"LUKOIL-GARANT" - non-state pension fund

Non-state pension funds today are becoming increasingly popular due to more favorable (compared to state pension funds) conditions. Therefore, it is advisable to familiarize yourself with a short list of the advantages of non-state pension funds:

The NPF, unlike the PRF, has the right to involve any number of firms and companies in the management of funds. Due to this, investors' risks are reduced and income increases.
In the event of the death of a depositor, his accumulated part of the pension provision is returned by the PRF only to the legal heirs, and the NPF can return funds to everyone designated in the official agreement.
When transferring from the Pension Fund to the Non-State Pension Fund, a formal agreement is drawn up, which spells out all the obligations and rights of both parties. The PRF never offers its client base the opportunity to sign an agreement.

The main advantages of NPF "Lukoil-Garant"

According to statistics, an increasing percentage of able-bodied investors choose NPF Lukoil-Garant. This fund has been officially operating in the Russian Federation for more than 20 years and is today recognized as one of the leading funds in the country. Experts explain the consistently high level of trust in the non-state pension fund Lukoil-Garant:

High reliability indicators and predictable profitability levels.
A 23-year period of operation, during which the fund survived more than one government crisis and never violated its obligations to its clients.
Numerous awards have been awarded to NPF Lukoil-Garant in recent years. Among them is the “Financial Elite of Russia” award, received in 2021. The Russian rating agency Expert RA has awarded NPF Lukoil-Garant with the diploma of leader in the compulsory insurance system over the past several years.
Guaranteed pensions (since January 1, 2015, NPF Lukoil-Garant became a participant in the system of guaranteeing the rights of insured citizens).

Cumulative pension NPF Lukoil Garant

To understand how the pension is formed, look at the table below.

But everyone has the right to transfer 6% of the total amount to their own pension savings to the non-state pension fund Lukoil Garant. At the same time, 16% remains in the Russian Pension Fund and 6% goes to payments to current pensioners.

You can transfer 6% to NPF Lukoil Garant from the moment you start working. In this case, the fund will manage your savings and organize profitable investments for you. As a result, along with the insurance pension from the Pension Fund, you will receive a funded pension from the non-state pension fund.

You can calculate the amount of your future funded pension using a calculator on the official website of Lukoil Garant here. To do this, select your gender, indicate your age, and the amount of your current salary. On the right you will see the amount of the future funded pension that will be paid to you by the non-state pension fund in addition to your basic pension.

Key indicators

Among the advantages of the organization is its financial stability, thanks to which pension payments were consistently made throughout the existence of the Lukoil-Garant NPF (including during acute crisis downturns).
That is why the rating agency “Expert RA” evaluates the organization’s activities as “A++”. The fund manages 250 billion rubles. The cumulative return on pension savings from 2005 to 2021 was 175.1%. According to the Bank of Russia, as of June 30, 2017, NPF Lukoil-Garant is trusted by more than 3.5 million depositors.

About types of payments

When you reach retirement age, which is now 60 for men and 55 for women, you can apply for a payment, which is formed from accumulated funds.

Non-state pension fund "Lukoil-Garant" how to get your savings:

One-time payment. Paid in the following cases:

You have not applied for a funded pension;
The funded part amounted to 5% or less in relation to the amount of old-age insurance and funded pensions.

Urgent payment. Paid every month for a specific period of 10 years;

Funded pension. Paid monthly for life;

Payment to successors. Paid in the event of the death of the insured person to legal successors.

Application and registration for a pension

To become one of the official investors of NPF Lukoil-Garant, you should visit the organization’s office.
But first, the institution’s employees recommend filling out an application on the official website at the link: https://www.lukoil-garant.ru/services/online-services/, after which the organization’s specialists will promptly call the client back and instruct them on how to proceed further in order to become a depositor. After the comprehensive service agreement with NPF Lukoil-Garant is signed, the investor receives the right to register on the official website and log in by going to his personal account.

For registration to take place successfully, you need to complete a few simple steps:

Go to the official page of NPF "Lukoil-Garant".
Fill in the empty fields of the proposed form with personal information such as:
date of birth of the depositor;
passport information;
actual mobile phone number;
E-mail address.
Enter the code combination received automatically on your phone/email.
If difficulties arise, you can use the “Help” button, when clicked, a list of answers to frequently asked questions will be displayed in front of the resource user.

Personal account of NPF “Vladimir” – registration and login

UTNK Vladimir has an official website, you can visit it by following the link https://npfvladimir.ru. All its visitors are allowed to use a calculator here to calculate their pension, get contact information, and read the news of the organization and its documentation.

