The Gazprombank Pension Fund proposes to use its right to increase pensions and conclude a pension insurance agreement with a non-state pension fund (NPF), which has a high rating according to financial experts. After the reform was carried out in 2015 and pension payments were divided into two parts (savings and insurance), everyone can enter into such an agreement to provide themselves with decent pension payments.

Features of NPF Gazprombank

Non-state Pension Fund proposes to transfer the funded part of the pension to a fund with a high reliability rating, Gazfond. According to current legislation, everyone has the right to independently choose an insurer, which makes it possible to draw up an agreement with a non-state pension fund established by Gazprombank.

Operating principles and fund rating

To ensure high-quality work, high interest rates and stability of payments, NPF Gazfond (whose founder is Gazprombank) is guided by the following principles:

• Ensuring the safety of funds entrusted to the fund;
• Economic benefit from investment: return on investment at minimal risks will allow you to increase the size of the entrusted capital;
• Availability of information: clients have the right to receive truthful information about NPF activities, and it is in the public domain. In addition, you can always contact the fund’s hotline;
• Transparency of activities: control by authorities state supervision increases confidence in the fund’s activities;
• Professionalism: in management cash flows In non-state pension funds, literacy and knowledge of operating principles, market laws and economic analytics are of great importance. Only a team of professionals can assess the benefits and risks of investments and make a competent, informed decision.

Following these principles allows you to increase the profitability of deposits (due to high interest rates) and, at the same time, provides the Gazprombank pension fund with a high-level reliability rating.

Programs for pensioners

The main task of the Gas Fund is to provide decent payments to its clients after reaching retirement age.

Important: a loyal and flexible service system allows NPF clients to apply for payments earlier (in accordance with the concluded agreement), choose a payment method, or transfer the accumulated amount to another fund at any time.

You can get a qualified answer to any question. This is provided by information support of the Gazprombank pension fund - hotline. Potential and current clients can always seek advice on all fund products and any other issues. On this moment NPF Gazprombank offers services:

• Pensioners who have entered into agreements with the Gas Fund;
• For individuals: to ensure future additional income and to receive payments from a non-state fund, you can enter into an agreement with the NPF in advance. You yourself will determine the frequency and amount of payments, which will form the basis for receiving an additional pension in the future;
• For corporate clients: socially responsible enterprises can enter into a pension insurance agreement for their employees, which will ensure social protection employees of the enterprise and will allow us to create a more attractive social package for employees.

Advantages of a non-state pension

As the analysis of the situation shows, when assigning a state pension, the standard percentage of wages the average is about 20%. This significantly changes social security and reduces the income of pensioners after graduation. labor activity.

NPF Gazprombank proposes to change this situation. The percentage of payments after retirement increases significantly if you take care in advance and conclude an agreement on non-state insurance (you can find out more by calling the hotline).

In addition to standard contracts, Gazfond clients are offered services on preferential terms in Gazprombank, for example, the opening savings deposits with a higher rate.

Please note that participation in the NPF will allow you, through regular payments during working age, to accumulate additional social security for a decent life after retirement at the expense of a high percentage (and increase through the fund’s investments). A reliable rating of Gazprombank NPF is the key to successful and stable work.

Gazfond hotline

Any questions will be answered by calling the NPF Gazprombank hotline. The following numbers are available to clients:

• 8 800 700 8383 - for free calls from the regions;
• 8 495 721 8383 - for clients in Moscow;
• 8 812 449 8383 - hotline for residents of St. Petersburg.

Official website of the non-state fund http://gazfond.ru/

Conclusion

During its operation, the Gazprombank Pension Fund has proven itself to be a reliable and responsible financial manager with a reliable financial rating. The developed programs take into account the interests of clients and allow you to get more high percent on pension savings.

Throughout a person’s life, a certain part of his income is saved, namely 6% on a special deposit account, which is transferred by the employer. An increase to the insurance part of the pension is formed from it.

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Citizens, having issued funded pension, receive a significant supplement to the state pension. Russian citizens should take care of their security in old age from a young age, especially since the state has created all the conditions for this.

Conditions

Over the years of its activity, the non-state pension fund "Gazfond" has gained great popularity among citizens. The fund was established in 1994 as part of PJSC Gazprom.

He is a co-founder of the National Association of Non-State Pension Funds and a member of the Association of Managers of Russia, the Russian Chamber of Commerce and Industry and the Leningrad (regional) Chamber of Commerce and Industry.

