Personal account of npf neftegarant. Npf "neftegarant" - personal account npf rosneft

The reforms are pushing the citizens of the country to take care of the future. NPF Neftegarant will help to provide for itself after leaving work for a well-deserved rest. Consideration should be given to how to get closer to the standards of Europe, where the norm is the substantial payment of pensions to ensure an optimal standard of living for citizens.

An employee must independently take care of a dignified existence in his mature years, therefore, he should strive to improve his financial situation long before the onset of old age. The sooner a citizen begins to think about a decent life, the more chances he has to secure the future.

Important! A citizen needs to take care of himself on his own to ensure his existence in the future!

Official website of NPF Neftegarant

For many years, the Non-State Pension Fund "Neftegarant" has been providing non-state support for citizens working in various sectors of the economy and entrepreneurship.

NPF "Neftegarant" has an official website, expands the number of regions in the field of activity. It includes many structural subdivisions practically throughout the entire territory of Russia.

The main features of the organization are responsibility, investment and financial policy of maximum efficiency, reliability, profitability, professionalism and safety of funds. The company is ready to fulfill its obligations, it justifies the trust of citizens in non-state support.

Independent experts confirm that all liabilities are fully secured by assets, NPF Neftegarant JSC is in a stable financial position, is solvent and fulfills its obligations in full.

Reliability rating of NPF Neftegarant

To date, the non-state pension fund "Neftegarant" has posted a reliability rating for clients on its official website. In February of this year, the National Rating Agency confirmed the organization's reliability rating and gave it the maximum degree.

Important! The company is now the most reliable and leading non-governmental organization in the country, it deserves trust.

Fund profitability by years

Every year the company brings more and more profitability from the placement of funds from pension reserves. You should look at the data in the table.

Indicators Profitability

You should pay close attention to the following points:

• The income from the placement of reserves can not only increase, but also decrease.
• Past investment cannot be decisive for calculating future returns.
• The state is not a guarantee of profitability when placing reserves.
• When concluding a contract, you should read the rules of the pension fund.

Fund "Neftegarant" programs

To ensure social protection in the future, you should read about the conditions of the following effective programs:

• On non-state pension provision.
• On compulsory pension insurance.

When concluding an agreement, non-state pension provision provides additional money for retirement not only to an individual citizen, but also to his relatives and friends, because an agreement can also be concluded in their favor.

When concluding an agreement on non-state security, one should express individual desires and preferences, pay attention to one's own capabilities, independently determine what amount of funds and contributions can be transferred to the company.

Also determine the frequency and time period for receiving additional pension. You can conclude a contract for life maintenance or for several years.

It is also necessary to decide on the right to inherit the amount of money in the event of the death of the citizen specified in the contract, whether the relatives will have the right to receive the amount of money from the fund or not. Only then will you need to choose a pension scheme.

The contract takes into account the contributions that are reflected in the personal account, investment income is accrued. When the onset of pension grounds occurs, an additional pension is assigned and paid according to the conditions specified in the contract.

Upon termination of the contract, the organization returns the transferred funds and contributions, as well as the accrued investments to their owner.

To conclude an agreement, you need to enter the official website in the capital or other divisions in the search query of JSC NPF Neftegarant and contact the employees.

Compulsory pension insurance implies the execution of an agreement and the fulfillment of obligations on pension insurance. Joint Stock Company "Neftegarant" has the rights to fulfill obligations.

Important! When making a contract, you need to familiarize yourself with its terms!

To obtain the necessary information on the conclusion of contracts, payments and settlements, their types, means of pension savings, as well as to learn about government programs and co-financing of pensions, follow the link "Neftegarant" pension fund official website, and contact the staff.

Pension business "Region"

Joint Stock Company NPF "Neftegarant" ranks 19th in terms of pension savings and manages 6.6 billion rubles. from 65 thousand clients. The fund was formed in 2014 as a result of the reorganization of the NPF of the same name, which was divided into two companies: a joint stock company and a non-profit pension fund, indicated on the NPF website. "Neftegarant", operating as a non-profit organization (NPO), owns the remaining 30% stake in NPF through a subsidiary company "RN-Pension Assets", follows from the data of "Spark". According to the information on the website, the NPO was established by the oil company Rosneft "to provide additional non-state pension coverage for employees." Now it ranks 4th in terms of pension reserves and allocates 46.7 billion rubles. reserves from 145 thousand Russians, follows from the data of the Central Bank.

In the fourth quarter of 2017, the investment company GC Region became the owner of 9.9% of NPF Soglasie-OPS, the main owner of which is the Rossium concern of Roman Avdeev. This fund is in the top 10 in terms of retirement savings. According to the Central Bank, in the first nine months of 2017, the fund worked with 75.3 billion rubles. savings.

