Offers to save and increase pension savings NPF RGS. The organization operates two programs for private clients - non-state pension provision and compulsory insurance. The features of tariff plans are described in detail on the official website of the organization. You can manage pension savings and check their volume via the Internet if you activate the service through your personal account. We'll talk about the capabilities of the RGS, the registration process and login further.
NPF Rosgosstrakh: login to your personal account
On August 17, 2020, NPF RGS became part of the consolidated fund of NPF LUKOIL-GARANT.
To authorize in the Internet service, use the password and pension certificate number sent via SMS or e-mail. If the client loses the access code, it will be necessary to click on a special link next to the authorization window and re-request the password. The new ID will be sent to the email address registered in the system.
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 2020 was 11.8%. For 2020, the yield is 11.75% (as of June 30, 2016).
The accumulated return of the fund is 86.6%.
Functionality of the personal account of NPF RGS
By creating an account in the personal account, a Rosgosstrakh client will be able to:
- Keep track of your savings. Thanks to the Internet service, a future pensioner can find out the status of the savings account at any time, as well as receive an extract from the history of money transfers to Rosgosstrakh.
- Control the profitability of the deposit. The user can request details of interest accrual for an arbitrary time period: for example, for the previous year.
- Receive an electronic contract. Thanks to your personal account, you can download an electronic version of the contract between the Rosgosstrakh pension fund and an individual, which will be confirmed with a digital signature and seal. The online service also allows you to order additional certificates from NPF Rosgosstrakh and download official forms of the organization.
- Find out the amount of future payments. The online service integrates a special calculator that allows you to get a rough idea of your future pension. It should be noted that to carry out calculations, the user does not need to manually “enter” any information into the fields of the calculator - the system will automatically analyze the terms of the contract and the volume of transfers.
- Stay up to date with the latest changes in pension legislation. In this case, the personal account plays the role of a kind of news feed. You can also get additional information about the activities of Rosgosstrakh in the online system.
The personal account has a pleasant interface with a minimalistic design, thanks to which any user can navigate the system without any problems. It is important that most blocks of text use a large, easy-to-read font.
Fund returns by year
After summing up the results of activities over an eight-year period (starting from 2009 to 2016), it became clear that the RGS NPF demonstrates profitability not only in terms of reserves, but also in terms of savings. Moreover, both indicators exceeded the inflation rate in the country.
Such results were made possible thanks to a correctly implemented investment policy and coordinated work with partner companies.
The allocated pension savings funds were doubled during the specified period, which brought significant income to the fund's clients. If we take the accumulation indicator, then during the reporting period the total inflation rate was 88.8%, and the profitability of Rosgosstrakh showed a result of 123.61%.
The total return is calculated using the compound interest method. Inflation indicators are taken from the official source located at www.gks.ru. The profitability of Rosgosstrakh is determined based on the financial statements of the organization.
It is important to take into account that the positive dynamics of investment income does not guarantee such a picture in the future. Moreover, it is impossible to talk about the state acting as a guarantor, since the personal funds of each client are invested in a non-state fund.
Registration in the personal account of Rosgosstrakh
It will not be possible to create a personal account account on your own: to access the online service, the client will have to submit an application to create a depositor account to the nearest branch of the non-state pension fund. It is important to note that it may take 1 month for your application to be processed. When the application is processed, the company’s client will receive a password from the profile on the Rosgosstrakh website to the mobile phone number (or email address) specified in the application. The depositor can notify the organization of the desire to register in the personal account at the time of opening a savings account.
Mandatory pension insurance
This program is formed within the framework of the state scale. The procedure is that the management makes insurance contributions in the amount of 22% of the employee’s wage fund.
Education and insurance payment is carried out at the expense of:
- permanent forced contributions from the directorate;
- auxiliary insurance contributions as a pension savings service;
- finances of maternity capital, which are aimed at creating pension savings.
Customer support service
If any problems arise with the deposit or the operation of the personal account, the user can contact technical support by calling a toll-free number or sending an email to the address. Also, a client of the company can order a call back: for this you will need to fill out a special form on the official website of Rosgosstrakh.
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.
Answers to common questions about how the funded part of a pension is formed in Rosgosstrakh
Question No. 1: How much do the deposits of clients of NPF Rosgosstrakh increase?
Answer: The funded pension program operates similarly to a bank deposit. If we make such a comparison, then the percentage on deposits of future pensioners for 2014 was 18.5%. In September 2020, a return of 11.82% was observed. The data is regularly updated; a new indicator will become known in 2020. In any case, Rosgosstrakh’s clients did not remain at a loss for the entire period of the organization’s activities.
Question No. 2: Can I control where my money will be invested according to the Rosgosstrakh NPF Pension Plan program?
Answer: No, the investment portfolio will be managed by the company's professional financiers.