The Foundation has become one of the largest institutions in Russia, gaining an impeccable reputation in the country and abroad.

His investment strategy allows you to ensure the safety of the pension savings of persons who are insured in the fund. Over the years of its activity, the fund has repeatedly occupied a leading position among other non-state pension funds, which in Russian Federation there are 200.

Large enterprises became its founders, including the following:

• Russian Joint-Stock Company Gazprom;
• Joint Stock Company "Gazprombank";
• Limited Liability Company "Gazprom Dobycha Urengoy", "Gazprom Dobycha Yamburg", "Gazprom Transgaz Saratov".

More than 78,000 citizens of retirement age are registered with Gazprom NPF. At the same time, the volume of pension savings is equal to 50% of the volume of pension reserves that are available in the accounts of other NPFs.

Trust management of pension savings funds in the interests of the fund's clients is carried out by management companies with high reliability and practical experience over many years.

These include:

• closed joint stock company "Leader";
• financial corporation "UralSib";
• closed joint stock company "Kapital";
• Bank of Moscow;
• investment group "TRINFICO".

The transfer of the funded part of the pension to NPF Gazprom is carried out through the voluntary conclusion of an agreement between citizens and NPF Gazfond, the validity period of which is 5 years.

Any Russian citizen who has reached the age of majority has the right to conclude it. But due to the fact that an age limit has been introduced, citizens born in 1967 and later can enter into it.

They are given the right to personally determine the amount of pensions from funds received as contributions to the Gazfond current account.

The non-state pension fund Gazfond provides its clients with conditions that have great flexibility, so citizens can independently:

• order the frequency of payment of contributions, minimum size which is equal to 12,000 rubles per year;
• establish the amount of pension contributions credited to the fund account;
• indicate the conditions for making payments;
• set deadlines for making payments.

Citizens are given the opportunity to change the timing of payments once a year. NPF Gazpromfond credits pension contributions of citizens participating in the savings program to a personal account opened specifically for these purposes.

Income is credited to it every year at the end of the year, but no later than May 1 of the current year. At the same time, the size of the pension increases due to the income acquired by the fund as a result of investing pension funds.

The Fund carries out indexation of pension savings no later than June 1 of the following year, subject to the decision of the Council.

The procedure for transferring the funded part of the pension to Gazprom

To transfer pension contributions to Gazprom NPF, you need to submit an application for the transfer of the funded part to its representative office.

Based on the application, the fund enters into an agreement with Russian citizens. At the same time, they have the right to appoint their successor, who will receive funds in an unforeseen situation.

Citizens can personally visit any of the foundation's offices, where they can write a statement. It can be sent along with copies of documents by registered mail or courier delivery.

Many enterprises have an authorized person of the fund who represents the interests of the fund. An able-bodied citizen can submit an application to a fund representative directly at the enterprise.

What documents are needed for this?

To register for participation in the program, you must submit to NPF Gazpromfond along with your application:

• a copy of the applicant’s passport, page with photo and place of registration;
• SNILS;
• a copy of the pension certificate.

The above documents are the main ones. Their copies must be certified by a notary office in the established legislative acts ok.

If necessary, the fund may request other types of documents. In each individual situation, the list of documents may be individual, so it is better to contact the fund to clarify it.

Through State Services

To Russian citizens could easily transfer their funds presented as a funded part of the pension to the NPF Gazfond; a contract registration service was organized through the State Services portal located on the Internet.

It provides contact information for regional representative offices of the fund, whose operators will help with the translation.

The Russian Pension Fund provided services for the transfer of pension savings from it to a non-state fund.

One of the fund’s options is to provide banks with the opportunity to act as an authorized person who operate in certification centers.

To register on the public services portal, you need to receive one of the following forms:

• activation code issued at Russian Post offices and Rostelecom sales centers;
• an electronic signature issued by a special certification center;
• universal electronic card.

But most officials and heads of consulting companies assume that Russian citizens do not use the services of the portal on a large scale, and are unlikely to take action to log in to it.

In addition, the number of portal users has reached only 7.1 million people, and the number of citizens forming pension savings is about 80 million citizens.

Advantages and disadvantages

NPF "Gazfond" takes 1st place in the most important indicators activities of non-state funds. He became a laureate of the “Financial Elite” award in the category “The most stable non-state pension fund.”

