Reorganization of NPF Electric Power Industry, is it possible to register a personal account on the official website

August 17, 2020

The electric power industry non-state pension fund became part of the joint fund of the non-state pension fund LUKOIL-GARANT.
In December 2020, NPF LUKOIL-GARANT was renamed NPF Otkritie.
The non-state pension fund "Electroenergetics" was formed in 2005 and was one of the very first non-state pension funds in the Russian Federation. Initially, only workers in the energy industry could use its services, but after the pension reform of 2020, it became available to everyone.

History of NPF Electric Power Industry

The non-state pension fund of the Electric Power Industry was initially established by a large number of private companies, mostly generating and supplying electrical energy. The fund had high returns and enjoyed the trust of the population.

But changing legislation and current realities have necessitated the consolidation of pre-existing funds and, as a consequence, a decrease in their number.

Reorganization

In 2020, NPF Electric Power Industry was reorganized by merging, together with NPF RGS, into NPF LUKOIL-GARANT, which was soon renamed NPF Otkritie. As a result of this reorganization, one of the largest funds in the country appeared, with a history of activity in this area dating back to 1994.

general information

The Foundation is constantly improving technology and improving services to provide better customer service. Over the past years, it has been among the leaders in terms of the volume of pension savings and pension reserves, as well as in the number of insured persons and participants.

The company cooperates with more than 600 enterprises in various industries, offering them a wide range of corporate pension programs. According to various rating agencies, this company has the maximum level of reliability.

What ratings were assigned to the non-state pension fund in the latest market research:

reaches the AAA index according to the National Rating Agency - the greatest reliability;
A++ index, according to the Expert RA agency, is the highest level of reliability and quality of service.

Otkritie Foundation programs

NPF offers 2 programs for the formation of future pension payments:

The funded part of the insurance pension (although currently no contributions are being made and the fate of this type of security remains unknown).
Formation of a non-state pension, which depends on the amount of voluntary contributions of a citizen under a direct agreement between him and NPF Otkritie.

In essence, this is the full range of pension insurance programs that funds can offer under current legislation. Some NPFs have already moved to the formation of an individual pension plan , which, in essence, is just a non-state pension.

Personal account features

Tracking pension income;
Savings growth statistics;
Automatic calculation of future pension using a calculator;
Sending applications for pension payment from a savings account;
Generating savings account statements;
Editing personal information;
Conclusion of contracts for individual pension provision;
Receiving electronic photocopies of necessary documents.

How to transfer funds to this NPF

The procedure for transferring funds to this fund is general. To do this, it is necessary to conclude an agreement for managing the funded part of the pension with NPF Otkritie at the fund’s office or representative office. Then notify the Pension Fund of the Russian Federation about the transfer of savings to this company by filling out the appropriate application and attaching the necessary documents: a copy of the agreement with NPF Otkritie, a copy of the identity card.

Attention! If the savings were managed by the previous company for less than 5 years, there is a risk of losing part of the funds, since the state does not guarantee their preservation in the event of negative returns. If at least 5 years have passed, then all savings, including investment income, will be transferred under the management of the Otkritie fund in full.

Reliability rating of the Electric Power Industry Pension Fund

The AAA mark was first awarded to the company in 2012. It has not changed for a long period of time. At the end of 2017, the company was placed on the waiting list. The fact is that the investment portfolio could not bring high results. Therefore, adjustments were required.

A waiting list is a special mark that is assigned to banks and pension funds that are undergoing significant changes. It is neither positive nor negative. Future prospects are taken into account. The mark is adjusted when it becomes clear how the changes will affect the functioning of the pension institution. Today the forecast has changed from uncertain to stable. This means that the NPF of the electric power industry is able to fulfill its obligations in full.

Official website of the fund

Although the law does not oblige non-state funds to have official websites and provide depositors and insured persons with the opportunity to use personal accounts on it, the new time - the age of information technology - is forcing this to happen.

Due to the fact that the non-state pension fund of the Electric Power Industry was reorganized, clients can obtain information on the website of the Otkritie fund.

Personal Area

Like other non-state pension funds, Otkritie provides its clients with the opportunity to use a personal account on the company’s official website in order to be able not only to receive prompt and up-to-date information, but also to manage their savings.

