How can you find out the amount of the funded part of your pension?

Conditions of registration and pension programs

Rosgosstrakh offers clients to independently manage their pension through voluntary contributions, maternity capital funds and employer contributions. Until the end of 2020, citizens born after 1967 could choose how their pension would be formed: whether all contributions would go towards the formation of an insurance pension, or whether they would be divided into insurance and funded parts.

Funds of funded pension invested in NPF Rosgosstrakh are increased due to their investment by the fund in securities and shares . It turns out that the savings portion invested in a reliable pension fund is an opportunity to increase your material security.

For those who have not started forming a funded part, Rosgosstrakh offers to join the “Pension Plan” co-financing program. The principle of this savings system is that for 10 years after the conclusion of the agreement, the account holder's contributions are doubled annually through government funding .

According to the agreement, the owner of the pension must contribute an amount of at least 2 thousand rubles every year. You can pay contributions in two ways:

1. personally through the bank;
2. through the employer's accounting department.

Savings generated under the Pension Plan program can be inherited, and their status can also be monitored in your personal account on the company’s website.

Reviews from former clients of the RGS pension fund

Similar: LKB Online Combank in Lipetsk
If we collect reviews from citizens who have used the services and entrusted the accumulation of pensions to Rosgosstrakh, then most of them are positive.

I have been a client of the company for 10 years, including the process of reorganization and transition to Otkritie. I can only point out positive aspects. The profitability of non-state pension funds is large and stable, which is important for investors

Evgeniya, Saratov

The work of the fund before and after the merger remained almost unchanged, including the employees are always polite and answer all questions. It’s convenient that you didn’t need to write an application for the transition; you were informed about the reorganization in advance and given the right to choose

Elena Vasilievna, Moscow

Thus, now NPF Rosgosstrakh exists as part of Otkritie. This organization ceased to exist in the register from the moment of the merger.

According to the Central Bank information current as of September 30, 2020, the RGS took the following places:

• 8th place in terms of property volume among all operating NPFs;
• 6th place in terms of penny volume. savings (National Pension Fund of Sberbank took 1st place);
• 5th place in the number of insured persons under compulsory health insurance.

20 Feb 2020 Expert RA withdrew the reliability rating of the RGS fund due to:

• expiration of the rating;
• lack of data to use the methodology.

Before the withdrawal, NPF RGS had a ruBBB rating with a stable outlook.

In terms of the volume of pension reserves and the volume of capital and reserves, the RGS took 43rd and 15th places, respectively.

How to transfer to Rosgosstrakh?

To transfer contributions to Rosgosstrakh, you need to contact the nearest fund office. The procedure consists of several stages:

1. At the Rosgosstrakh office you need to conclude an OPS agreement, then write an application for the transfer of the funded part.
2. A message with a confirmation code is sent to the phone number specified in the contract.
3. The received code must be communicated to the employee, who will call within a couple of days after signing the agreement to confirm the fact of the voluntary transfer of the pension.

Read more about what the funded part of a pension is and whether it is necessary to transfer it to a non-state pension fund.

Documentation

The following documents must be attached to the application and contract:

• passport;
• insurance certificate.

The signed agreement can be terminated at any time and you can receive the redemption amount according to the conditions specified in the agreement (you can find out how to receive a funded pension from a non-state pension fund here).

Registration procedure

The registration procedure depends on which insurer the citizen was with before transferring to NPF RGS:

1. If the citizen was in the Pension Fund.

In this case, the procedure will be regulated by Part 4 of Art. 36.4. Federal Law No. 75:

• first - concluding an agreement with a non-state pension fund in the manner provided for in Art. 36.4. Federal Law No. 75;
• further - submitting an application for transfer to the local Pension Fund of the Russian Federation (it seems that the application can be submitted by both the RGS and the insured person himself) until December 31 of the current year.

The contract must comply with the requirements specified in Art. 36.3. Federal Law No. 75. The agreement will be considered concluded from the moment the funds are transferred. savings from the Pension Fund to the RGS.