The fund has been assigned a high level of reliability – “A++” by the expert agency “Expert RA”. This rating indicates an exceptional level of reliability.

The fund has an average return on investment of pension savings of 12.21%, which is much higher than the Pension Fund of Russia.

The activities of the fund are controlled by government bodies of the Federation, such as:

• Financial service of insurance supervision;
• Ministry of Finance;
• Ministry of Health and Social Development;
• Pension Fund.

NPF Gazfond reports on the results of investing the funded part of pensions by sending a notification to its insured persons no later than September 1 of the current year. It contains information about the status of funds placed in the pension account.

It uses the services of OJSC Specialized Depository INFINITUM, which occupies a central position in:

• number of agented funds;
• value of controlled property.

As for the advantages of the fund, it offers pension schemes that provide the opportunity to:

• apply the most convenient method of transferring pension contributions, for example, by deducting the contribution from the salary at the place of work. The employee must submit an application to the accounting department of the enterprise, bank, bank terminal GPB (JSC), via the Internet;
• receive a tax deduction, the amount of which is 13% of the total amount of pension contributions;
• choose any of the proposed schemes when submitting an application or change the scheme;
• transfer the funds accumulated in the personal pension account as an inheritance to the successor;
• terminate the contract at the discretion of the insured person at any time, receiving the funds paid and interest accrued on them;
• obtain information in the “Client Account” containing personal pension account data.

Customer service by the fund's employees is provided at a high level. They are polite in communicating with clients, they try to explain as clearly as possible the questions that clients have regarding pension savings.

The Russian pension system, in particular the “Cumulative Pension” program, has practically no disadvantages. It is designed in such a way that it benefits Russian citizens.

But there may be risks associated with investing the funded part of the pension. It is investing in different projects that can generate income that allows you to accrue interest on pension savings.

Citizens can only lose interest accrued for this year, so they have a choice management company you need to study all its positive and negative sides.

In 2017, there are several largest non-state pension funds operating, one of which is NPF Gazfond. Our material will discuss not only the main features of the existing fund, but also the procedure for registering in your personal account.

Characteristics of Gasfond

Non-state pension fund Gazfond(hereinafter referred to as NPF) has been generating pensions for citizens for 23 years. Over the entire period of its operation, the NPF has achieved positive results, namely:

• Amount of pension payments – 13 million rubles
• Number of clients - 1.5 million Human.
• Reliability rating – A++.
• Pension reserves – 400 billion rubles
• Number of persons receiving pension – 120,000 people.
• Volume of savings – 50 million rubles

General information about NPF:

• Official website – gazfond.ru.
• Office address is Moscow, Simferopol Boulevard, building 13.
• Contact number – 8 495 721 8383.
• Hotline – 8 8007008383.
• License – No. 274/2 dated May 21, 2004.

NPF rating

Profitability indicators

The average return on non-state pension funds is 8% per year. Adjusted for inflation, the results fall by 4%. As a result, the insured persons receive a low percentage of annual income.

At the same time, the total profitability for the period of work is 107%.

As for the latest data, as of September 30, 2016, the NPF has a yield of 11.6%. In 2015, profitability indicators were slightly higher – 13.7%.

The level of profitability largely depends on the principles of investing available funds.

Gasfond principles:

1. safety of accumulated funds;
2. ensuring liquidity and diversification of investments;
3. openness of information;
4. transparency of the process;
5. professional staff.

How to access your personal account?

To receive online data on personal savings, the client must register to enter "Client's account" Online: .

To gain access to the “Cabinet”, a citizen must fulfill the following conditions:

• presence of a signed contract;
• registration Email;
• the relevance of passport data, telephone numbers indicated in the contract.

Registration procedure next:

1. Email registration.
2. Filling out the form after authorization.
3. Confirm your phone number using the received code.
4. Creating a password when logging into the “Account”.
5. Obtaining data on the personal account amount.

The pension system for citizens has undergone reform over the past few years. Changes affected forms of ownership. In connection with this, NPF Gazprom was forced to change its shareholder structure. To increase transparency, the non-state pension fund had to transform from a non-profit to a joint stock company. This is how JSC NPF Gazfond appeared. Today it is the largest fund where the funded part of the pension of the majority of the country’s citizens is accumulated.

Fund characteristics

The foundation was created in 1994. During its existence, it experienced financial crises, which have rocked the state over the past twenty years. At the same time, clients financial organization were not injured. Gazpromfond received the right to operate related to non-state pension provision in 2004 along with the FFMS license No. 274/2. All this time it is valid.

