NPF Rosgosstrakh: reviews, profitability rating

In connection with the reorganization of JSC NPF LUKOIL-GARANT, JSC NPF Electric Power Industry and JSC NPF RGS in the form of merger of JSC NPF Electric Power Industry and JSC NPF RGS to JSC NPF LUKOIL-GARANT, see the current information on the official website: https://www.lukoil-garant.ru/.

Extensive experience in the insurance market has allowed NPF Rosgosstrakh to become a leader among other NPFs. In 2021, more than three million Russians cooperate with this fund. But what characteristics does NPF Rosgosstrakh have? Let's figure it out right now.

General characteristics of the fund

Rosgosstrakh ( hereinafter referred as NPF RGS) is owned by Danil Khachaturov, who is the president of the company. NPF Rosgosstrakh was founded in 2002.

Let us highlight the main indicators of NPF Rosgosstrakh:

• The volume of own property is 164 billion rubles.
• The number of clients is more than 3 million people.
• Throughout Russia there are 66 branches, 3,500 points where specialists from NPF RGS are present.
• 860 million rubles were paid to insured persons.
• The level of accumulated profitability (for the entire period of work) is 86.6%.

Official website : www.rgs.ru. Office address : Moscow, Yuzhnoportovy Second Passage, building 16, building 1. Contact phone: +7(495)9952596. Hotline: 8-800-200-99-77.

It is important to know! Basic information about NPF Promagrofond

reference Information

Table 1. General information about the fund

OJSC NPF "RGS" was created in 2002 as one of the Group's activities, with a rich history spanning more than 90 years of activity.

Who is the owner of the fund

The sole owner of the fund is the Public Joint Stock Company Bank Otkritie Financial Corporation, which owns 100% of the shares.

On March 5, 2021, by decision of the owner, the reorganization procedure of NPF RGS JSC began in the form of merger with the LUKOIL-GARANT pension fund.

Reliability level of NPF Rosgosstrakh

The level of reliability is determined by the favorable distribution of investment capital.

Investments are distributed in the following percentage:

• 0.32% – government securities;
• 52.43% – bank deposits;
• 22.15% – in bank accounts;
• 25.04% – bonds of the country’s economic communities;
• 0.06% – shares of business companies.

Based on the total investment funds invested, the Expert RA rating agency determines the level of reliability of a particular fund.

Based on the results of the analysis for 2021, NPF Rosgosstrakh has a reliability rating of A++ (high reliability indicator).

This forecast indicates the fact that the company will not be closed in the near future. In addition, the work of NPF RGS is controlled by state control systems, including the Bank of Russia, the Tax Institution and other government organizations.

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.

Profitability indicators

For the period from 2009-2015, the profitability of NPF RGS exceeds the inflation rate . NPF increases profitability due to a competent policy of investing accumulated funds.

Over the entire period of operation, NPF RGS has doubled the savings of existing clients.

In percentage terms, the profitability for 2015 was 11.8%. For 2021, the yield is 11.75% (as of June 30, 2016).

The accumulated return of the fund is 86.6%.

Nature of activity

First, a little about what exactly our company does today. After all, sometimes the specialization of a particular corporation can alienate customers. NPF "RGS" earns mostly positive reviews in this area. The company does not conduct any suspicious or incomprehensible activities.

"RGS" offers its participants the preservation of their pensions. Or rather, its accumulative part. Something like a pension bank in which your funds will be stored for old age. This is a completely normal activity that is in demand among the population.

Among other things, you will be asked to slightly increase your investment. It is for this reason that many strive for non-state pension funds. In them you will be able to increase your savings for old age, at least a little.

NPF Rosgosstrakh: reviews

In terms of profitability and reliability, the NPF occupies one of the highest places among other NPFs.

It is important to know! Features of the formation of the funded part of the pension

As for reviews, many citizens speak negatively about the work of NPF RGS, since many insured persons became clients of the fund not of their own free will.

The main reason for negative reviews is the purchase of an MTPL policy. After interacting with the Rosgosstrakh company, unscrupulous employees “slip” clients an agreement on compulsory pension insurance (compulsory pension insurance), or after signing documents on the MTPL policy, Rosgosstrakh employees falsify documents on compulsory insurance for specific individuals in order to receive an increase in wages. As a result, the prosecutor's office receives a whole list of complaints.

We recommend reading: fraud of the European Pension Fund Non-State Pension Fund.

In order to avoid such a situation, every citizen must carefully study all documents in cooperation with Rosgosstrakh, so as not to accidentally fall into the tricks of unscrupulous employees.

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.

That's why FREE expert consultants work for you around the clock!

1. via the form (below), or via online chat
2. Call the hotline:
3. Moscow and the Region
4. St. Petersburg and region
5. Regions

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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:

+7 (Moscow) +7 (St. Petersburg)

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.

How to register in your personal account of NPF Rosgosstrakh?

