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Who needs non-state pension funds and why?

Non-state pension funds (NPFs) allow you to profitably use the funded part of your pension. The word “Profitable” in this case means a higher indexation percentage and a larger future pension.

You should think about switching to a non-state pension fund if:

1. Salaries are high. If wages are low, this issue may not be considered. The difference in the pension amount will be minimal, even if you sign an agreement with the most profitable NPF.
2. There are prospects of living beyond 66 years for men. According to Rosstat for 2020, the average life expectancy of men is 65.92 years. This means that some will not live to see retirement. And those who survive are unlikely to “last long.” But this question is very individual and prospects depend on many factors. For example, the presence and types of diseases, maintaining a healthy lifestyle.
3. You are a woman. For women, the prospects are brighter. Their life expectancy is 76.71 years.

Making a decision to transfer funds to a non-state pension fund also implies deciding on the choice of the most effective fund. For example, VTB.

Information about the fund

• Full name of the organization (name of NPF): Joint Stock Company Non-state pension fund VTB Pension Fund
• Status in 2020: Active - Valid license
• License number: 269/2

An international financial group, VTB, which includes about three dozen different companies that provide services to clients under pension programs, also has a non-state pension fund among its members. Currently, NPF VTB occupies a leading position in the Russian pension services market, including compulsory insurance and pension co-financing, as well as corporate pension programs. The fund's assets as of mid-2013 amounted to over 51.8 billion rubles.

Affiliated funds

No affiliated funds

Requisites

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Details of JSC NPF VTB Pension Fund for transferring contributions to NPO (non-state pension provision): full name: Joint Stock Company Non-state pension fund VTB Pension Fund; address (location) of the legal entity: 109147, Moscow, st. Vorontsovskaya, 43, building 1; INN: 7709445387; Checkpoint: 770901001; OGRN: 1147799014692; OKPO: 40032441; OKVED: 65.30; current account: 40701810500000008189 in Branch No. 7701 of VTB Bank (PJSC) in Moscow; BIC: 044525745; correspondent account: 30101810345250000745; OKOGU - 4210014; OKFS - 16; OKATO - 45286580000, OKOPF - 12267.

Briefly about the VTB pension fund

The fund is part of the international financial group VTB. The fund defines the main objective of its activities as helping to achieve a more prosperous future for its clients.

In terms of pension savings in 2020, the fund ranks 7th in Russia. Clients are attracted through all banks of the financial group: VTB, VTB 24 and Post Bank.

As of January 1, 2017, the Fund’s assets amounted to 130.36 billion rubles.

At the end of 2020, funds received by NPFs from other funds amounted to more than 13.5 billion rubles. The largest part in the amount of 11 billion rubles. came from the Pension Fund of the Russian Federation.

Over the same period, the fund's return level reached 12.8% with annual inflation of 5.39%.

The total number of insured persons under compulsory health insurance is 1.3 million people and 41 thousand NGO participants. Over the past 8 years, the number of NGO participants has increased 4 times.

It is difficult to independently evaluate the activities of a financial organization and make a decision about the possibility of cooperation with it. The issue can be resolved by studying the official opinion of experts.

The reliability of the fund is confirmed by the Expert RA agency. The rating is “ru AAA” with a “Stable” outlook. In its characterization of the fund, the agency notes the highest level of creditworthiness and financial stability on the national scale for the Russian Federation.

Reliability rating of NPF VTB

The fund is doing well with this indicator: 2nd place according to the Central Bank of the Russian Federation for 9 months of 2020. The company's top managers almost always make smart investment decisions, which allows the fund to demonstrate acceptable financial performance.

This, in turn, has a positive effect on the rating of VTB NPF. In 2017, RA Expert awarded the company A++ status: the highest level of reliability with a stable forecast in the long term.

Other performance indicators of the fund in 2020:

• pension reserves – 4.3 billion rubles;
• number of depositors – 67 million people;
• the number of monthly pensioners is 8.8 thousand people.

These data allow us to judge the benefits of joining VTB Non-State Pension Fund. Among them:

• professional asset management;
• investment returns are higher than the official inflation rate;
• stable growth of pension reserves;
• moderate investment risk;
• maximum protection of depositors' funds.

