Who is more profitable to save for retirement. The best selection of materials for the question: Where is it better to store pension savings? Where is it better to keep a pension
Why?
Well, in more detail, then all pension funds have very limited investment instruments to protect clients from money drain. But all this gives a low profitability. Therefore, you are unlikely to see much difference between the FIU and private companies. If you are allowed to invest in everything, then private companies will merge your funded part even faster.
But this is not the most important thing. And just the fact that you can manage only 1/3 of the pension (not by volume, but by component) - funded. And in principle, with all the divisions of this part for some years there, you can hardly live on it as fully as before retirement. Therefore, pension should be considered as an extreme reserve in case of complete force majeure, and old age should be provided with your own assets, so that there is enough for a hammock and sambuca somewhere in Thailadna.
By the way, caught up with: http: //fintraining.l...com/416887.html
Read it, Alexey, I think the questions are finally developing.
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What else does your department do besides the appointment and payment of pensions?
The Pension Fund also pays benefits, issues certificates for maternity capital and money for them, registers policyholders in the PFR system and monitors the completeness and timeliness of payment of contributions for future pensions of employees. Also, he collects arrears from debtors. Also, the fund in each region finances social programs jointly with the Ministries of Social Protection of the Population.
What do you need to get a job in the Pension Fund? Do you provide study referrals?
In the presence of legal, economic education and vacancies in the State Institution of the PFR, it is possible to find a job. The Pension Fund does not issue directions to study in higher educational institutions.
In addition to the state Pension Fund, there are also non-state ones. But how to choose where to keep the deductions for future retirement?
You can choose any management company or ...
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Since spring they have been frightening with leaflets in mailboxes, now they rang the doorbell.
This is about pension provision, for citizens born in 1967-1996!
What else do you want to provide us with?
Open, then let's talk.
Many people stored "letters of happiness" from the Pension Fund at home without reading, but they studied the messages of the hitherto unknown pension insurance center with all seriousness. No wonder - on gray newsprint in large print, with a bunch of exclamations and underlining, it was said that savings accounts for new strategy states are not being replenished, and we, "silent" citizens, run the risk of being left without some part of our blood pension. If we do not contact a special organization, where they will explain everything for free and help you get a special contract free of charge that saves you from financial losses.
read also
In such a retelling, the horror story walked around Voronezh (leaflets, apparently, were thrown in several stages in different areas) and reached ...
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Where is the storage part stored
Until you did anything with your funded part(not transferred to the Non-State Pension Fund- NPF or Management company-UK), it is in the Pension Fund of the Russian Federation. This is where your employer pays the pension contributions, from which your future state pension is formed.
However, the funded part of the pension is not a dead weight in the Pension Fund of the Russian Federation. It is run by a state-owned management company, whose functions are performed by Vnesheconombank (VEB).
VEB can invest pension savings only in reliable financial instruments (government bonds and mortgage-backed securities with guarantees from the Russian Federation and deposits of authorized banks). The reliability of these investments is very high, but the profitability is also very low. As a rule, the profitability of VEB does not cover inflation, and in comparison with private management companies and private pension funds, it is very low. However, given a poor market environment, VEB can beat the management company and NPF, as it was in 2007 ...
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If you think that the 2014 pension reform only applies to retirees, you are greatly mistaken. First of all, this applies to those who have already saved something, but there are still 10-20 years before reaching the retirement age.
Let's see what is the point pension reform 2014?
As you know, all employers transfer, in addition to the salaries of their employees, insurance contributions to the pension fund in the amount of 22% of the federal wage bill (at the moment). What is included in this 22%? This is 6% - the funds of the funded part of the pension, 16% - the funds of the insurance part of the pension. Moreover, insurance pension funds are the funds that the Government spends on payments to today's pensioners. But the rest is your personal savings, which you can dispose of at your own discretion: you can invest them in some profitable project in order to receive income from it.
In addition, funded contributions are your pension, the amount of which you can increase, and which is transferred through ...
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Pension savings management
Every year more and more funds are accumulated on your individual accumulative pension account. Already now, your state pension savings can amount to several thousand rubles.
Having received the next annual “letter of happiness” from the Pension Fund, you wonder what to do with the accumulated funds: where is it better to keep your pension and whether it is necessary to transfer the savings in the pension fund somewhere, how to invest your pension in more profitable instruments.