Today it is the largest non-state fund in the country. At the end of 2016, the Statistics Department recorded 1.3 million depositors of OJSC NPF Gazfond for a total amount of more than 3 million rubles. This organization works with both physical and legal entities countries. CJSC Leader manages the savings of citizens. The company works on stock market countries 23 years old. Annual monitoring of placement Money The joint stock company “Specialized Depository “Infinitum” is engaged in this activity.

The fact that the founder and owner of NPF Gazfond Pension Savings is a large Russian energy bank indicates the high reliability of the fund. This also confirms rating agency RA expert. Back in 2004, this expert organization assigned the gas fund the highest reliability rating of A++, which is valid throughout 2017.

The non-state pension fund, in addition to having the highest reliability rating, is also highly profitable. Over the entire period of the organization’s existence, the amount of pension savings increased by 179 percent due to correct investment. The average annual return on invested funds is more than 8 percent. In 2016, depositors of NPF Gazfond Pension Savings increased their savings by 11 percent.

Description of services provided

The funded part of a citizen’s pension is formed by the employee himself, as well as by the enterprise where he works. Consequently, NPF Gazfond Pension Savings offers two packages of services:

• for individuals;
• for companies.

A citizen of Russia has the right to enter into an agreement on additional insurance payments from wages with a non-governmental organization for financial security old age. The percentage of such deductions is not regulated by law and is set by the employee independently. How and for how long the non-state pension will be paid is stipulated in the cooperation agreement between the citizen and JSC NPF Gazfond. Individuals can choose one of four schemes offered by NPF Gazfond Pension Savings.

For socially oriented companies, NPF Gazfond Pension Savings offers services for creating a package of non-state pension programs for employees. There are several schemes that differ in size pension contributions, frequency of payments. The management of the enterprise independently chooses suitable option. This approach makes it possible to develop comprehensive programs for various groups of workers.

How to become a member of the fund

To become a member of NPF Gazfond Pension Savings, you must enter into an agreement. The agreement can be signed in any way convenient for the client, even remotely. All nuances before signing the contract are agreed upon by phone, email or personal visit. To enter into an agreement you must have ID card, as well as SNILS.

NPF Gazfond is a non-state pension fund with a proven reputation that has existed for more than twenty years. To ensure that working citizens can ensure financial security upon completion of their working career, Gazfond offers them to take advantage of compulsory pension insurance and non-state pension insurance programs. pension savings, as well as corporate pension programs.

The personal account of NPF Gazfond, available on the Fund’s website, allows you to monitor the status of pension accounts via the Internet.

Personal account features

The Client Account service is specially designed so that the information in it is clear and all actions are intuitive. Gazfond personal account for pension clients- This:

• Simple interface with tooltips.
• Access to personal information and its correction.
• History of transactions on accounts opened with the Fund, available for download in several formats.
• Electronic applications to the Fund.
• Pension savings chart.
• Filter by period and type of transactions.
• A guide with answers to frequently asked questions by clients.

Registration and login to your personal account

Clients who have an active pension account with the Fund and are registered in the system through the official website of NPF Gazfond have access to the “Client Account” from the section of the website of the same name. Just enter on home page section email and password, and the client’s account will be logged in.

Individuals who have entered into an agreement with the Fund independently or through an employing organization have the right to register in the Internet service “Client Account” after the transfer of the first pension contribution to the Fund's account. Registration for access is carried out on the website according to the following scheme:

1. The client visits the page personal account Gazfond using the “Client Account” link from the menu of the official website, activates the “Registration” link, ends up on the page with the Terms of Service, reads them carefully and, having checked the box indicating agreement with them, clicks on the “Next” button.
2. On the following tabs of the registration page, the client indicates a valid email address that needs to be confirmed, and his data - last name, first name, date of birth and details of one of the documents from the list: Russian passport, foreign passport, residence permit, birth certificate, identity card , asylum certificate, temporary residence permit in the Russian Federation, temporary certificate.
3. The operator checks the information received from the user online and sends it to the number included in the contract mobile phone confirmation code.
4. The client enters the received SMS code into the form on the website, after which he gets the opportunity to set, in addition to his login (email address), a password and a security question with an answer.
5. The operator updates the user's information in the client's account and activates the account.

You can always recover the password to the client’s account via email, which was used to register in the service.