1. If the citizen was in another NPF.

Similar: Rosgosstrakh funded pension

Before receiving a NP, a citizen must become a client of the NPF RGS by submitting a corresponding application to the Pension Fund.

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...”).

To eliminate the possibility of default of NPFs, as well as any abuse on their part, these funds are required to undergo a licensing procedure and inclusion in the DIA system.

At the moment, there is the following procedure for accreditation of non-state PFs.

First, applicants submit a formalized application for accreditation, as well as the necessary documentation package to assess their readiness to undergo this procedure. In this case, applicants can be legal entities or individuals. Next, the authorized body carries out accreditation work with the help of experts in the field.

This procedure includes the following key points:

• examination (review) of the application, as well as the provided documentation;
• making a decision on accreditation or refusal of it;
• issuing a certificate of accreditation to the applicant.

It is important to note that the Accreditation Commission reviews the submitted documentation package within a month. If a positive decision is made, it issues an Accreditation Order, and if a negative decision is made, the documents provided by him are returned to the applicant explaining the reasons for the refusal.

The accreditation certificate acquires legal force from the moment of its registration in the list of non-state pension funds of the accrediting institution and is valid until the end of the calendar year.

If an insured individual experiences an insured event and he applies to the NPF, the fund will be obliged to transfer to the pensioner the funds in his personal account in one of the following forms of payment:

• one-time;
• urgent;
• perpetual (funded pension).

To understand whether you can invest your savings in a particular NPF, you need to find its name in the DIA list. After all, the presence of a non-state pension fund in the pension deposit insurance system indicates that the fund has a license. In addition, this serves as a guarantee of the safety of citizens’ investments, even if the fund is declared bankrupt.

At the moment, there is a list of 32 non-state PFs accredited in 2020.

• JSC NPF Surgutneftegaz;
• JSC NPF First Industrial Alliance;
• JSC NPF Magnit;
• OJSC "NPF RGS";
• Welfare;
• Telecom-Soyuz;
• AQUILON;
• Education and Science;
• JSC NPF Soglasie-OPS;
• JSC NPF Doverie;
• Atomfond;
• Society;
• JSC NPF NEFTEGARANT;
• Diamond Autumn;
• JSC NPF Soglasie;
• JSC NPF Social Development;
• Electric power industry;
• Sberbank;
• Social world;
• Promagrofond;
• Khanty-Mansiysk;
• KIT Finance;
• REGIONFOND;
• URALSIB;
• JSC NPF "FEDERATION";
• Atomgarant;
• Empire;
• Right;
• Pension-Invest;
• UMMC – Perspective;
• VNIIEF-GARANT;
• JSC NPF Transneft.

It is worth noting that an individual can transfer his savings from one NPF to another, as well as to the Pension Fund and back. This can be done before the end of the calendar year by writing a corresponding application. It is recommended to replace the pension fund no more than once every 5 years, otherwise you may lose investment income.

How to find out the amount of savings?

Information about the status of your personal account can be found in two ways:

1. by contacting the sales office of Rosgosstrakh, presenting your passport and SNILS to the operator;
2. by registering on the fund’s website and activating access to your personal account.

If you want to quickly and at any time receive information about transferred funds, then the second option is the most convenient and accessible.

To track your savings online, you need to contact the nearest branch of the company with an application to register a personal account. The application form can be obtained on site or downloaded in advance on the Rosgosstrakh website in the “Personal Account” section.

The application is processed within a month, after which the client receives an access code to his personal account (mynpf.rgs.ru). Login to your account is carried out using your SNILS number and password.