You can get an answer to these questions from a financial advisor. He will tell you in an accessible language about compulsory pension insurance and the profitability of pension savings, give recommendations on the further use of your pension funds, having studied your "letter of happiness".
You can use your pension savings in different ways. Transfer the management of pension savings to the management company (private management company) or NPF (non-state ...
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The Ministry of Finance came up with an initiative to extend the period during which citizens will be able to decide between the funded and insurance pension systems for another year - until the end of 2016.
This proposal was approved by the government and the Central Bank of the Russian Federation, - said Deputy Finance Minister Alexei Moiseev. It was also supported by Konstantin Ugryumov, President of the National Association of NPFs.
In the current version of the law, the term for choosing a pension generation system is limited to December 31, 2015, before this date, citizens need to choose insurers who will be entrusted with their pension savings. In the absence of an application from citizens on the specified date, these savings will automatically be redirected to insurance part pensions.
The Ministry of Finance has started preparing amendments to the law, which will approve new norms. For the current year, a transitional provision has been adopted, during this time, insurance accumulative contributions in the amount of 6% will be sent to NPF or MC, which the PFR and the Central Bank of the Russian Federation recognize ...
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People says. Subject: Deposit.
Where do your pension savings go and is it worth trusting your pension savings to non-state pension funds?
My regular readers often ask me, especially recently in connection with new innovations in pension legislation, where is it better to store pension savings, how to choose a non-state pension fund (NPF) or a management company (private or state) for pension savings and, in particular, for management by their means of pension savings under state programs:
And in general, is it worth it to accumulate pension funds and spend your time and money on it?
I usually answer that you should not rely entirely on the state in matters of your pension provision at all.
You have to accumulate your pension yourself with the help of appropriate financial mechanisms for pension savings.
What is the reason for such my ...
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Question: Where is it more profitable to keep your pension contributions: in the funded part or in the insurance part?
Answer: - On average, the annual rate of return provided by NPFs and VEB is 4.4% per annum. At the same time, inflation is about 10%.
For comparison: for older citizens who did not have a funded element and all their pension contributions went to the insurance part of the pension, the indexation was on average 15% per year.
For those who were born in 1967 and younger, part of their pension contributions also goes to the insurance part of the pension, and it also grows by 15% per year. However, the funded part, which is growing by only 4.4% and is rapidly depreciating, reduces the size future pension our younger fellow citizens. Due to the fact that the accumulative element “eats up”, those who have been making contributions to the accumulative part for 11 years since 2002 have already lost 46 thousand as of 2013 ...
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All his life a person works in order not to worry about anything in old age, but after the end of labor activity, the pension is barely enough. In addition, after the deductions are accrued to a person, he asks the question: where is it better to keep his pension savings?
Everyone knows that when a person works, part of his salary is transferred to the Pension Fund. In addition, there is also an insurance premium. If your monthly income is not high, then the deductions will be small, which is why everyone wants to have a high-paying job.
If a person wants to check the status of his account, he can contact the Pension Fund and see if all contributions have been transferred by the employer, and also find out how much the savings have increased. At the same time, it is important to take into account the fact that the pension consists of a funded, basic, and insurance part. They all depend on the contributions of the company you work for. The basic part is considered a pension, which in any case ...
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Each person at a certain stage of his life begins to think about a pension, or rather, about its size. Now in Russia average amount labor pension is 11,144 rubles and without the help of children and relatives it is difficult to live on this money.
Recently, amendments to the pension legislation have been actively discussed, especially new scheme distribution of pension funds of the accumulation and insurance part. The cumulative part of 6% can turn into 2%. All this is still very difficult to figure out. To a large extent, in this regard, the Government has so far postponed the need to choose the ratio of the funded and insurance parts of the pension until the end of 2014. Let's try to understand why the Pension Fund is needed at all, why it is necessary to make monthly payments to it and how secure old age can be expected.
Today, every officially employed person in Russian Federation automatically makes contributions to the Pension Fund, whether he wants it or ...