But you will have access to information about what share of investments goes where. At the moment, 0.32% of funds are allocated to the purchase of shares, 52.43% to depositary accounts in banks, 25.04% to the purchase of household bonds. constituent entities of the Russian Federation, 22.15% - for investments in bank accounts, 0.06% - for the purchase of shares of manufacturing companies in the Russian Federation. Rate the quality of the article. Your opinion is important to us:
Common mistakes
Error: The worker intends to participate in the state pension co-financing program, believing that this is a mandatory measure.
Comment: Participation in the state pension co-financing program is voluntary.
Error: A citizen does not want to participate in the “Pension Plan” program of the NPF “Rosgosstrakh” because he does not want to collect a large number of documents.
Comment: To register in the program you will need only 2 documents - a passport and a SNILS card.
Registration procedure
Before receiving a NP, a citizen must become a client of the NPF RGS by submitting a corresponding application to the Pension Fund.
Next, you need to conclude an agreement with the selected NPF. The form of the agreement with the RGS is presented here.
It is not recommended to switch from fund to fund more often than once every 5 years - because in this case the client will lose investment income.
After concluding an agreement with the RGS and transferring savings from the Pension Fund of the Russian Federation to the RGS, the person needs to determine whether he or she has the right to an old-age insurance pension:
- a citizen who has reached retirement age and has the required number of pension points and insurance experience receives the right to an insurance pension;
- persons applying for early retirement also have this right (the list of such is in Article 30 of the Federal Law No. 400 of December 28, 2013 “On Insurance...”).
If you have such a right, you should decide on the method of payment of pension savings:
| Payment method for NP | In what cases is it possible |
| Monthly, lifetime | Main type of payment. With this method, NP is paid every month after reaching retirement age along with insurance, in an amount equal to dividing the entire amount of accumulated funds by 240 months |
| One-time payment | If a person has the right to fear. pension, but the monthly amount of NP is 5% or less of the insurance, a one-time payment of all savings available in the personal account is assigned |
| Urgent payment | Assigned only to those who have the right to fear. pension and, at the same time, either participated in the co-financing program or sent part of the funds to mat. capital for the formation of NP |
Program conditions
Since there are 2 programs, the conditions differ.
Pension formation in NGOs
NPF RGS offers clients participation in the formation of non-state pensions and non-state pensions in the compulsory pension system.
Participation in the 1st program is completely voluntary. The essence of the program is as follows:
- the participant chooses one of the pension schemes (there are 5 of them in the RGS), independently determining the method of transferring contributions to the fund, their size, frequency and duration of payment (you can read more about the RGS pension schemes in Section 3 of the Pension Rules);
- concludes an NGO agreement;
- receives a non-state pension when the appropriate grounds specified in the contract arise (for more details, see Section 10 of the Pension Rules).
Also, an NGO participant can at any time receive all previously deposited funds in the form of a redemption amount calculated in accordance with Section 11 of the Pension Rules.
Formation of NP in the OPS
All employers pay insurance. contributions to compulsory health insurance at a tariff rate of 22%.
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Until the end of 2015, the Pension Fund of the Russian Federation provided citizens with the right to choose:
- send the entire amount of fear. contributions (22%) only for the formation of fear. pensions;
- or “divide” 22% into two parts:
| 16 % | direct to fear. pension |
| 6 % | on NP |
Those who:
- under 23 years of age;
- and never officially worked.
For 5 years after the first payment by the employer of insurance premiums for such citizens, the right to choose the insurance option will apply. contributions - only on fear. pension, or insurance and NP.
Accordingly, those persons who have chosen to form both an insurance company and a non-state pension fund can, at their own request, choose an insurer in the form of a Pension Fund or one of the numerous non-state pension funds.
One of these NPFs is Rosgosstrakh, which operates in accordance with 75-FZ of May 7, 1998 “On Non-State...” and invests pension savings of citizens, increasing them every year.
Further in the article we will consider the procedure for registering and receiving NP in the OPS system.
The funded part of the pension in Rosgosstrakh: advantages and disadvantages
NPF Rosgosstrakh has been accepting deposits towards future funded pensions for 10 years. The organization has 3.5 thousand offices and 1.5 million depositors. The company has a high rate of return on investment (average annual return - 13.1%) - it is much higher than the inflation rate. So, today we can already talk about the reliability of Rosgosstrakh:
- the organization’s work is controlled by the state, investors’ money is not transferred to dubious companies, financiers do not use unverified financial instruments;
- “Rosgosstrakh” offers investors to sign a personal OPS agreement with the possibility of appointing a successor in the event of his death;
- each future pensioner has access to his personal account to check his account status;
- “Rosgosstrakh” is responsible to investors with property belonging to the organization.
Among the shortcomings of the work of NPF “Rosgosstrakh” the following can be noted:
- insufficient professionalism of company employees;
- lack of information;
- lack of cases of conducting explanatory work among the population;
- lack of a clear advertising policy.