Good to know: the company gives its consumers the opportunity to visit their own electronic accounts absolutely free, which can be accessed via the link: https://connect.npfvladimir.ru.

Official website of NPF "Lukoil-Garant"

Using the resource opens up a whole range of opportunities for the investor. The investor can:

monitor the increase in cash savings;
get help online;
specify the amount accumulated over a certain period of time;
receive an extract if necessary;
use an option such as a pension calculator.

What is JSC NPF "Lukoil Garant"

This non-state pension fund is one of the leaders in the modern compulsory pension insurance market. Its activity spans more than 20 years, and the organization has maintained an impeccable reputation. It is characterized by the following indicators:

License of the Central Bank.
It is one of the top five OPS funds in terms of savings volume.
Its customer base includes more than 3.5 million citizens.
The amount of savings in NPF Lukoil Garant for 2021 amounted to 249 billion rubles with a total return of 175.10%.
It is chosen by about 10% of Russians who preferred non-state funds.

Consistently high profitability is ensured by the fact that income is accrued not only on the contribution, but also on the profit received from it. At the same time, savings are protected from inflation thanks to investment. You can also find out more about this system on the official website of the non-state pension fund NPF Lukoil Garant at the link www/lukoil/garant/ru.

License of NPF "Lukoil-Garant"

The activities carried out by NPF Lukoil-Garant are officially licensed. The issue of revoking the license certificate of this fund began to worry investors after the Central Bank revoked the licenses of 7 non-state pension funds at the end of 2021. NPF "Lukoil-Garant" was never included in their number.
To this day, NPF Lukoil-Garant successfully continues to carry out its official activities aimed at saving pension funds of citizens of the Russian Federation.

Note!

License to carry out activities in pension provision and pension insurance No. 432 dated May 20, 2014. This document is of unlimited duration.

Hotline number of NPF Lukoil Garant

People often have questions about savings and pension payments. For information, you can contact the hotline specialists, which operate free of charge. In addition to general questions, they can provide assistance in navigating your personal account, completing documents, and provide advice on fund products.

In your personal account there is a customer assistance section for NPF Lukoil Garant, located on the right in the top menu. On the page that opens there are three blocks in which specialists’ answers to frequently encountered problems are formed:

Accumulation part.
Non-state financing.
General issues.

On the right side you can select the version of the written request to Lukoil Garant technical support. But before using this option, be sure to read the answers from experts. Perhaps the solution to your problem is there.

Reviews of NPF "Lukoil-Garant"

On the Internet you can find a huge number of reviews about the activities of the non-state pension fund "Lukoil-Garant". With rare exceptions, you can find only positive reviews; in case of any problems, they are promptly resolved by the company's employees on an individual basis. Citizens who have entrusted their funds to NPF Lukoil-Garant mainly note:

High level of trust – AAA (the highest level of trust on the part of investors).
Predictable stability and very high rate of return.
The fact that there is an official agreement, which spells out in detail all the conditions and nuances of business cooperation.
Numerous branches throughout the Russian Federation.
Stable pension payments within a strictly specified period.

Having studied the above arguments, we can safely recommend the non-state pension fund Lukoil-Garant as a reliable company that you can trust with the formation of your funded pension.

How to become a client of NPF Lukoil Garant

The company offers several programs to choose from for both individuals and corporate clients. The following offers apply to individuals:

"Taking care of yourself." An excellent offer for people with average and high income. So that retirement does not force you to change your lifestyle, you can take advantage of this program and ensure a decent future for yourself after leaving work.
"Caring for children." This savings program of NPF "Lukoil Garant" allows you to issue an additional pension policy for a child and in the future spend money on his needs, such as education or a wedding.
"Caring for loved ones." This program makes it possible not only to take care of your future, but also to help your loved ones now.

For corporate clients, NPF Lukoil Garant offers the following programs:

“Share” allows employees to enter into individual contracts with the pension fund through the organization in which they work. Moreover, in the event of a change of place of work, the client retains the right to participate and all contributions made.
"Strategic personnel". Allows you to attract and retain key employees of the enterprise.
"Gold Fund". The program is designed specifically to stimulate senior management.
"Corporation". The program is relevant both for the entire staff of the organization and for its parts. Increases the social security of workers and, as a result, their loyalty to the employer and interest in labor discipline.