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Utah! All funds except the state one are NOT LIKE! They are all commercial, do not have any property, and in the event of bankruptcy, they have NOTHING to answer! The state does not guarantee anything to the depositors of the savings funds! "This is a scam of the venerable public! It is safer to keep it in Sberbank, in the form of ordinary savings or on a deposit.) Commercial ones are often even minus.) This is deliberately empty ... Plus, find out how and on what conditions you can use the funded pension early. Again, you need to clarify what will happen to the pension if a person suddenly decides to die before reaching retirement age. In practice, some ...
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Any citizen is faced with the question - where is the best way to apply for the transfer of his future pension.
According to BFM.Ru, referring to the report of the Pension Fund of Russia, in 2008 the total number of applications for the transfer of the funded part of the pension sent to 100 NPFs operating in Russia amounted to 2.166 million. The top five funds - the leaders in attracting insured persons - accounted for about 992 thousand applications, or 46% of the total mandatory pension insurance market.
NPF LUKOIL-Garant became the leader, to which 273.79 thousand people transferred their future pensions, which is 25 thousand more than in 2007. As a result, at the beginning of 2009, the total number of the fund's clients exceeded 1.1 million. The following funds were also among the leaders: Socium (253.987 thousand requests), Welfare (177.263 thousand), Rus (162.387 thousand) and Big NPF (124.570 thousand).
So one can say ...
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Do you have doubts about where it is better to transfer the funded part of your pension? What are the rules approved and valid in 2019?
Dear Readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how solve your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and WITHOUT DAYS.
It's fast and IS FREE!
A modern person is constantly busy and cannot always take the time to find out information about future pension payments.
So you can deprive yourself of the opportunity to choose the option that will ensure old age. It is important to understand what is the purpose of transferring funds from the funded part of the pension to the pension fund.
Basic moments
Let's define what is meant by insurance and funded pension and how, where it is transferred.
What it is
Pension contributions have an insurance and a funded part. Insurance funds are transferred to the state Pension Fund of the Russian Federation and spent on payments to pensioners.
The part that remains is considered cumulative, and it is recorded on personal personal accounts in the fund, which the citizen chooses himself.
The funded part is the second pension, and it can increase if the income of the management organization increases.
This part of the pension is formed from contributions that employers pay, as well as insurance transfers.
To receive such a pension, it is worth preparing an application and submitting it to a representative of a state or commercial fund.
Pension contributions are 22% of earnings and are made by the management of the company in which the person works. 16% go to an insurance pension, the rest is a funded part.
The amount of the funded part of pension accruals is set taking into account the amount that is on the citizen's account and the period during which the payment is expected.
An increase in the funded part is carried out upon making a voluntary contribution.
If you replenish the account yourself, government agencies will transfer the same amount to the account, but within 12 thousand rubles per year. That is, we will talk about the co-financing program.
Withdrawal of money from savings accounts is possible:
- if the owner of the accounts dies;
- if a person receives the status of a disabled person;
- if the family loses its breadwinner.
Urgent payments can be made if there are additional transfers. The funded system is available only to those citizens who were born not earlier than 1967.
If the person does not take care of the transfer of funds, they will automatically be transferred to the insurance part, as a result of which the amount will also increase. pension payments in future.
What are the funds (types)
There are such funds:
- state - budgetary, extrabudgetary;
- non-state.
Extrabudgetary funds:
- PF of Russia;
Legal regulation
Information about non-state pension funds is contained in the Federal Law of May 7, 1998 No. 75.
There are a number of normative documents to consider:
Where can the funded part of the pension be transferred?
Anyone can entrust their savings to pension funds.
The procedure is as follows:
You can change the organization annually if you send a request to the Pension Fund office.
List of available options
Way to invest the funded part of the pension:
| Do not act in any way | The money will remain in the state fund, and Vneshkonombank will manage it. Plus - the funds are guaranteed to be returned. But only the state will not promise that old age will be secured |
| Transfer the funded part to a private company | The funds will remain in state structures, but the management is taken over by the organization that invests the pension. The sums of money will be in securities, bonds, etc., as a result of which the owner of the account will receive a profit |
| Prefer one of the non-state pension funds | V this case the funded part is sent to the NPF, which will accumulate financial assets |
Which fund to choose is up to you. But it is worth knowing - if you do not contact the Pension Fund, then you can not count on a 6 percent amount of contributions to the funded part.
When choosing an organization, you should pay attention to its profitability and reliability.
Where is it more profitable to transfer funds
Where to transfer your funded part of your pension? Leaving the funded part of the pension in the state Pension Fund is advisable if you have less than 10 years left until your pension.
