About the Safmar Foundation
NPF Safmar is distinguished from other funds by its belonging to a large financial holding company. Thanks to this, citizens’ pension savings are invested more wisely and profitably, and Safmar itself is among the top five in terms of annual profitability and anti-inflation.
In addition, the fund is a member of various associations - ANPF, Russian-British Chamber of Commerce, AEB, Franco-Russian Chamber of Commerce and others.
The name “Safmar” appeared only in 2020; before that time, the fund was known as Raiffeisen. The reorganization of the funds, including the European one, was carried out in 2020. And in 2020, the Trust Foundation, among others, was added to Safmar.
The total assets of the funds under the new name amounted to just under 300 billion rubles. There are eight and a half billion in reserves. The number of Safmar clients for 2020 is one of the largest in the country - almost 4 million people.
How to transfer a funded pension to JSC NPF "SAFMAR"?
Since 2020, applications for transfer (change of NPF) are accepted from insured persons only until December 1 of the current year. Applications are accepted:
- through the unified portal of public services gosuslugi.ru (EPGU);
- through the personal account of the Russian Pension Fund on pfrf.ru;
- in person at the territorial offices of the Pension Fund;
- through a representative on the basis of a notarized power of attorney.
Please note that if you switch early, you may lose investment income.
Info
22% per month is deducted from salary for pension. The deducted amount is divided into two parts: 16% remains in the Pension Fund as an insurance pension, transferred to points, 6% goes to a funded pension. The future pensioner can leave the savings share formed in rubles in the Pension Fund or transfer it to a non-state pension fund.
The amount of pension accumulated in a private fund is determined by length of service, salary, and profit from participation in investment projects. The accumulated money is paid monthly after reaching retirement age, but it is possible to receive the entire amount at once. Contributions transferred to the account can be freely managed and transferred to heirs at the accumulation stage.
The volume of pension savings increases if the client is a participant in a state co-financing project. You can also invest maternity capital.
Attention
The fund's participation in the system of guaranteeing the rights of insured persons makes it attractive among potential clients. The main page of the official website has a navigation menu with all the necessary sections - from the general information block to the personal account service. The latter allows you to get timely access to your pension account, monitor its growth, and control the flow of funds.
Only participants in the compulsory pension insurance program, SNILS, can register.
You will also need to enter your email address and mobile phone number (if available).
After confirming your registration, you will have access to all important information regarding your future pension.
You can also find a convenient pension calculator on the website, which will allow you to calculate the amount of future non-state payments.
The client needs to take into account that when the contractual relationship is broken, financial losses are inevitable:
- investment profits are not transferred for the entire financial year;
- Tax (13%) is withheld from the client if the money is transferred to a bank account;
- translation costs are paid by the client.
For private clients
The section for non-legal entities is the largest. Here you can find all types of insurance that Safmar provides - compulsory insurance, individual, co-financing, etc. The Fund has two main areas of activity and provision of services for individuals - these are:
- OPS – disposal of the accumulative part of your pension savings.
- NPOs are personal plans that allow you to independently save for a “second pension” and then receive it through Safmar.
The profitability of these areas is ensured by the Fund's investments in the financial market and commercial real estate. Safmar shows excellent profitability and has a positive outlook for next year.
Funded pension
OPS in Safmar is formed in exactly the same way as in the Pension Fund, but the profitability and growth of funds can be higher due to profitable investments of a non-state fund (the Pension Fund is limited in the choice of companies where it can invest).
Upon reaching retirement age, payments from Safmar begin to come in the same way as they would come from the Pension Fund, but due to more profitable accumulation there is a chance to receive a larger pension.
In order for savings to be transferred from the state fund to this one, you must go through the procedure for transferring to the Fund. On the page - https://www.npfsafmar.ru/chastnym-klientam/nakopitelnaya-pensiya/ you can find out all the information you are interested in in detail, with links to laws.
Individual plans
Safmar also makes it possible to save personal money for the formation and subsequent payments of another pension. Just as with the savings part, this money will be invested by the Fund in various instruments for the entire time that you are a client. This way they will also generate income for you. Subsequently, you will be able to receive a significant increase in government payments, while spending even a small amount every month - for example, 2 thousand rubles from your salary. The fund will accept all these funds and try to make money with their help.
Individual pensions section on the page - https://www.npfsafmar.ru/chastnym-klientam/individualnye-pensionnye-plany/.
Such plans are also beneficial in that you can independently decide exactly how and for how long the payments will continue. In addition, these funds are inherited, which will provide not only you, but also your offspring in case of any force majeure. Also, you can withdraw money from Safmar at any time without losing income from it. See the link above for terms and conditions.
Transfer to NPF Safmar in 2020
To transfer your OPS pension to Safmar you can:
- Use the State Services website and transfer savings online (in the pensions section of your personal account).