Functionality of the personal account of NPF VTB

The account allows the user to obtain the following information online:

1. About pension accounts and their status.
2. About the funded part of the labor pension and the results of investing pension savings.
3. On maternity capital funds aimed at forming the funded part of the labor pension.
4. On the status of personal pension accounts opened with non-state pension funds.
5. On the results of investments of pension reserves.
6. Ability to change the mobile phone number, e-mail and password associated with the service during registration.

How to check pension savings using SNILS in VTB 24 – Legalists

The reliability of NPF VTB Pension Fund JSC was confirmed by the rating agency Expert RA, which assigned the Fund the ruAAA rating “Exceptionally high (highest) level of reliability.” According to Federal Law No. 422-FZ dated December 28, 2013

, in order to ensure the safety of pension savings, a system has been created to guarantee the rights of insured persons.

This system guarantees that the amount of a person’s pension savings upon retirement will not be less than the amount of contributions actually transferred in his favor (note that income from investing pension savings is guaranteed only if the NPF is changed no more than once every five years). For this purpose, a guarantee fund has been created, which is formed from contributions from the Russian Pension Fund and all non-state pension funds included in the guarantee system. The guarantee fund, managed by the Deposit Insurance Agency, began its work in 2020.

How can I get information about the status of my funded pension account at JSC NPF VTB Pension Fund? Clients of JSC NPF VTB Pension Fund have the opportunity to receive operational information about the status of their personal pension account at any convenient time in several ways: Where can I get information about the investment structure of JSC NPF VTB Pension Fund of pension savings and the profitability distributed to the accounts of the Fund's clients? Information on the structure of investing pension savings and the placement of pension reserves, the Fund’s performance indicators, including the level of profitability, is presented in the public domain on the website of JSC NPF VTB Pension Fund, in the “Investment Policy” section.

Questions and answers

With the introduction of the funded part of pensions and the development of information technology, citizens have the opportunity to check their pension savings.

This can be done using the SNILS number via the Internet. Innovations help to understand what amount of money is for pension payments, and in which fund it is accrued. What is the “funded part of the pension”? The funded part of the pension, together with the insurance part, forms the labor pension of a Russian citizen.

They are divided into two parts according to the method of generating funds and the order of calculation.

The insurance pension depends on contributions from the employer, the amount of which is equal to 22% of the employee’s salary.

Compulsory pension insurance / funded pension

For private clients In this section you will find answers to the most frequently asked questions about:

• compulsory pension insurance;
• State pension co-financing program;
• non-state pension provision.

Mandatory pension insurance Can I be sure of the safety of my pension savings in JSC NPF VTB Pension Fund? Non-state pension funds are reliable financial institutions.

Important

They are subject to a multi-level control system from: the Bank of Russia, the Ministry of Finance of the Russian Federation, the Ministry of Labor and Social Protection of the Russian Federation, the Pension Fund of Russia (PFR), as well as a specialized depository, actuary, auditor, and audit commission.

If we talk about JSC NPF VTB Pension Fund, then control by the shareholder – VTB Bank (PJSC) – is added to this system.

Funded pension in VTB 24

Attention

How can you find out the amount of pension savings? At a certain point in time it will become interesting: how much money has accumulated, and what is the balance? The fastest and most time-efficient option is to check pension savings using SNILS via the Internet, but there are other ways:

1. Personally contact the Pension Fund of Russia (PFR) or the regional pension fund;
2. Request through the employer;
3. In the Non-State Pension Fund (subject to the existence of an agreement between such a fund and the citizen);
4. In the bank that issued the card for receiving wages (for example, Sberbank, VTB24 and others);
5. Using the Internet.

Checking pension savings via the Internet One of the fastest ways to get information about the amount of money in a personal account is to use the State Services portal for free.

How to view your pension savings via the Internet and more

In addition, you have access to:

• improved online pension calculator;
• the ability to print out the received notification about the status of the pension account;
• information about periods of work in a particular place and contributions accrued by certain employers.

Obtaining information about the “pension wallet” through the Pension Fund website We present step-by-step instructions for Internet users.

1. We go to the PFR website – https://www.pfrf.ru and click on the link “Citizen’s Personal Account”.
2. Next, in the “Formation of pension rights” section, click on the link “Get information about generated pension rights.”
3. In the next step, you will need to log in to the State Services portal. If you are already registered there, then simply enter your email and password.

How to find out your pension savings using SNILS

This method is considered one of the most reliable, since it is thanks to it that you receive an official document with data, which you can then present in court in the event of proceedings regarding the payment of your pension, or present to your employer if it turns out that the declared amount of payments is not matches the real one.