In addition, the "Region" group already owns a small NPF "Tradition", which works only with pension reserves (124.8 million rubles, according to the Central Bank).

Region has no plans to pool funds, says a company spokesman. The representative of the “Region” refused to comment on the transaction to acquire a block of shares in NPF Soglasie-OPS. The GC has no plans to buy other pension assets, he stressed.

The Region group of companies also has management companies (MC) through which NPF Soglasie-OPS and Neftegarant invest pension funds. Region Trust Management Company works with both funds, while Region Asset Management cooperates only with NPF Soglasie. According to the legislation, the management companies do not have the right to manage the funds of the fund affiliated with them, so the "Region" will have to change the structure of investment of pension savings. “The issue of affiliation will be resolved in full compliance with the requirements of the current legislation,” the representative of the Civil Code points out.

Rosneft, apparently, is restructuring pension assets, said Pavel Mitrofanov, managing director for corporate ratings at Expert RA. In 2014, when the funds working with pension savings were going through corporatization, Rosneft divided the pension business, leaving one NPF the opportunity to work as an NPO, he recalls. Until the beginning of 2019, when all funds (including funds working with reserves) will have to become joint-stock companies, perhaps Rosneft plans to merge the two NPFs again so as not to duplicate operational processes, the expert suggests. Region is considered close to Rosneft in terms of deal structuring. In addition, now all banks are clearing the balance sheet and leaving on it the most liquid and marketable assets. All these factors indicate that we can still see a change in the ownership structure of this NPF, ”the analyst concludes.

Private pension funds allow you to accumulate capital for retirement. NPF disposes of funds received from pension contributions, investing them in securities and other assets.

Upon retirement, the pension fund participant receives his savings and income from investments.

About the fund

The non-state pension fund "Neftegarant" began its activities in 2006. The first goal of the institution was additional pension provision for employees of Rosneft and its enterprises.

Non-state pension provision and pension insurance are priority services provided by the fund to both individuals and employees of enterprises in various industries.

Rating

Currently "Neftegarant" is one of the leading funds providing pension services to the population.

On February 2, 2019, the fund was assigned the highest reliability rating "AAA.pf", confirmed by the "National Rating Agency".

Profitability

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!

In 2006, the profitability of the organization reached the highest level - 20.10%. In 2008, the minimum level of return of the fund was registered - 0%, during this period "Neftegarant" went into negative territory. Over a seven-year period (2006 - 2012), the total return rose to 61.98% and continued to grow rapidly.

Profitability of NPF "Neftegarant" for 2017:

What programs exist

There are two programs for individuals:

• non-state pension provision;
• compulsory pension insurance.

A distinctive feature of the non-state pension program is the ability to provide a pension not only to yourself, but also to your family members, if this is provided for by the terms of the contract.

When contacting the fund, the investor himself chooses the terms of the contract. It includes items such as:

• the amount of pension contributions;
• the frequency of receipt of funds;
• the term for the payment of the pension (for life or for several years);
• conditions for the transfer of funds by inheritance.

After agreeing on all the nuances, the depositor chooses a pension scheme. The rules of the fund provide for two types of schemes - with a lifetime payment and "urgent", payments under it are made for a specific period.

Also, individuals in the fund are provided with a compulsory pension insurance service.

Legal entities

The corporate pension program offers corporate retirement benefits. Enterprises that create a corporate pension system for their employees are still a rarity for Russian realities.

Some believe that such a move is just a tribute to fashion. However, the joint experience of NPF "Neftegarant" and enterprises-investors proved the effectiveness and reliability of such cooperation.

Thanks to the rules for assigning corporate pensions, the company gains additional opportunities for personnel management:

• the problem of "turnover" of workers helps to eliminate the requirement for a certain work experience;
• the system of coefficients of timeliness of retirement contributes to lowering the age limit of employees and moving up the career ladder;
• the use of a parity plan, with the joint participation of the employer and the employee, increases the level of responsibility of the latter for his pension provision. In addition, such a scheme reduces the cost of the program for the company.

The corporate pension program is developed by the fund's employees individually, depending on the requirements of the employer, the amount of contributions and the internal policy of the company.

How to arrange

You can conclude an agreement with an NPF by contacting the head office in Moscow or one of the branches located in 73 regions of the Russian Federation.

Employees of the oil company "Rosneft" have the opportunity to directly contact the employee in charge of cooperation with the fund.

Attention! Before concluding an agreement, you must carefully read the "Charter" and the pension rules of the fund, having familiarized yourself with all the nuances.