- Submit an application to the Pension Fund so that starting from the new year all your money will go to Safmar and begin to generate increased profitability for you.
- Use the pensioner’s personal account on the Pension Fund website.
- Make a power of attorney for your representative to submit all applications to the state fund for you.
Remember the transition rules. If you have switched funds in the last five years, you may lose income when you transfer funds!
In addition to the application to the Pension Fund, you will need to enter into an agreement with a new insurer - to do this, take your passport and SNILS and visit one of the Fund’s offices in your region. Contacts and branches can be found at the link - https://www.npfsafmar.ru/kontakty/.
Your pension will not be transferred to the fund immediately. The money will be credited to your Safmar account only after the new calendar year begins. Also, an application for transfer of funds must be submitted to the Pension Fund no later than December 1 of this year if you want Safmar to invest your funds in the first quarter of next year. Otherwise, the transition will be carried out in a year, and all this time the money will be kept in the Pension Fund.
Who can receive the funded part of the pension at a time
One-time payments can be withdrawn from a non-state pension fund if the conditions stipulated by the legislation of the Russian Federation are met. The citizen's age must meet the requirement: born in 1967 and older. The law provides for cash payments of the funded component in the event of:
- receiving a minimum old-age pension;
- participation in the savings co-financing program;
- monthly funded payment of no more than 5 percent of the old-age pension, taking into account the fixed part.
Citizens who have:
- certificate for maternity capital, used to increase private entrepreneurs;
- survivor's pension;
- disability related to disability;
- insufficient length of service for an old-age insurance pension;
- the right to social state pension provision.
Procedure
To withdraw the accumulated part of the funds from the NPF, you need to submit a package of documents. The list of securities is stipulated by the fund to which the citizen has entrusted the management of pension savings. To receive a one-time payment you must:
- Apply in person or through the official website of the NPF.
- Submit an application.
- Attach a package of documents.
- Register papers.
- Receive a receipt.
- Specify the deadline for making a decision.
- Wait for an answer.
to corporative clients
Corporate programs are individual for each company. “Safmar” allows employers to open Personal Accounts for their employees, so that additional payments can be made from there. Pension contributions for corporate services are paid by the employer, and the employee himself from his salary - this is a unique individual security plan, often implemented in large corporations that are concerned about the well-being of their employees.
To find out if your company has company pensions, ask your boss or the accounting department. If the company is serviced through Safmar, you will receive more comprehensive pension coverage and support.
Security and privacy rules
To protect the personal data of clients, the non-state pension fund Safmar uses modern developments in its personal account. But to prevent scammers from violating confidentiality, the user must follow a few simple rules.
After logging in for the first time, it is recommended to immediately change your password. It should be long and contain both numbers and letters. It is better to disable automatic form filling. These simple recommendations will help protect your personal data. If suspicious situations arise, you should immediately contact support.
Important! It is recommended to use only trusted browsers to log into your personal account. It's good when they are equipped with a protection system.
Safmar personal account
For all clients, NPF Safmar offers a service for monitoring accounts and pension credits and payments - a personal account. If you were served in one of the funds that are now included in this fund, you can use the login-password combination that was set for your previous account. If you are a new client, you will have to go through the registration procedure.
Registration
For 2020, due to major reorganizations and mergers of funds, registration of new users under individual plans (who independently contribute pensions to Safmar) is not carried out. When the technical possibility arises, the fund will again open the possibility of informing online, but for now all the information you are interested in can be obtained by phone numbers - 8 (800) 700 8020, +7 (495) 777 9989.
For those who are served under OPS, registration is carried out as follows:
- On the page https://client.npfsafmar.ru/register.asp there is a form that should be filled out.
- Enter SNILS, mobile and email.
- Click "Register" and follow the onscreen instructions.
If you do not have an OPS agreement with NPF Safmar or your funds have not yet been transferred from the Pension Fund to the fund, registration may be refused. As soon as the contract with the fund begins, you will have access to information about your personal account.
Safmar NPF view pension calculation application
They accepted a package of documents for payment, and a month later it turned out that I was denied payment and the funded part was assigned to me for life. That is, my savings have been divided over 20 years and they will pay me 1 thousand monthly. I do not like it. What can be done in this situation? Can I refuse such a payment? Maybe it makes sense for me to switch to another fund? During the transition, I will lose interest on the SAFMAR investment and maybe then my savings will not exceed the stated 5% and I will be able to receive my savings in a lump sum or it will be possible to divide the savings over a shorter period of time.
There is no point in switching, because... it does not depend on the fund. The funded pension is assigned in monthly payments if the amount of the funded pension is more than 5% of the insurance amount.
Federal Law of December 28, 2013 N 424-FZ (as amended)
There is no registration on the site as such. When a client signs an agreement with the fund, the service employee gives him a login and password to log into his account.
To log in, the user clicks on the “Personal Account” button in the upper corner of the main page on the right side.