In fact, a personal account is provided to each fund investor immediately after concluding an agreement on the formation of a funded pension or non-state voluntary provision. However, you will still have to go through formal registration to gain access to your personal account.

Registering an account on the site

To enter your personal account, it is not necessary to register; you can log in using your account on the government services portal in electronic form. This can be done if you have an account that has passed the verification procedure (confirming the identity of the owner). If there is none or the citizen simply does not want to use it, then you can go through the registration procedure, which will not take much time.

Registration of a personal account is carried out in several short steps:

On the main page of the official website, select “Personal Account” in the upper right corner.
On the login page at the very bottom, select “Register”.
Select the registration method (using pension insurance certificate data or passport data).
Enter the document data (SNILS or series, number and date of issue of the civil passport).
Indicate your date of birth.
The system will check the presence of the entered data in the system.
Create and specify a username and password for your account for subsequent logins.

If you have a registered account, you can log in on the Personal Account page by entering your login and password. In this case, the login can be the insurance number of an individual personal account.

Online calculator

Another convenient service offered by the official website of NPF Otkritie is an online calculator that allows you to calculate the size of your future pension or, conversely, calculate an individual savings program based on the desired amount of your future pension.

The calculator itself is located on the main page of the site, you can find it by scrolling the page a little using vertical scrolling.

To calculate the total monthly amount you must indicate:

citizen's gender;
date of birth;
the amount of wages or other income from which insurance premiums are paid, as of the current date for 1 calendar month (the amount is indicated before withholding personal income tax; more than 100 thousand rubles cannot be indicated, since the annual amount subject to contributions is limited 1,150 thousand rubles);
the amount of the planned monthly contribution to the formation of a non-state pension (not to be confused with the funded part of the compulsory insurance pension);
profitability of investing funds from pension reserves.

After specifying the requested information, the total amount of future pension provision will be displayed on the right side, and the amount of funded and non-state pensions will also be indicated separately.

Important! The calculator is for informational purposes only and allows for very rough calculations.
The NPF Otkrytie calculator takes into account average indicators, be it the level of profitability of 7.24%, the start of working life at the age of 18, or the period of “freezing” contributions to the funded pension until 2021 (although it is not known for certain whether it will extend in the future and not Will such fees be abolished altogether?

Service capabilities

The user account is a personalized service that provides access to various information. With it you can:

Find out the size of your funded pension;
Update personal information or confirm its accuracy;
Calculate optimal payment amounts;
Apply for a pension;
Conclude an agreement with the fund;
Request copies of documents.

Helpful information! You can get acquainted with the details of your account in this NPF via SMS messages.

Reviews about NPF Elektroenergetiki

Initially, I used the services of NPF Elektroenergetika and was very pleased: a good level of profitability, an intuitive interface for my personal account, a transparent system for investing funds. Afterwards, he was automatically transferred to NPF Otkritie (with intermediate stages), and was struck by the negative level of profitability from managing pension reserves. I have decided not to switch for now, since the previous level of profitability, government participation and the number of investors inspire hope for a bright future.

Sergey, 37 years old

Of course, I cannot help but be upset by the fact that in 2020 the size of my savings did not increase due to the ineffectiveness, apparently, of its use. But I am a long-time investor in Garant-Lukoil, which is now called Otkritie, and I know that the average growth rate of pension savings is at least 7% per year, which is generally above average. Otherwise, I am satisfied with the fund’s activities, I trust it and plan to increase the amount of contributions to non-state pensions.

Natalya, 39 years old

I chose the Otkritie fund based on information on the Internet; its performance is one of the best among all other companies in this field. I registered a personal account, very convenient, comfortable feedback. So far there are no complaints, I will continue to look at the results of managing my savings.

Svyatoslav, 29 years old

Fund returns by year

In terms of profitability, the fund in question is almost on par with similar companies. There is an opinion among clients that the return on investment is not too high. The approximate return level is around 7.5% per annum.

If a fund promises 10-12%, but in reality it turns out less, then this is not a reason to add it to the ranks of deceiving organizations. In light of recent events in the global financial market, a decrease in interest rates is quite normal, and over time the situation may change for the better.

An important factor is the level of inflation in the country. In general, investors are satisfied, which can be seen in their reviews.