Required documents

To conclude an agreement with the fund, it is enough to provide a passport and a certificate of compulsory pension insurance (SNILS).

The agreement is drawn up in two copies, one of which remains with the investor, the second remains in the fund.

Transfer of contributions

Under the terms of the concluded agreement, the investor is obliged to transfer contributions to the fund in the amount and terms specified in the agreement.

However, even in the event of termination of payments by the investor, the agreement with the fund remains in effect and the previously credited funds participate in the investment programs used by the fund.

Thus, the accrual of investment income does not stop, and the depositor can resume the transfer of contributions if possible.

For Rosneft employees, there are different rules, on the basis of which pension contributions must be credited monthly.

To transfer funds, you can use the settlement account of NPF "Neftegarant" or contact the accounting department at the place of service, providing.

Tax deduction

The current tax legislation provides an incentive for those persons who pay contributions under a pension insurance contract. On this basis, an individual can apply for a social tax deduction.

If the amount contributed for the year does not exceed 120 thousand rubles, such contributions are not subject to personal income tax.

You can apply for the payment of a tax deduction no earlier than 3 years from the beginning of the deduction of pension contributions to the tax authorities. In the event that the deduction of contributions is carried out through the accounting department at the place of service, you should contact it with a deduction of the deduction.

Payment of pension

The payment of a pension is made on the basis of the onset of the pension grounds established by the legislation of the Russian Federation. When applying to the fund, a non-state pension is assigned on the terms of a previously concluded agreement.

To receive payments in NPFs, the following documents are provided:

• photocopy of your passport;
• a certificate from the state pension fund on the right to receive a pension or a copy of a pension certificate;
• current account number or other details for payments stipulated by the contract;
• completed questionnaire;
• for the processing of personal data of an individual.

How to terminate an agreement with a non-state pension fund Neftegarant

An individual has the right to terminate the agreement with the foundation by applying in writing. In this case, the redemption amount will be paid in full.

If a contributor has entered into an agreement under a scheme with a lifelong pension payment, he can terminate it only before the appointment of a non-state pension.

In the event that a scheme has been chosen that provides for payments in a limited time, the contract can be terminated at any time.

Advantages and disadvantages

Today, many people mistrust non-state pension funds. This happens primarily due to a lack of information, so it is worth considering all the pros and cons of such a pension scheme.

The advantages of NPFs include:

• the ability to independently determine the size of future pension payments. This is an indisputable advantage and it is provided only in non-state pension funds. Each investor can take into account personal opportunities and choose the right amount for a comfortable life;
• the admissibility of receiving payments from several sources. An individual can receive a state pension and payments from an NPF. In addition, no one will prohibit applying to two or more pension funds, based on the individual payment capabilities of the depositor;
• the absence of possible changes in the state pension reform. Given the trends of recent years, one cannot be sure of the stability and reliability of government payments;
• control over the activities of non-state pension funds is carried out by the state;
• the ability to inherit your retirement savings.

Disadvantages of NPF:

• low investment income. In non-state pension funds, capital gains are very small compared to other options for deposits to receive passive income;
• it is very difficult to get your capital early from the fund, as a rule, this is done only in case of death, moving to another country for permanent residence, getting a disability and other difficult circumstances;
• savings are stored and multiplied only in rubles, there is no way to convert them into foreign currency.

Whether to become a contributor to a non-state pension fund, everyone decides for himself. Based on the information received, you can weigh all the pros and cons and make a final decision.

Every day there is more and more information regarding the emerging non-state pension funds, which are designed so that pensioners can invest their personal funds and earn good sums of money on it. But many are skeptical about such deposits, since they do not trust money to unknown organizations.

In fact, there is nothing wrong if you started investing in the fund, because this is a good opportunity for any retiree to receive a stable increase in their pension. Pension funds can be very profitable and profitable if you only use the services of a reliable and trusted fund. This is exactly what Neftegarant is. It has existed on the market since 2014 and has managed to provide millions of pensioners in such a short period of time.

If you are still tormented by doubts about the pension fund and whether to invest and trust them with your money or not, you can familiarize yourself with all the detailed information presented on the official website and learn a lot of interesting things about them. It should be noted that the most important selection criteria are played by two main characteristics - profitability and reliability rating.

Having learned the statistics of these two criteria, you can judge by it and determine what is the percentage of risk and the percentage of future earnings. We want to provide data on the specified pension fund so that you can familiarize yourself with them and draw conclusions regarding the Neftegarant fund.

Profitability

- the most important and responsible role in making a decision regarding a particular fund is played by this particular item. It provides information not only in percentage terms, but also gives information on what your chances of profit are if you invest in this fund. For example - 6.43%, which boldly gives a guarantee that your income, payments, and the funded part will be worthy.