In order to register in your personal account of NPF Rosgosstrakh you need to do the following:

1. Have an agreement on mandatory pension insurance (compulsory pension insurance) with the fund.
2. Go to the official website of the fund at the link: www.rgs.ru.
3. On this site it is worth performing the following algorithm of actions:
   click on the “Personal Account” tab;
4. select “Private person”;
5. indicate your email to receive a password - a temporary password is sent to your email, which after
6. registrations can be changed;
7. enter a temporary password;
8. log into your personal account, where you must indicate the policyholder’s information, namely: full name;
9. passport details;
10. contact phone number;
11. residential address;
12. Date of Birth.
13. Only after entering complete information will the citizen be able to go to the necessary tabs, which are located on the right in the personal account.

It is important to know! The most important thing about NPF Future (Welfare)

Rating of Russian NPFs in 2021

Today there are many non-state pension funds operating on the market, offering different conditions, profitability and investments in various objects. At the same time, the demand for the services of these institutions increases the supply - this causes high competition in the market. Ratings compiled by experts based on a complex methodology help you make a choice in favor of an efficiently operating and reliable fund. The profitability rating of non-state pension funds determines the extent to which a given institution is able to fulfill its obligations towards the investor. The main rating criterion is the profitability of a non-state pension fund or the amount of profit that the fund receives based on the results of managing the pension savings of its clients. The reliability rating of non-state pension funds, on the contrary, gives priority to the stability of the institution and the ability to withstand current risks.

The sole owner of the fund is the Public Joint Stock Company Bank Otkritie Financial Corporation, which owns 100% of the shares.

On March 5, 2021, by decision of the owner, the reorganization procedure of NPF RGS JSC began in the form of merger with the LUKOIL-GARANT pension fund.

Disclosure of key indicators

In December 2021, the National Rating Agency withdrew the reliability rating of NPF RGS due to the expiration of the contract and the refusal to further update the assessment. Prior to this, the fund had a AAA reliability rating with a favorable outlook.

In the NRA rankings, as of December 31, 2017, the fund ranks:

• 8th place in terms of the volume of own property;
• 5th place in terms of the number of insured persons;
• 26th place in terms of the number of participants, behind NPF Blagosostoyanie;
• 6th place in terms of pension savings;
• 41st place in terms of pension reserves.

The rating of the Expert RA expert agency was withdrawn without confirmation in February 2021. Prior to this, the fund was assigned a rating of ruBBB+.

According to the results of 2021, in Expert RA rankings, NPF ranks:

• 15th place in terms of capital and reserves;
• 43rd place NPF in terms of pension reserves;
• 6th place in terms of pension savings;
• 192nd place in RAEX-600 with a stable outlook.

A person has the right to choose his own pension fund. Therefore, you can terminate the contract under the OPS at any time. All you have to do is choose from:

• Write an application to the Pension Fund for the return of the pension to the state fund.
• Conclude an agreement with another non-state fund and notify the Pension Fund about this.

It must be taken into account that in case of early transfer to service in another organization, investment income is lost in whole or in part.

Note! To maintain income, it is advisable to switch to a new insurer no more than once every 5 years.

Upon termination of the NPO contract, the client receives a redemption amount in accordance with the terms of the contract.

1. Reliability. This is one of the most important parameters for assessing a pension fund. The pension system is organized in such a way as to protect cash deposits - the entire volume of savings is fully insured, so a person can be sure that he will not be left without money in old age. There are various annual ratings conducted by special analytical agencies. As a result of comparing the list of parameters, each background is assigned a specific category. The highest rating of such an institution is AAA, which indicates the best reliability among all competitors.
2. Work period. The longer the organization has been active in the field of pension provision, the more experience it has, the larger its base and the ability to adapt to any market conditions.
3. Number of insured. This indicator tells you how many people work with this organization. If a company has less than a million clients, it is not recommended to trust it with your money.
4. Profitability. This indicator has a comprehensive assessment and is compiled based on several components. You need to understand that some rating agencies specifically select indicators in such a way as to bring the organization they need to first place. This is due to the fact that the profitability parameter has several modifications - profitability for the last year, average profitability over 10 years, accumulated profitability, and they are all calculated differently, and some also depend on the period of activity.
5. Accompanying services. This parameter is not so important when choosing a company, but it affects the ease of using its services. According to the recommendations of experts, it is necessary to clarify whether the company has an official website, a personal account for each user, and how quickly and efficiently the technical support works.
6. Office location. It is best to choose a company that has a branch in your hometown, since some issues can only be resolved by visiting the organization in person.

An important nuance. You can change your pension fund no more than once a year. However, if 5 years have not passed during the period of work with the company, you lose all interest on the investment. Many people do not know this nuance, as a result of which they lose significant amounts of money that could work and earn income. In order to find out what period of your work with the insurer, you need to go to the State website. After receiving the document, you will learn about the amount of savings you have and with which organization you have a contractual relationship. Here you can find out the date of conclusion of the agreement with the fund.