Advantages and disadvantages

Those who are thinking about switching to the Rosgosstrakh fund must first of all evaluate all the advantages and disadvantages of its activities and the services provided. Let's consider its advantages:

• profitability. The profit indicator of NPF Rosgosstrakh on investments is higher than inflation. The yield for 2020 was 11.77%. For the entire existence of the pension fund - 74% of invested funds.
• Reliability. The company's activities are controlled by the state. Rosgosstrakh invests citizens' funds only in reliable companies. This eliminates the possibility of financial loss. In 2020, the fund received the highest reliability rating from the NRA. Experts predict stable growth of the company's investments in the future.
• Money back and safety guarantee. The fund is part of the Deposit Insurance Agency. If the company goes bankrupt, the state will return all the money to citizens.
• Wide use. The company's branches are located throughout Russia. The number of Rosgosstrakh branches is about 3.5 thousand.
• Transparency of the fund's work. Rosgosstrakh clients can log into their personal account on the website at any time and receive the necessary information about accumulated funds, as well as find out where the company is investing funds.
• Availability of information. You can find out about the procedure for transferring to the fund, obtain information about methods of withdrawing funds and other information on the fund’s website npfrgs.ru or by calling the toll-free hotline.

The activities of the Rosgosstrakh fund have its disadvantages:

1. loss of invested income when transferring funds to another NPF. The client has the right to transfer his pension once a year to any other NPF or Pension Fund (how to transfer a private private enterprise from the Pension Fund to a Non-State Pension Fund?). However, funds will be transferred without taking into account investment income. This income is saved only when switching to another fund once every 5 years.
2. Incompetent behavior of employees. Reviews from some participants in the pension system indicate that employees of the organization often enter into compulsory pension agreements without the consent of citizens. However, these actions can be challenged at any time by contacting the company’s head office with a request to terminate the contract.

Personal account of NPF Rosgosstrakh

NPF

The non-state pension fund RGS is one of the leading funds in the Russian Federation, providing citizens with technologically advanced and affordable pension products and services that meet their requirements. It is an insurer of OPS.

It manages over 180 billion rubles of pension funds that are under reliable protection. Each client is guaranteed reimbursement of savings and contributions placed on a personal account. The activities of the organization are controlled by a state control system.

The status of the investment portfolio is checked daily.

Each client can personally monitor the status of a personal pension account from the personal account system of NPF Rosgosstrakh, receive information about the results of the organization’s activities, generate statements on the movement of savings, etc. The process of gaining access to the personalized section of the site is described in detail below on the page.

www.npfrgs.ru - official website of NPF Rosgosstrakh

Persons who have entered into an agreement with the fund and have redirected their pension savings to it can connect to the remote access system. The entrance to your Rosgosstrakh personal account is located on the main page.

It is impossible to register on the site and then go through authorization. You need to submit an application by mail or bring it in person to the address: Moscow, st. Gilyarovskogo, 39 (building 3). The application form is located in the section: “How to gain access” (right column).

Click on the word “Application” and it will open on a new page.

Indicate in it:

• City;
• FULL NAME;
• Date of application;
• Passport data;
• Insurance number of an individual personal account;
• Registration address at the place of residence;
• Personal mobile phone number;
• The way to receive a password is by email or phone.

At the end, put the date of completion, signature, initials. Print the document by clicking on the printer image.

lk.npfrgs.ru - entrance to the personal account of NPF Rosgosstrakh

The application for connection is reviewed within 30 days. After the client registers in the system, he will be sent a password to enter his personal account in the manner specified at the time of drawing up the application (by email or via SMS notification).

To enter your personal account of NPF RGS:

1. Select the “Personal Account” tab on the fund’s main page, located in the upper right corner (highlighted in burgundy);
2. Indicate SNILS and password in the login form;
3. Click "Login".

Work in your personal account

The personal account of NPF Rosgosstrakh is convenient, as it allows you to obtain the necessary information on your individual pension account without direct contact or request to the organization. Each client has the opportunity to:

• Control the movement of funds in the pension account;
• Get acquainted with the history of the increase in savings over a certain period of time;
• Download application forms, contracts and other documents;
• Interact with company representatives through online messages;
• Configure your profile and change personal data.

How to find out pension savings in NPF Rosgosstrakh

After authorization in your personal account, go to the section “Pension savings” – “Savings report”. The window that opens will contain all the necessary information:

• Initials of the person, given by SNILS;
• Profitability over the last 5 years – in percent;
• All transactions on the account (select from the list the year for which you want to view completed transactions);
• The amount of pension savings in an individual account as of the date of application.