Reliability rating

- A ++. Another important point, which is also not recommended to be bypassed when making a decision. The reliability rating also provides a guarantee that this fund is economically stable and reliable, and that you can invest in it without fear for your investment.

Good to know. When making a final decision, you should make sure that the information provided to you is true in order to avoid problems and misunderstandings with the company in the future.

How to join?

Like any other organization, pension funds have a number of requirements that must be met in order for you to become a client of them. For example, companies may ask you for a certificate of profitability, or they may express a desire to know the amount of a pension. Do not panic, as this is done in order to find out what kind of client you are and what you can offer the company.

Also, in order to become part of the fund, you must provide a number of documents that will be required to sign an agreement between the parties.

The documents are as follows:

1. Photocopy of passport or original.
2. Insurance number (SNILS).

Important. Each fund has certain requirements, and for this reason, the list is rarely the same and sometimes differs or is supplemented by others.

Personal Area

Also, for convenience, a personal account has been created on the official website, where you can get information of interest regarding deposits, payments, savings, track growth statistics, and view the operations performed.

Possibilities

Opportunities - the personal account provides a lot of convenience for the user. All that is required is to create an account, create a password and log into your personal system and receive the necessary information.

How can I find out my savings?

How to find out your savings - to get information about savings, you need to go to your personal account by typing your username and password, and click on the savings tab, which will contain the necessary information on savings and payments.

Hotline telephone number of NPF "NEFTEGARANT"

If you have any questions regarding work, call the hotline 8 800 700 65 54 which is listed on our official website. The fund's employees will be happy to answer your questions and solve the problems that have arisen.

Attention! Due to the latest changes in legislation, the legal information in this article may become out of date!

Our lawyer can advise you free of charge - write a question in the form below.

Pension services

NPF NEFTEGARANT was established by the Oil Company Rosneft in May 2000 for the purpose of providing non-state pension provision (hereinafter referred to as NPO) for the Company's employees.

The Fund has a license from the Ministry of Labor and Social Development of the Russian Federation for activities on pension provision and pension insurance dated April 26, 2004 No. 344/2 for an unlimited period of validity.

The mission of the NEFTEGARANT Non-State Pension Fund is to increase the level of social protection of the Company's employees upon termination of their employment. We work for clients, our solutions are based on the high level of our competence.

Key principles of NPF "NEFTEGARANT" activity

Fund as a reliable institution and conservative investor

As a fund that ensures the implementation of the corporate pension program of the largest public oil and gas company in the world, we operate as a highly reliable institution and a conservative investor. This fact is a significant difference between our Fund and many other market participants.

Professionalism and continuous improvement

The Foundation operates on a professional basis, attracting highly qualified specialists to work. The Foundation takes the necessary actions to maintain and constantly improve the qualifications and professionalism of its employees.

Unconditional provision of norms and requirements

The current legislation, as well as the regulations of the Bank of Russia regulating the activities of non-state pension funds, establish a high level of requirements. We consider their unconditional fulfillment as a necessary condition for the Fund's activities.

Information openness

The Fund discloses information about its activities in accordance with the legislation of the Russian Federation. We devote significant resources to outreach and financial literacy of employees. Our website publishes the information the client needs to make a decision on cooperation with the Fund.

Fair treatment

The Fund ensures fair and equal treatment of all contributors and participants of the Fund. The rights of each of our clients are equally protected.

Fund positions

The dynamic growth of financial indicators, efficient management of pension reserves and a high level of organization of risk management were noted by the leading rating agencies "NRA" and RAEX ("Expert RA") by assigning ratings of maximum reliability to the Fund.

The Fund holds leading positions among the largest NPFs in the segment of non-state pension provision in terms of the size of pension reserves and payments of non-state pension.

The main principle of the investment policy of NPF NEFTEGARANT is to obtain long-term stable investment returns while minimizing investment risks.

The investment strategy provides for a reasonable, conscientious, with due diligence placement of pension reserves exclusively in the interests of the Fund's participants.

The Foundation is constantly expanding the geography of its activities. Representative offices and separate subdivisions of the Fund have been opened in the Udmurt Republic, the Republic of Bashkortostan, Tyumen, Samara, Orenburg, Irkutsk regions, Krasnodar and Krasnoyarsk Territories, Khanty-Mansi Autonomous Okrug.

The Fund sees its task as the continuous improvement of pension provision and an increase in the level of social protection of the Company's employees.

More information about the Fund can be found on the website

NPF "NEFTEGARANT" www.neftegarant.ru.