The non-state pension fund "Education" has been operating relatively recently - since 2001. The Foundation was founded with the support of the Ural branch of the Russian Academy of Education and other educational institutions.
Initially, NPF "Obrazovanie" was aimed at providing pensions to employees in the public sector, but later became universal. Now the fund works with clients of any form of ownership, individuals of any age.
The institution provides free access to information for its clients, invests the invested funds, due to which each investor receives additional profit.
Programs for individuals
The main area of work of the NPF "Obrazovanie" is the provision of pensions for Russian citizens in the status individuals. After concluding an agreement with the fund, the amount begins to accumulate on the personal account, which the client himself forms, depending on the chosen insurance program. This makes it possible, upon reaching retirement age or other grounds, to receive an increased pension, which is significantly higher than the average for Russia.
Today, JSC NPF "Education and Science" has optimal programs that offer loyal conditions for the transfer of contributions.
In the field of non-state pensions for the period from 2009 to 2015, JSC NPF "Obrazovanie" showed high profitability, which, together with the "A +" reliability rating, allows the fund to receive good reviews. As part of the accumulation of non-state pensions, the fund offers 3 main programs:
. "Great Opportunities" . The program is intended for those people who have at least 20 years or more left before retirement. The advantages include a small amount of monthly contributions, a long period of accumulation, increased investment income, the possibility of inheritance, a tax deduction.
In this program, clients independently determine the frequency of contributions and their size. Investment income is accrued annually and added to the total amount of savings. Contributions can be made even after retirement.
. "Weighted Decisions" . This plan is for those clients who are only a few years away from retirement. This short-term program also allows you to take advantage of tax deduction, transfer all savings by inheritance to successors, and also soon use their own savings.
The following points are independently determined - the term of transfers, the amount of contributions, the period for receiving payments.
. "Parent Support" . This is a pension for those working citizens who want to support their relatives by accumulating a non-state pension for them. The essence of the program is that the client makes transfers to the NPF, they settle on a personal account, immediately after the first transfer, the person specified in the contract can receive a pension payment.
These contributions are also inherited, the amount of the pension is determined by the client. The person who deposits funds into the account is entitled to a tax deduction.
Non-state pensions in your own name or in the name of third parties, formed in the NPF "Education and Science", allow you to receive increased payments by investing money and receiving investment income, which can be tracked through your "personal account".
Pension co-financing
The concept of state co-financing of a pension includes the following nuances - all funds transferred, including to personal accounts in the NPF, are doubled or multiplied by the state by 4 times, provided that a pension is not received upon reaching retirement age. The maximum pension increase limit is 12,000 rubles, the program period is 10 years.
There are several ways to receive funds that have accumulated in personal accounts:
- urgent payment - the minimum period for receiving a pension is 10 years;
- perpetual payment - in this case, all accumulated savings are included in the funded labor pension.
Under certain conditions, the funds accumulated under the co-financing program can also be inherited. However, the funds cannot be transferred to successors if the insured person dies after the appointment of a payment that is issued indefinitely. In other cases, the funds in full, including investment profit, are transferred to successors on the basis of the relevant document.
Cooperation with the fund
To conclude an agreement on the OPS and the formation of a non-state pension, you must do the following:
- visit one of the NPF offices;
- apply through the official website of the fund;
- take a fund specialist at work or at home.
When transferring from the PFR to the NPF "Obrazovanie", it is necessary to apply for an OPS with the previous insurer. This can be done personally in the client department of the PFR, as well as through a representative if he has a notarized signature of the insured person.
According to the programs of co-financing and accumulation of non-state pension, the client is obliged to transfer contributions independently. You can do this in the following ways:
- through branches of Sberbank of Russia using a receipt, which can be obtained at the cash desk or on the NPF website;
- by holding a part wages, for which it is necessary to draw up an application and submit it to the accounting department at the place of official employment.
To transfer to NPF "Education" maternal capital, it is necessary to conclude a service agreement with the FIU at the OPS, and then draw up an application for transfer to the NPF. In this case, it is necessary to have an application for the disposal of funds or part of them, a certificate, SNILS, a Russian passport.