In other cases, it is better to choose a non-state fund. Clarify these points:
- does the company have a license;
- review financial statements;
- how many policyholders;
- investment result.
First, they study the history of the fund and ask what conditions are offered. Nobody, of course, will give guarantees that the pension will be increased in the future, but the risks of losing savings should not be allowed.
So, pay attention to the type of fund:
| Captive | Promotes corporate pension programs firms. The pension reserve is larger than savings. This is Welfare, Transneft, Neftegarant, etc. |
| Corporate | Serves the founder's pension programs. The share of savings increases annually thanks to customers. This is, for example, Norilsk Nickel |
| Universal | Does not depend on the financial group. Both citizens and companies are served. More retirement savings. This is the European PF, Kit Finance |
| Territorial | Acts in one or more areas. Local authorities provide support. This is, for example, the Khanty-Mansi NPF |
The main indicators include assets, reserves, savings, the number of persons who are insured, the pension reserve, the date the fund was founded, etc.
Consider the following points when choosing:
But not all such organizations are trustworthy, because some offer unfavorable conditions, delay payments, etc.
A number of such inconveniences create a risk for the insured that they turn to a non-state firm. Therefore, study the rating of each organization, the level of reliability, people's reviews.
The funded part of the pension can be returned to the state Pension Fund:
- if there is such a desire;
- in the event that an event has occurred in which there is a need for a refund.
But it remains possible, if desired, to redirect funds to one of the management companies or NPFs again. To transfer to the PF RF, you need to write an application. But this should not be done more often than once a year.
You will need the following documents:
- identification;
- SNILS;
- other securities issued by the PF RF.
The transfer of the funded part of the pension from the NPF to the PFR is mandatory in the following cases:
- NPF has been deprived of its license;
- the face has died;
- the term of the contract was terminated, which was concluded under the compulsory insurance programs;
- NPF is insolvent and bankruptcy proceedings are open.
Which place is safer
You can rely on the data in such a table:
If the person does not make a choice in favor of any organization, 6% of the funded part remains in the pension fund of the Russian Federation. And such funds are zeroed from 2019, that is, they are transferred to the insurance part.
Video: where to transfer the funded part of the pension?
The person in this case cannot receive any interest, since this money repays the debt of the PF RF. The big disadvantage of the insurance pension is that it cannot be inherited.
If you decide that you will transfer funds to an NPF:
How to find out where the amount is transferred
In some organizations, an employer that receives agency from insurers may offer employees more than one option for a firm for insurance.
In these situations, the transfer of the funded part of the pension to a non-state fund is centralized.
The employee must write an application to a certain fund (for example, to the Gazfond) and prepare a sample for authorized persons that will deal with the transfer of funds.
Employers themselves carry out the registration procedure. In addition, they can receive interest from insurers for each attracted client.
The employees themselves do not always even remember which fund they applied to.
Or they simply want to make sure that the funded part was received within the agreed time frame, and personal accounts have been created.
Another situation may arise when a person does not know his NPF, where the insurance was carried out. For example, no notification came from the organization with which the contract was concluded.
How to find out NPF:
| Contact the regional office of the State Pension Fund of the Russian Federation | After all, upon registration, an application was submitted to this fund. This means that they can provide you with information about the transfer of the funded part of the pension. |
| If you cannot come to the department of a state body | Then proceed like this - contact the accountant of the company where you work. The accounting department makes transfers for compulsory insurance, which means that they have a constant connection with the PF |
| Go to the website of the State Service and when you enter SNILS you will be able to find out the information of interest | To do this, you need to register on the portal, confirm the electronic signature, UEC (if any). Then you can go to your personal account and use the services |
| Contact the bank with which the state PF entered into an agreement | It can be Sberbank, UralSib, GazPromBank, etc. |
Reform has been launched relatively recently pension system... According to it, citizens of the Russian Federation can independently choose where their funded part of their pension will be transferred. In this case, it is allowed simply not to conclude the corresponding agreement.
Dear Readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how solve your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and WITHOUT DAYS.
It's fast and IS FREE!
Will the funds be gone
According to the recent amendments to the legislation, each employer will be obliged to make an appropriate contribution to the pension fund.