You can find out the amount of savings not only in your personal account, but also at the company office by going there with your passport.

Mobile app

There is no application to access the company's products. Login to your personal account is carried out only in the manner described above. All the necessary information can be obtained by personally contacting the company’s office, which is located in your locality. You can also submit your request by regular mail or email.

Support

All questions that arise while working with a non-state pension fund can be asked through the support form, email address or phone number. It is also possible to send a letter in person to a postal address or by fax.

The contact center phone number is listed in your personal account at the very bottom of the menu or on the start page - 8-800-775-77-45. The email address is as follows −

If you have questions about the operation of your personal account, ask them in a special form, which is located on the authorization page. To do this, select “Ask a question” in the right column.

Provide the required information:

• FULL NAME;
• SNILS number;
• Contact mobile number;
• Email;
• Subject of the appeal (select from the list);
• The essence of the appeal;
• Region of residence;
• Contact method: by phone or email.

Fields marked with an asterisk are required.

In the “Contacts” section you can additionally order a call back. Select this item, indicate your status (individual or company), topic and type of request, full name, phone number, time of request and region. Click "Submit".

There are no comments yet, but you can write your opinion or ask a question.

Source: https://www.kabinetpro.ru/npf/rgs.html

How to find out the pension savings of a deceased relative

To find out the amount of savings for legal successors, you need to go through several steps, namely:

Step 1 . Filling out an application to the Pension Fund of Russia branch to obtain data on the amount of savings of the deceased policyholder. This step is required even when the Pension Fund is notified of the death of a specific person, since the fund must know the basis for paying part of the pension to the heirs.

Here you can find out how a pension is formed in the event of the loss of a breadwinner.

List of required papers:

• Passport;
• Marriage certificate, birth certificate (documentation confirming the fact of relationship);
• Death document;
• SNILS of the deceased;
• Method of payment - indicated in the application;
• A list of close relatives of the deceased known to the applicant to quickly identify the circle of heirs.

State fund employees have the right to request an additional list of documents.

The struggle for pension: how to change NPF and not lose your money

During the first half of the year, the Bank of Russia received 2.6 thousand requests. Poll What do you think determines the size of your future pension? You can select from 1 to 5 answers. There are several possible answers. Registration was successful!

If you need help with legal references, you have a complex case, and you don’t know how to draw up documents, the MFC unreasonably requires additional papers and certificates, or refuses them altogether, then we offer free legal advice:

.

Personal account of JSC "NPF RGS"

As for the structure of distribution of investments for pension savings, it looks like this: purchase of securities 0.32% deposits in deposit accounts in banks 52.43% purchase of bonds of economic entities of the Russian Federation 25.04% investments in bank accounts 22.15% acquisition shares of manufacturing enterprises of the Russian Federation 0.06% This distribution allows NPF "RGS" to receive significant income from various sources of financing, which helps to increase the amount of pension savings. Pros and cons The non-state pension fund "Rosgosstrakh" has been successfully operating for more than 10 years. Over the years, it has gained a great reputation, so NPF Rosgosstrakh has entrusted its pension savings to 1.5 million Russian citizens.

How to find out how much pension savings are in Rosgosstrakh

The Russian Pension Fund provides an online service for checking pension savings after providing the SNILS code. The request is sent via the Internet without leaving your home. This method allows you to constantly monitor the receipt of contributions from your employer and be confident in your future.

1

What is SNILS? An individual personal account insurance number (SNILS) is assigned to every retired citizen of Russia. The insurance policy is issued in the form of a plastic card, which bears an 11-digit number and the date of registration of the owner. Having an insurance policy in hand, you can find out your pension organization and the amount of savings.

2 Where can you find out information about pension savings from SNILS? Information about personal savings can be obtained through the Unified Public Services Portal (EPGU).

The request can be sent around the clock, the answer comes in a couple of minutes. Formation of NP in OPS All employers pay insurance. contributions to compulsory health insurance at a tariff rate of 22%.

