw up an individual pension agreement;
• fill out an application for a funded pension;
• request copies of your agreements and fund licenses, statements of the status of open accounts, certificates in form 2-NDFL and the amount of accrued non-state pension
• change or confirm personal data.

If difficulties or questions arise, the user contacts customer service through his personal account.

How to join

To transfer a funded pension, a future client must enter into an agreement with a non-state pension fund. To do this, you can contact the following structures with your passport and SNILS:

• any office of the Lukoil-Garant Foundation;
• branch of the Russian Pension Fund;
• MFC.

If a person has an account on the State Services portal, then the service of transferring to a non-state pension fund is also provided through it. After drawing up the agreement, it must be submitted to the Pension Fund by December 31 of the current year. The transfer of funds is carried out until March of the following year.

How to receive the funded part of your pension

If a person has reached retirement age (including early), he can apply for payment of accumulated funds and receive them:

• lump sum in the form of one amount;
• in the form of fixed amounts monthly for a limited period, but not less than 10 years;
• as a monthly pension until the death of the insured person;
• in the form of payment to the legal successors of the unspent savings of the deceased.

When submitting an application before reaching retirement age in the event of being assigned a disability group or in the event of the loss of a breadwinner, receiving the funded part of the pension is possible only in a lump sum payment.

There are several ways to apply for payment:

• when contacting a non-state pension fund in person;
• through your personal account with an extended profile;
• by mail to the following address - 300013, Tula region, Tula, st. Radishcheva, 8.

Please note that requests and documentation are sent to the specified address and not to the head office in Moscow. The application is filled out in the prescribed form, in accordance with paragraphs 4, 5 of Art. 36.28 of the Law of 05/07/1998 N 75-FZ; clause 16 of Rules No. 884n. In this case, you must provide the following documents:

• passport;
• SNILS;
• certificate of marriage or its dissolution or change of surname, if any;
• bank account details for pension transfer;
• pension certificate, if available.

If the client plans to start receiving a non-state pension (the grounds are similar to receiving a state pension), then the insured person needs to contact the fund. The following copies of documents are attached to the written application:

• passport;
• pensioner's ID;
• for other reasons - a certificate from the ITU, a certificate from the Pension Fund.

Activities

The joint-stock pension fund from the Lukoil company is engaged in attracting money from individuals in several areas. These include the following programs:

1. State pension co-financing project. The program operated from 2008 to 2015, and more than 15 million Russians became participants. There are no plans to attract new clients in 2021.
2. Non-state pension provision. Any Russian who wants to ensure a normal existence for themselves and their loved ones when they are of incapacitated age can become a participant in the program.
3. Corporate programs. Individuals working in the largest Russian companies are offered individual conditions for security after retirement.

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Participation in the Program of non-state co-financing of pensions

In 2008, the state opened a project for co-financing pension investments. Its essence was to provide ordinary Russians with the opportunity to increase investments set aside to provide for their disability. A citizen could invest money in any non-state pension fund, and the state was obliged to increase pension savings by 200% within 10 years. It was possible to become a participant in the program until January 31, 2015. The citizen made regular voluntary contributions to the funded part of the pension benefit to a selected non-state fund.

The following conditions for state participation in the co-financing program were provided:

• The minimum contribution from a citizen per year is 2 thousand rubles.
• Maximum accruals for voluntary pension savings from the state for the year - 12 thousand rubles.

There was no upper limit on the amount contributed by a citizen, but no more than 12 thousand rubles can be received from the state within the framework of a co-financing project. NPF Lukoil worked closely with the state on this project, actively attracting funds from citizens for the period 2008–2015. The money contributed by the person ended up in an individual account. If a citizen contributed 10 thousand rubles in a year, then the state added another 10 thousand rubles to this amount, savings increased by 20 thousand rubles per year.

Non-state pension provision

When entering a well-deserved retirement, a pensioner loses a significant part of his income. Many elderly citizens do not have enough money for treatment and other necessary expenses. In order to maintain the same standard of living and not suffer from a lack of finances, the legislation provides for the formation of a benefit, which consists of the citizen’s voluntary contributions to a non-state service along with mandatory pension insurance. A person can contribute funds in the following ways:

• monthly;
• quarterly;
• at one time;
• urgently (from 10 years);
• for life.

The frequency of contributions is negotiated with the employer. Using the calculator available on the organization’s official website, you can calculate the amount of payments for each month or quarter, depending on the person’s earnings and the planned period of retirement. Lifetime contributions form capital that can be received by the heirs or legal successors of a deceased Russian who saved money to provide for loved ones.

Corporate pension programs

The Lukoil Fund proposes that the largest Russian companies encourage employees to create additional savings for retirement. Organizations can use one of the following programs:

• "Gold Fund";
• "Strategic personnel";
• "Corporation";
• "Share program".

All corporate projects for additional pension investments, with the exception of the Share Program, provide for additional monthly contributions from the payroll fund. Payments are made by the employer. The amount of deductions reaches 12%. This approach encourages citizens to work productively in the company in order to receive increased subsidies upon reaching the age established by law.

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The “share program” provides for individual cooperation between an employee and a non-state entity. An individual independently sets the amount of monthly deductions from wages and has the right to manage money, regardless of length of service in the organization. The size of the investment is proportional to the monthly contributions from the payroll made by the employer to the insurance pension provision.