Moreover, it can be state (PFR) or non-state (NPF). Regardless of where the funds of a particular citizen of the Russian Federation will be located, they will be insured without fail.
But it should be remembered that all citizens of the Russian Federation were instructed, until 01/01/16, to choose an NPF, where funds, which would be NP pensions, would be deducted. This action is not mandatory.
Therefore, persons who did not have time or did not want to make the appropriate choice do not need to worry. The savings of the type under consideration, formed from deductions by employers, will not disappear. They will be accumulated in the accounts of the FIU.
At the moment, any citizen of the Russian Federation can order his pension as follows:
If the corresponding application for transferring part of the pension under the management of the NPF is not submitted, the funds will be automatically distributed according to the first method.
If the contract is concluded - the second. But at the same time, the amount of the LF pension will be increased due to the investments of the management company - NPF. Thus, the size of the pension may exceed the standard amount of 16%.
If the corresponding agreement is not concluded, the LF funds will not be lost. They will remain under the authority of the FIU and will be managed by special companies.
At the same time, each method of placing LF pensions has both its advantages and disadvantages. Before choosing any specific one, it will be necessary to carefully study all the nuances and aspects. In this way, an unreasonable reduction in pension can be avoided.
Where is the funded part of the pension for the silent
If a citizen of the Russian Federation keeps silent and does not conclude an appropriate agreement with a non-state pension fund, all funds will remain on the balance sheet of the state. At the same time, it is important to remember that both in the PFR and in the NPF all money is insured under a special program.
Therefore, even in the event of an unsuccessful investment and bankruptcy, pensioners will receive all the funds they are entitled to. There is no need to worry about this.
The cumulative part of the "silent" pension is transferred to the balance of various special management companies without fail.
Vnesheconombank is one of the most reliable at the moment. This financial institution invests funds representing the low-income pensions of citizens of the Russian Federation in various investment projects. At the same time, qualified economists are engaged in the management of such a process.
Individuals whose funds are under the management of this financial institution can choose the type of investment portfolio:
- standard;
- extended.
In the first case, the profitability will be slightly lower, but the risk factor is minimal. Indexing will be low. An extended investment portfolio implies the possibility of increasing the profitability from the funded part.
But at the same time, the risks are many times higher. But you shouldn't be afraid of using such a service. Since all savings of the type in question are insured without fail.
Therefore, even in the event of the bankruptcy of an NPF or the Pension Fund of the Russian Federation, the minimum amount of the NP pension will be received without fail.
Despite the placement of LF pensions on the balance sheet of special management companies, in some cases it is possible to receive it in a lump sum.
But this requires the fulfillment of some prerequisites. Funded pension funds are invested in various shares, and are also multiplied in a different way. These are all kinds of contributions, different.
The accounting policy of NPF and PFR does not imply the possibility of familiarization with this document for actual and future pensioners themselves. Therefore, it will simply be impossible to reliably find out exactly where the funds of the LF pensions are located.
Where will she go
Relatively soon, a new government policy regarding LF pensions will be introduced. The most important factor in these reforms is a significant decrease in the funded component.
Moreover, this will be done in order to increase the insurance part. This will serve as the main reason for the rapid decline in the value of this type of savings.
One of the most significant points associated with this reform is the amendment that reduces the percentage of deductions. The difference will be noticeable - LF is reduced to 2%, while the remaining 4% is added to the insurance part.
Since, in fact, one of its most important elements will be missing. In fact, similar changes pension legislation will lead to the almost complete disappearance of LF pensions. That threatens with significant problems in the future.
The main purpose of LF pensions is to compensate for the lack of the state's ability to collect a sufficient amount of funds in the form of tax revenues.
In fact, the reforms under consideration will require an increase in the size of tax collections in the state in 10-15 years. Only in this way will it be possible to compensate for the lack of a budget.
But, despite such innovations, the future pensioners themselves do not have to worry about the funds already received on the accounts of the Pension Fund and Pension Fund.
Since they will not be canceled, they are indexed annually, and management is carried out as efficiently as possible. Because LF pensions simply will not go anywhere.
What is profitable
Until the increase in the percentage of deductions in favor of the insurance part, the most profitable algorithm of action was the following:
- find an official job - with the highest wages;
- transfer LF pensions to NPF.
In this case, only "white" wages are used as the basis for calculating the amount of deductions.