How to check your savings via the Internet? If you do not have the opportunity to contact the Pension Fund (for example, its opening hours coincide exactly with your working hours), you can find out your pension savings using SNILS online at any time convenient for you - the service accepts requests 24 hours a day, although and does not process them immediately.

Source: https://advokat55.com/kak-proverit-pensionnye-nakopleniya-po-snils-v-vtb-24/

Authorization in your personal account

On the main page of the official website of NPF VTB vtbnpf.ru, the button to enter your personal account for individuals is located on the right. Login is possible by specifying your login and password.

The login is the number of the insurance certificate of compulsory pension insurance; the login remains unchanged. You should enter 3 digits in each cell, and the last 2 in the last one.

The password is 6 digits of the passport number. The password is assigned by default. For security, it is recommended to change it after the first authorization. To log in and protect against spam, you should also enter the code from the picture.

If you lose your password, you can always recover it. To do this, use the e-mail linked to the account.

NPF VTB 24 how to view savings

V

• Different ways to find out your pension savings
• NPF VTB Pension Fund
• Questions and answers

Non-state pension fund VTB24 Personal account in the VTB24 pension fund In your personal account you can find out:

• information on the status of the account of the funded part of the labor pension;
• income received from investing money.

A request will be sent to the e-mail address you provided; to confirm your registration, follow the link. Password recovery instructions have been sent to the specified e-mail.

Personal account of NPF VTB By requesting permission to register in the online service personal account of NPF VTB, clients receive round-the-clock access “from home” to detailed information: The online service also allows you to edit your mobile number, email and change your password.

VTB 24 funded pension how to view

VTB24 Pension Fund Important A list will appear in which you must select “Ministry of Labor and Social Protection of the Russian Federation”. In the menu that opens, select “Pension Fund of the Russian Federation”.

The next step is to go to the item “Informing insured persons about the status of their individual personal accounts in the compulsory pension insurance system.” The portal will automatically redirect the user to a page describing this service.

All you have to do is click on this button; no additional actions or entering new data will be required.

Different ways to find out your pension savings

A person who chooses the VTB fund to save his contributions will have the opportunity to:

• save and increase your money;
• decide on your own when the payment will be made and in what amount;
• participate in VTB group of companies programs designed for retirees;
• make voluntary contributions and return up to 13% back;
• form pension savings in ruble currency, and not in points.

The prospect of receiving additional funds for pension benefits attracts many investors, and each investor keeps their savings in a separate personal account.

How to check pension savings in VTB 24

The most advantageous difference is that it is possible to transfer the rights to its ownership to heirs. Official website - NPF Pension Fund Future clients can find detailed information about available pension programs on the VTB NPF website.

Each offer has its own conditions and certain features of the contract. NPF VTB 24 Pension Fund - logging into your personal account will help you calculate the amount of your future pension using a calculator.

On the organization’s website there is not only the entire list of services offered, but also a questionnaire is available for downloading.

Personal account of NPF VTB

The report now contains detailed information on the history and movements of pension contributions, with detailed data broken down by year and employer. The information received can be saved and sent electronically.

This service is useful, for example, when providing data to a bank to obtain a loan. At the same time, the reliability of the information is guaranteed by the Pension Fund and confirmed by a special data format when creating messages.

6 Almost all non-state pension funds also give their clients the opportunity to check their pension contributions via the Internet. Detailed instructions on how to do this can be found, for example, on the websites of NPF Sberbank, Lukoil-Garant, VTB Pension Fund, Russian Standard, Kit Finance and many others.

How to join?

In order to become a participant, you must enter into an agreement with JSC NPF VTB.

To do this you need to do the following:

1. Fill out a special application form on the website or at any VTB branch.
2. Attach to the application a passport of a citizen of the Russian Federation, and additionally - an insurance certificate of compulsory pension insurance and a certificate issued by the territorial body of the Pension Fund of Russia about the insurance period and the amount of the pension received.
3. Choose a suitable program.
4. Together with the consultant, prepare all the necessary documents.

After registration, you will need to make a contribution in accordance with the non-state pension agreement.

For these purposes you can use:

• Internet service NPO-Online;
• VTB-Online remote banking system;
• VTB ATM;
• bonus program Collection from VTB.

The contribution can also be made through the accounting department of the company where the person works.