NPF 2016 presents JSC NPF "Education and Science"
JSC NPF "Education and Science" was established in 1994 by the All-Russian Trade Union of Education with the support of the Ministry of Education Russian Federation in order to increase the level of pension provision for workers in the field of education and science, as well as their families.
07/24/2015 Rating agency RAEX ("Expert RA") assigned JSC "NPF "Education and Science" at level A "High level of reliability". The outlook on the rating is “stable”, which means that there is a high probability that the rating will remain at the same level in the medium term.
Today, each of us has to make a choice that in the future can seriously affect the size of the labor pension. At our choice, the pension can be insurance and.
Do not be afraid that non-state pension funds will not fulfill their obligations. The state transferred the functions of maintaining and increasing the funded pension to non-state pension funds (NPF), exercising direct control over all operations. But before choosing a fund, you need to check the availability of the fund in
Now most people are striving to take care of their own future in advance, which is why they often turn to non-state pension funds in order to make contributions to pensions and not worry about unhappy old age in the future. It is worth talking about NPF education and the official website.
Official website of NPF Education
NPF Education the official website of Yekaterinburg and the Pension Fund itself were created in 2001 Russian Academy education. At first, the organization was focused only on the budget, but subsequently the company developed rapidly, as a result, the restrictions were eliminated.
The company is currently working on different methods for all citizens of the country. A few years ago, the organization entered the state insurance department.
NPF Reliability Rating Education
At present, Obrazovanie NPF has a fairly stable level of A +, it shows high reliability, which speaks for itself. The Fund can be trusted, it seeks to win the favor of clients and conscientiously performs its work.
According to the RA Agency, it becomes clear that the term of the rating has expired, and the fund has refused to conduct another assessment study. However, until 2016, the rating remained at a high level.
The return of the fund has not been presented at present, however, it is known that the organization received the highest income in 2009 and 2016.
Branch NPF Education and Science
The work of the fund is carried out in various directions. The formation of JSC APF is engaged in providing pensions to non-state citizens, forms additional pension savings and manages them, and also participates in the mandatory pension insurance program.
The organization works according to the legislation of the Russian Federation, so you can be sure of its reliability and stability.
The Fund develops various pension programs, including corporate ones, which help employers and managers to work with new social technologies and attract experienced specialists to the organization, provide material support for employees after they go on a well-deserved rest.
If the client decides to apply to this organization, then he is guaranteed to receive a significant increase in the official pension payment and keep his own cash and savings, gain confidence in the future.
Contact Information
The main office of Yekaterinburg NPF Education is located at:
You can contact the specialists at (343) 379-22-56.
Personal account of NPF Education - registration and entry
In order to get into your personal account, you should go to NPF Education, the official website is located at http://npfo.ru. Portal users can use a special calculator, read about the latest events and view reports.
Addresses of branches and representative offices of NPFs Education
Yekaterinburg
620 026, Yekaterinburg, Belinsky, 56, office 301 - 304
Phones: +7 (343) 379 - 22 - 56, 379 - 22 - 54
Omsk
Omsk, Frunze, 40 A office 201 - 13.
Phones: (3812) 21 - 24 - 16, +7 960 - 998 - 61 - 24
Serov
Serov, Karl Marx, 26, office 27.
Phone: (34385) 7 - 77 - 57.
Ufa
Ufa, Zhukova, 22, office 206,
Phones: (347) 279 - 92 - 40, +7 927 - 303 - 77 - 61
The role of the trade union in resolving issues of pension provision
Interview with Vladimir Livshits, secretary of the office of the All-Russian Trade Union of Education on economic issues, dedicated to the issues of pension provision for public sector employees and the main activities of the Trade Union in the pension services market.
Vladimir Livshits: We are forming the institution of pension commissioners. These are representatives of the regional (interregional) organizations of the Trade Union, which will interact with the funds for the organization of pension services. Our main task is to explain today's and tomorrow's situations, to convey to people independent and objective information about what awaits them in the pension market and what decisions they can make for themselves.“.