Work on transferring savings to a non-state pension fund occurs in two stages:

Conclusion of a contract for OPS. To do this, you need to visit the organization’s office and write an application. You can familiarize yourself with the agreement in advance by downloading it on the company’s website.
It is also necessary to write an application for transfer from the Pension Fund or another fund, attaching to it a copy of the agreement concluded with Lukoil at the first stage.

The second stage can be carried out in several ways:

Use the expanded version of the personal account of NPF "Lukoil Garant" on the official website.
On the “Government Services” portal if you have a confirmed personal account.
Russian Post.
When visiting the Pension Fund or MFC in person. This can also be done by your representative by proxy.

Below you can read real reviews of cooperation with the non-state pension fund Lukoil Garant.

What does the personal account of NPF "Lukoil Garant" include?

For effective remote collaboration and data management, the service offers a wide range of functions:

Conclude an NGO agreement.
Update personal information online - .
Confirm that the data is unchanged - https://www.lukoil-garant.ru/personal/services/renewal/esia/.
Create a request for copies of documents - https://www.lukoil-garant.ru/support/faq/common-questions/document-request/.
Edit contact and passport details.
Receive information about savings in NPF Lukoil Garant.
Calculate how much pension payment you need to receive to implement your plans.
Receive statements about the amount of your funded pension.
Use the calculator to calculate and predict payments.
Communicate with consultants of NPF Lukoil Garant, receive information support in any questions.
Submit an application for pension payments.
Pay contributions under the agreement - https://www.lukoil-garant.ru/personal/non-governmental/pension-contributions/

Important: the first 5 points are only available for your personal account in advanced mode.

It is not difficult to expand the capabilities of the LC NPF "Lukoil Garant": to do this, you need to confirm your mobile phone number during registration. If this is not done, only the basic functions specified from the “Receive information about savings” item and below will be available. To perform other operations, you will need to visit the branch in person.

Customer reviews of NPF "Lukoil Garant"

Below you can read real reviews of cooperation with the non-state pension fund Lukoil Garant.

Nikolai . For me, the main criterion that determines whether a fund is suitable for me or not is reliability. And NPF Lukoil Garant in this regard is the best that exists in this area. It has been working for quite a long time, and, judging by the reports, it is stable. The people have a lot of trust in this Fund; it manages something like 250 billion rubles. And here the accrual system is transparent, everything is clear, you can always see how much has been added and for what period.
Tatiana . When I was thinking about where to leave the Pension Fund, I scoured the Internet looking for information about different pension funds. And then I came across reviews about NPF Lukoil Garant, some of them mentioned the rating of the Rating Agency. I decided to check - and indeed, the AAA level of this NPF. I was satisfied with such reliability, so I went to look at the insurance conditions. And everything is great! Not only is it reliable, but the income is high, and this is a guarantee that I will have a good pension. In general, it’s been 5 years since I moved to Lukoil Garant and I don’t regret it one bit.
Svetlana . I chose Lukoil Garant and I am calm about my future. I am sure that under no circumstances will I lose my savings, because this NPF is part of the rights guarantee system. In short, I will receive my pension in full, even if this organization goes bankrupt. Although I don’t believe in any ruin: the company has been operating for many years and has a high level of trust from the state.
Egor . I switched to this NPF more than five years ago and have never regretted my choice until now. From my personal account on the website, I track how my savings are increasing and see that they not only keep up with inflation, but are also ahead of it. In general, the profitability was consistently high throughout the entire time of my cooperation with Lukoil Garant. In general, I recommend this NPF to everyone!
Alexander . I joined NPF Lukoil Garant in 2007, just before the 2008 crisis. And you know, it hit when, at first I tensed up, I thought that this year and the next would be a failure, and I wouldn’t get an increase in my savings (or I would get it, but a meager one). But in reality everything worked out. Yes, 2008 was not a very good year, but then my increase from year to year was very pleasant. I don’t regret choosing this fund and would happily recommend it to others!

What to do if your license is revoked?

The information is incorrect that NPF Lukoil-Garant’s license was revoked in 2021, which you don’t have to do to find out. But you can understand the sequence of actions in such a situation in order to prepare for negative developments.

What should I do if my license is revoked?

Contact the NPF and the Central Bank.
Submit a refund request.
All deposits are insured.
In the future, your pension savings will be reimbursed from the money available from the NPF, after the sale of the company’s property, or from a special fund.
You will be able to apply for transfer to another institution.

Cooperation with non-state pension funds is even more reliable than with banks. In some financial institutions, deposits are formed outside the balance sheet; they are not included in the insurance program. In a non-state pension fund, such a scheme is more difficult to implement, so your funds are completely protected.