According to statistics for the period from 2005 to 2020, the accumulated return on pension savings amounted to 152.73%.

Main indicators of the fund's economic investment policy

The yield for 2020 is 9.36% per year,
On average, profitability since 2009 has been at around 8%,
More than 1.2 million people are insured;
Over the years, the fund has accumulated a return of 152.73%. per annum.
The volume of the NPF's own property amounted to 144.1 billion rubles.
Total pension assets at the end of the year exceeded 138 billion rubles, of which 92.8 billion rubles. – these are pension savings and another 45.3 billion rubles. accounts for reserves.
The total volume of pension payments in 2020 amounted to 5.3 billion rubles.

The figures presented above make us wonder: does it make sense to transfer the funded part of the pension to non-state funds, while paying the company a certain percentage for managing the account, if its profitability is much less than what we could receive by default? We answer - it makes sense if you are counting on the long term and participate in modern pension insurance programs.

At the moment, the company’s proposed income exceeds the official inflation that operates in Russia. You can view the list of the most profitable funds in our country at this link.

Last news

We often receive questions from our readers about why this fund stopped participating in the ratings, and why the previous contacts and telephone numbers do not work? It’s simple: back in August 2018, NPF Elektroenergetiki became part of a new fund, namely NPF LUKOIL-GARANT.

All clients who were previously served by the old company transferred to the new one under the same conditions. That is, all contracts remained unchanged, only the details and the name of the organization changed.

We have collected original reviews on this topic here, reviews from real people, many comments, worth reading.

Important: in December 2020, NPF LUKOIL-GARANT was renamed NPF Otkritie. Several more funds also moved here, uniting into one powerful organization that has offices throughout the country and boasts serious savings that help increase your savings.

If we consider the performance indicators of NPF Otkritie, we can indicate the following figures:

more than 7.9 million people are served here,
market coverage is about 20% of the Russian population,
volume of own property – 569 billion rubles,
the amount of the fund’s own funds is 18.6 billion rubles,
accumulated return – 175.10% per annum,
the yield over the last year is 8.22%.

As you can see, there is no profitability data for 2020 yet. You may ask why only last year's information is provided? The fact is that companies provide current data on the results of their activities to the general public only at the end of the calendar year, so now the results are known only for 2018.

How to get information about your savings? To do this, you need to contact the nearest branch of NPF Otkritie, or view the data in your Personal Account on the official website of the company open-npf.ru. You can get advice by calling the toll-free hotline 8 800 200-5-999

Question-answer section:

2019-06-25 18:52

Elya

In 13, I registered my participation in this fund and now I want to get information. I received a text message that I could take some money.

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Consultant for the site KreditorPro.Ru

Elya, this fund no longer exists, all the money and clients went to Otkrytie NPF. You need to call the hotline 8 (800) 200-59-99

2018-10-04 14:36

Irina

Hello. I would like to see my funded pension. How to do it? On which website? Thank you in advance

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Consultant for the site KreditorPro.Ru

Irina, on August 17, 2020, NPF Elektroenergetiki became part of NPF LUKOIL-GARANT, your savings are now stored there. You can view your account status in your Personal Account on the website lukoil-garant.ru

2019-01-15 12:12

Olga

How to call NPF Electric Power Industry if the specified number 88002004404 is constantly reset? I stopped receiving pension money.

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Consultant for the site KreditorPro.Ru

Olga, this NPF no longer exists; it became part of the Otkritie fund. You can find new contact information in a separate article https://kreditorpro.ru/lukojl-garant-negosudarstvennyj-pensionnyj-fond/

2015-12-25 05:52

Lyudmila

I received a letter that I transferred 34,000.00 rubles, how can I write an application to receive this amount? I haven’t transferred any amount for 2020, but can I still send it before December 31st and until what date is this possible?

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Consultant for the site KreditorPro.Ru

Lyudmila, consultations are conducted by phone at 8 (800) 200-44-04

2015-12-11 16:36

Daria

It’s somehow strange, I dialed this number, and they told me that until I receive a penny. ID - I can’t take anything off

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Consultant for the site KreditorPro.Ru

Daria, it’s quite logical, since it’s a penny. The certificate is a document confirming your retirement, which means you can qualify for payment.

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