In the case of unofficial earnings, there is simply no sense in the procedure under consideration. But after the relevant reform is carried out, all the benefits of transferring NP pensions to NPFs simply disappear. Since the deductions will be minimal.
The positive aspects of concluding an agreement with NPF will be almost imperceptible. Therefore, it will be equally beneficial to leave the LF pensions in the Pension Fund or NPF.
But before making any specific decision, it will be necessary to analyze all the factors:
- positions of a specific NPF;
- the profitability of the formed investment portfolio;
- the amount of wages - the larger it is, the more profitable it is to receive an LF pension after reaching retirement age.
How can you translate
The procedure for transferring NPs to a non-state pension fund is as simple as possible. It includes just a few basic steps.
They are as follows:
- the choice of a certain organization - which in the future will carry out financial management;
- collection of all necessary documents;
- writing a special statement;
- signing an agreement.
After completing all the above actions, the NP pension will be transferred to the NPF. The required documents are the following:
- passport of a citizen of the Russian Federation or a document replacing it (if not available);
- insurance pension certificate - SNILS.
How can I find out where my funded pension is? This question is of interest to many. The topic is really very serious. Indeed, at the moment in Russia, the provision of old age is mainly formed from pension payments from the state. They are divided into main and cumulative parts. The latter has to be looked for from time to time. I do not want to lose too much of a rather important component of money prepared for old age. What are the options for solving the problem? Where to go for information on finding the funded part of the pension?
We decide for ourselves
To begin with, it is worth considering one very interesting fact: Until recently, this problem did not arise. After all, the entire pension in full was in the power of the state. Only recently has the system undergone changes in Russia. And now it is necessary to independently, albeit partially, provide for a comfortable old age. The so-called funded part of the pension helps here. These deductions serve as a kind of addition to the basic payments. But how do I know where my funded pension is? This is not as difficult as it seems. The main thing is to prepare in advance for the process.
Possible options
So how do I know where my pension (funded part) is? The point is that modern citizens are offered several options for solving the problem to choose from. You have the right to use absolutely anyone. Some methods quickly provide the necessary information, somewhere you will have to wait a little. But in the end, information about the location of the funded part of the pension will still become known.
What is offered to the population? If you have forgotten or, in general, are not aware of where part of your savings "for old age" is stored, just contact the following authorities:
- Territorial department of the pension fund.
- Your employer's accounting department.
- Any bank.
- Portal "Gosuslugi."
- Third Party Internet Services.
By territory
Wondering how to find out where my pension (funded part) is? To do this, you can use any method suggested above. Next, we will tell you more about each method. They all have their own characteristics.
The first and easiest way is to contact the territorial. You only need an identity card and SNILS. Apply with a corresponding statement, sometimes even verbally. Fund employees will have to check the location of your funded part of the pension against the base, and then give you information. Important: this information is not disclosed to third parties. Therefore, it is important that, in addition to SNILS, you have a passport with you. Others are not usually accepted in pension funds.
Through an employer
How do you know where your funded part of your pension is? To do this, you can contact your employer. You will need to go to the accounting department of the organization where you work. After all, it is from wages that interest is initially transferred to form savings "for old age". All you need is to ask the accounting department to give you information about the transfer of your pension to a particular fund. You can express your desire in writing or orally. After that you will be given the necessary data. Nothing difficult. True, this method is not always appropriate. Few people use it.
FIU
Where can you find out about You can contact the Russian Pension Fund. To his main compartment. Information about everyone is stored there.To obtain the necessary information, you will need to present a passport, as well as SNILS. Based on these data, employees will provide the information you are interested in. Sometimes they may be asked to write a request-statement in writing. Not a very frequent occurrence, but it does take place.
Bank
Where can I find out the amount of the funded part of the pension and its location? Any major bank can help here. Or, more precisely, those financial organizations with which the Russian Pension Fund has agreements. Usually these are large organizations like VTB and Sberbank.
It is in these banks that you can get data on the location of pension contributions. To do this, you will need to draw up a request statement, as well as attach your identity card and SNILS to it. After a while, the bank will check the accounts. After that, it will give you information about the state of yours. His whereabouts will also be brought to your attention. Quite a common option that is not so difficult to implement.