NPF "SAFMAR" warns: save your income!
Early transfer of your pension savings in the current 2017 from fund to fund can lead to a loss of up to 27% of savings.
Losses can amount to tens of thousands of rubles!
Why is this happening?
According to the federal law dated December 28, 2013 No. 410-FZ, since 2015 there has been a rule on the early transfer of pension savings from one pension fund to another. When transferring more than once every five years, the insured person loses the investment income earned by his previous insurer. If the savings are in the same fund for 5 years, then all income earned during this period is fixed on the account of the insured person and guaranteed by the state.
In 2017, the five-year term expires for insured persons whose contract on compulsory pension insurance(hereinafter referred to as GPT) with the previous insurer came into force in 2013. This category of clients will not suffer losses when applying for the choice of a new insurer (in this case, the savings will be transferred to the new fund in 2018 - that is, just after the expiration of the 5-year period).
For other insured persons, transitions in 2017 will be early. The table below shows what the losses can be.
Consequences of choosing a new insurer in 2017:
(year of application - 2017, year of receipt of savings to the new insurer - 2018)
| The year when your savings were received by NPF SAFMAR | The period for which you lose income |
| 2011 and earlier | |
| 2012 | Loss in one year: 2017 |
| 2013 | no loss |
| 2014 and 2015* | Three-year loss: 2015-2017 |
| 2016 | Two-year loss: 2016-2017 |
| 2017 | Loss in one year: 2017 |
| * By decision of the Russian government, the transition campaign in 2013-2014 was doubled - applications for the transfer of savings submitted by insured persons during 2013-2014 were considered in 2014, and the savings were received by the new insurer in 2015. | |
How much can I lose?
Below is the yield that was accrued to the accounts of clients-insured persons of NPF SAFMAR JSC in 2015-2016, previously clients of NPF Education and Science JSC. The investment results for 2017 will be summed up at the end of the current year, and it will be possible to evaluate them no earlier than March 31, 2018.
Annual return on pension savings accrued to customer accounts (in %):
The exact amount of losses in case of early transfer of savings depends on the amount that has formed on your account. The higher the account size, the higher the investment income in absolute terms. Information on the amount of loss of investment income can be found in personal account on the website of JSC NPF SAFMAR - https://client.npfsafmar.ru/.
Taking into account these risks, the branch “Education and Science” joint-stock company“Non-State Pension Fund “SAFMAR”” recommends that its clients - insured persons get detailed information about the state of their pension savings account and assess possible losses before making a decision to change the pension fund.
Can losses be avoided?
If you have already entered into a compulsory pension insurance contract with another fund in the current year without being informed of the loss of investment income, and now you want to cancel your decision, you can do the following.
Contact the new fund and demand that the agreement be canceled on the grounds that you were not informed of the loss of income. Require the fund to send you documentary evidence that the contract has been cancelled.
The new fund may refuse to cancel if it has already submitted your contract for consideration to the Pension Fund of Russia (PFR; this is the authorized body that decides on the satisfaction of applications from insured persons to switch to a new insurer). In this case, we recommend that you re-apply for transfer to JSC NPF SAFMAR. You must submit an application in person - at a branch of the Pension Fund of Russia or at one of the multifunctional centers "My Documents" (MFC). The latter option is more convenient - MFCs work on Saturdays, they have an electronic queue and the waiting time usually does not exceed 15 minutes.
We recommend that you reapply in December! By law, if the Pension Fund of Russia receives several applications from the insured person during the year, then the application with the latest filing date will be accepted for consideration. Thus, the PFR will accept your application for transfer to NPF SAFMAR JSC for consideration.
Make sure that you avoid the illegal transfer of savings and save investment income! According to the current procedure, information on the results of the transition campaign is updated until March 31 of the next year. You can check which fund your savings are in in your personal account on the public services portal - https://www.gosuslugi.ru/.
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