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:

Direct 16% to fear. pension 6% for NP The same right now exists for 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.

general information

Starting from 2020, every citizen is given the opportunity to create an insurance pension and savings. The first is divided into three categories:

• upon reaching the required age;
• as a result of receiving a disability group;
• upon loss of a breadwinner.

Pension savings, in turn, are also divided into three categories - one-time, urgent or targeted. The formation of rights occurs on the basis of points or an individual coefficient. Receiving old-age benefits is possible if you meet the following requirements:

• reaching the minimum retirement age . Certain categories are given the opportunity to receive early pension payments;
• achieving the minimum insurance period , which, in accordance with current legislation, is 15 years;
• obtaining the minimum number of points , which is currently 30 units.

At the end of each year of work, a citizen adds points to his piggy bank. The amount may vary depending on your retirement options. If only an insurance payment is generated, the citizen receives 10 points. When sending points to form savings, the number of the first ones will be 6.25.

The accumulation of pension contributions can be entrusted to either a state or non-state specialized organization (Pension Fund or non-state pension fund, respectively).

Different ways to find out your pension savings

The insurance company Rosgosstrakh, which originally had the name “Russian State Insurance Company,” appeared on the Russian insurance market back in 1992. It was formed on the basis of the Gosstrakh company of the RSFSR, created in 1921.

Today it is the largest group of insurance companies not only in our country, but also abroad. The insurance group includes the non-state pension fund Rosgosstrakh.

Today, the pressing question is which pension fund to transfer your pension savings to: state or non-state.

Of course, all future pensioners understand that it is financially more profitable to entrust their savings to a non-state pension fund, for the reason that here the profitability is much higher, in fact, as is the risk. Let's consider the question of how profitable it is to invest pension savings in NPF Rosgosstrakh.

NPF Rosgosstrakh - non-state pension fund - reviews

How so? Without a statement? No! Can not!

Personal statement with signatures. WITHOUT YOUR APPLICATION AND A SIGNED AGREEMENT, NO ONE WILL TRANSFER YOU ANYWHERE I don’t understand one thing, everyone is so afraid that the NPF will go bust and the money will fly away, when there is a guarantee that everything will return to the Pension Fund. and my heart senses that the state will quickly abandon us.

You are thinking correctly! The Pension Fund of Russia is all under control.

And the Pension Fund no longer knows where to get funds to pay pensioners. That’s why they came up with the idea of ​​transferring the mothballed savings of the silent people; they still lie idle, and the accounts need to be serviced. The same story happened recently I’m going to sue. How they had the audacity to transfer me from one NPF to theirs is truly outrageous!

An absolutely similar story, and at the same time they tried to sign for life insurance by silently slipping a contract for signature.

Security of funds in NPF RGS

Despite the fact that Rosgosstrakh has been recognized as one of the most reliable non-state pension funds, due to the unstable situation in the country, many citizens are interested in the safety of their stored savings. The main task of Rosgosstrakh is the safety of funds.

All citizens' contributions to this fund are insured. This means that if the fund loses its license, goes bankrupt, or lowers its reserves below the subsistence level, then all funds will be returned in full, with the exception of investment income.

Note! The risk of losing funds is minimized, since the fund invests citizens’ money only in those shares and securities that are approved by the Central Bank of the Russian Federation.

Rosgosstrakh does not invest in dubious companies. Its activities are controlled by the Central Bank, the Pension Fund of the Russian Federation and the Ministry of Labor of the Russian Federation.

We recommend that you look at our other articles on how to complete the documentation and transfer the funded part of your pension to such non-state pension funds as Sberbank, VTB 24, Gazprombank and others.

Channels of connection

Citizens can always get the information they are interested in by calling a toll-free hotline: 8-800-200-0-900 or 0530 . You can also order a call back through the fund’s website by indicating your phone number, full name and a time convenient for the conversation.

To date, more than 3 million citizens have already transferred their savings to the Rosgosstrakh Pension Fund, and since 2012, more than 800 million rubles have been paid to clients, which indicates the high confidence of citizens in this fund and its stable development.

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