"State services"
How do you know where your funded part of your pension is? At the moment, even the Internet can help in the implementation of this idea. More precisely, the portal "Gosuslugi". It appeared not so long ago, but already now it makes life much easier for the population. You will need to register on the service, and then go through authorization there. Please note that this process takes several weeks. After all, after registering a user, your profile must be activated. Once you have a work account, you can get started.
Further information is ordered in the "Personal Account". To do this, select the appropriate request in the list of services offered. After a while, you will receive the information you are interested in. But how can I find out where my funded part of the pension is using the Internet yet?
Other ways
A variety of Internet services will come to the rescue! They help to quickly get data about any citizen and his money savings. Including pension. All you need is to type in the account holder information as well as your phone number. It's all. You can expect information about the funded part of the capital set aside for old age.
Just keep in mind - 99% of Internet services (with the exception of "State Services") are fraudulent. In fact, it will not work to check the location of the pension in this way. It's just a divorce of citizens for money. They will be debited from your account to mobile phone... This is normal. Therefore, try to use only proven methods for solving the task at hand. You only need a passport and SNILS, sometimes an INN. And a little patience. Now it is clear how to find out where my funded part of the pension is.
After the pension reform in 2015, the funded part of the labor pension became an independent form - funded pension. Until December 31, 2015 years to citizens Born in 1967 and younger it was possible to choose: or refuse to deduct contributions to it. If a citizen has chosen the option with the accumulation of funds, then he can transfer them to the Pension Fund by choosing a Management Company (MC) or transfer pension savings to (NPF).
You can receive funded pension payments only upon reaching 60 years old for men and 55 years old for women, or the age that allows you to issue an old-age insurance pension, taking into account the standards in force as of December 31, 2018 (that is, without taking into account the changes introduced).
Because retirement age increases, and the age standards for funded pension remained "frozen", it turns out that a citizen can receive pension savings before retirement.
Funded pension - what is it?
The funded pension is formed by citizens born in 1967 and later which started working before January 1, 2014 and until December 31, 2015 decided to direct contributions to a funded pension.
Citizens older than 1967 can also form pension savings, but.
Pension savings are formed through the transfer of insurance premiums by the employer. The employer pays total 22% from wages in the form of an insurance premium, of which 16% goes to the insurance pension and the solidary part, and the remaining 6% transferred to the funded pension.
In addition to compulsory insurance contributions, pension savings can be formed by:
- voluntarily paid insurance premiums;
- amounts contributed under the pension savings co-financing program;
- funds of maternity capital, in whole or in part, directed to the formation of a pension;
- results of investment of accumulated funds.
How to find out the amount of pension savings (via the Internet, according to SNILS, in the Pension Fund)
Until 2013, the PFR annually sent information about the health of the medical insurance system, including the amount of pension savings, to insured persons by mail in letters. Currently, depending on where the funded pension is formed in the PFR or NPF, this information can be obtained in different ways:
- Via the Internet on the website of the PFR or NPF using your personal account.
- In the territorial pension fund with the provision of a passport and SNILS.
- When contacting the branch of the NPF, which the citizen has chosen to form savings.
- Through the bank in which the citizen has an account, if this bank provides such a service.
The amount of pension savings of the insured person
The size of the funded pension of the insured person is affected by the amount of funds deposited for its formation and recorded on his individual personal account (ILC) with the Pension Fund of the Russian Federation or on his pension account with the NPF.
The amount of pension savings is adjusted annually on August 1 based on the amounts received for its financing, which were not taken into account in the calculation when assigning or in the previous adjustment.
Payment cumulative payments produced by the formula:
NP = PN / T,
- NP- the size of the funded pension;
- MON - the amount of the beneficiary's pension savings as of the date of the payment appointment;
- T- the expected period of pension payment (number of months). It is annually established by law and in 2018 is 246 months.
Once every five years NPF can be changed to another, or the formation of funds can be transferred to the management company. It is possible to do it earlier (ahead of schedule) - once a year and a loss of investment income may occur.
- Contact an NPF and conclude a compulsory pension insurance contract with it.
- Submit to the territorial FIU statement on the transfer to the NPF.
After considering the application, the pension fund sends a notification to the insured person. If the non-state pension fund meets the legal requirements, the FIU will notify of a positive decision, if the fund's license is revoked, the notification will state the reasons for the refusal.