1. NPF welfare became bankrupt, how can I get my money back, which I have to be paid within 5 years, since I am a pensioner since July 2017? I was told to write a letter to the Deposit Insurance Agency, and to clarify whether I will be in the register for payment.
Is this really so?
1.1. In accordance with the decision of the Arbitration Court of the Irkutsk Region, the operative part of which was announced on January 16, 2019, in case No. ), OGRN 1143800000013, INN 3808577700, registered at the address: 664011, Irkutsk, st. Rabochaya, 3, bldg. B, declared insolvent (bankrupt), bankruptcy proceedings were opened against him. The powers of the bankruptcy commissioner are exercised by the state corporation "Deposit Insurance Agency" (TIN 7708514824; address: 109240, Moscow, Vysotsky st., 4) (hereinafter referred to as the Agency).
In order to participate in the bankruptcy case, creditors have the right to declare their claims to the Fund within two months from the date of publication of this announcement in the Kommersant newspaper. The bankruptcy commissioner takes into account the received claims in the register of the declared claims of creditors, which is subject to closure after the expiry of the above period.
Creditors 'claims included by the liquidator in the register of creditors' claims (hereinafter referred to as the Register) of OJSC NPF Blagodenstvo in the course of compulsory liquidation are considered established in the amount, composition and priority of satisfaction, which are determined in accordance with Federal Law No. 127- Federal Law "On Insolvency (Bankruptcy)", and are included in the Register in the bankruptcy proceedings.
In other cases, creditors' claims are sent to the bankruptcy commissioner with the attachment of judicial acts or other original documents that have entered into legal force or their duly certified copies confirming the validity of the claims, as well as to the Arbitration Court of the Irkutsk Region and the Fund.
Creditors' claims, as well as other postal correspondence are accepted by the bankruptcy administrator and the Fund at the address: 127055, Moscow, st. Lesnaya, house 59, bldg. 2.
When filing claims, the creditor indicates information about himself, including the last name, first name, patronymic, passport data (for an individual), name, location (for a legal entity), as well as bank details (if any). In addition, it is recommended to indicate the date of birth, mailing address, insurance number of an individual personal account (for an individual), TIN (for a legal entity) and a contact phone number (if any).
Information on the progress of bankruptcy proceedings in relation to the Fund can be obtained on the official website of the Agency in the information and telecommunications network "Internet" (www.asv.org.ru, section "Liquidation of NPFs") and by calling the hotline: 8-800-200-08 -05 (all calls within Russia are free).
2.1. Good day to you. If you want to go to the state PF, you need to write an application to the PF at the place of registration. Good luck and all the best.
2.2. You need to write an application to the Pension Fund, write it in two copies, the receiving party must sign on your copy.
3. How to get money back from NPF "Prosperity"?
3.1. Hello! The powers of the liquidator are exercised by the state corporation "Deposit Insurance Agency" (TIN 7708514824, address: 109240, Moscow, Vysotsky st., 4) (hereinafter - the Agency).
In accordance with paragraph 2 of Article 187.11-1 of Federal Law No. 127-FZ dated 26.10.2002 "On Insolvency (Bankruptcy)" from 27.03.2017 to 03.04.2017, settlements will be made using the Fund's pension savings with the Central Bank of the Russian Federation, in the amount of 0.88% of the amount of unsatisfied claims, by transferring funds to the bank account details specified by the creditor.
Information on the procedure and conditions for making payments can be obtained by calling the hotline: 8-800-200-08-05 and on the Agency's official website in the information and telecommunications network "Internet".
4. How to return money on a deposit in NPF Prosperity if in the 1st quarter of 2015 I was credited with 1200 rubles per month for 5 years, and I received this money only for less than a year?
4.1. Good afternoon.
5. How to return money on a deposit in NPF Prosperity if in the 1st quarter of 2015 I was credited with 1200 rubles per month for 5 years, and I received this money only for less than a year?
5.1. Good afternoon.
Are the deposits insured? If yes, then you need to contact the insurance company.
If not, then you can go to court with a statement of claim for the return of funds, interest, compensation for losses.
To do this, you need to draw up a statement of claim, legally substantiate your claim and go to court. The faster you do this, the more chances you will get your money back.
6. How can I get money back from NPF prosperity Anatoly.
6.1. How can I get the money back from the NPF prosperity Anatoly. Good evening, contact the Pension Fund at the place of residence with a statement.
In addition to the state institution, about hundreds of non-governmental organizations carry out activities related to the provision of pensions to citizens of our country. Among them is the NPF Blagosostoyanie, established by the Russian Railways more than two decades ago and invariably occupying a leading position in the pension services market in terms of a number of indicators.
Performance indicators of NPF Blagosostoyanie
The non-profit organization NPF Blagosostoyanie was registered in 1996. The most important element of its activity is the implementation of a social policy aimed at employees of the railway industry.
Along with corporate offers, which can only be used by employees of the Russian Railways holding, the fund offers individual pension programs (NGOs).
NPF Welfare is the largest fund in our country. It consists of 1.2 million people. The number of participants to whom NPF Blagosostoyanie pays additional pensions exceeds 354 thousand.
The volume of the fund's pension reserves is 346 billion rubles. Own property is estimated at 357 billion rubles.
Reliability rating
Based on the results of the assessment, the RA expert assigned the A ++ rating to the fund. This means that, with an extremely high degree of probability, the organization will fulfill its financial obligations, regardless of the economic situation.
The fund received a similar assessment from the National Rating Agency. The level of reliability corresponds to the maximum (AAA).
Fund performance
Profitability is the most important indicator by which one can judge the success of the fund's financial operations, and hence the competent management of the money of its participants.
To accumulate a pension, the profitability of NPFs must be higher than the inflation rate. As a rule, stable, serious funds show an annual return of 8-10%.
The average profitability of NPF Welfare from 2003 to 2016 was 8.9%, and in 2016 it reached 10% per annum.
Pension in NPF Blagosostoyanie
As mentioned above, NPF Blagosostoyanie has two NGO programs:
- corporate;
- individual.
Both the first and second options involve the accrual of income secured by the fund as a result of investment operations to the clients' accounts. Let's take a closer look at each of the packages.
For employees of Russian Railways
The corporate pension system, being one of the elements of the social policy of Russian Railways, allows employees, together with the employer, to form an additional pension for themselves. It is enough to submit an application to the personnel department of the enterprise and choose the most convenient pension scheme.
During each year (until the pension is assigned), the client has the right to change the scheme once. The transferred employer contribution is calculated.
Participants in the corporate proposals of NPF Blagosostoyanie begin to receive an additional pension when:
- reach retirement age;
- they are assigned an early insurance pension for old age or disability;
- leave the Russian Railways.
It is also worth noting that in order to assign an industry pension to employees of Russian Railways, it is necessary to contribute funds to the NPF Welfare for at least five years.
Individual pension schemes
An individual pension plan is an agreement concluded between an individual and NPF Blagosostoyanie. On its basis, a personal account is created, to which the owner deposits funds. The amount of contributions and their frequency are not regulated. The fund, in turn, invests the client's money, and accrues income based on the results of the investment.
Participation in the program involves the payment of an initial contribution of at least 10 thousand rubles.
In case of early termination of the agreement, the amount deposited into the account will be returned in full within two months. If the agreement has been in effect for more than a year, the fund will charge the actual rate, if less - 4%.
Welfare makes payments to the funded part of the pension of the NPF on a monthly basis for at least two years. A lifelong pension is also provided. Clients have the right to appoint a beneficiary of funds both during the accumulation and during the period of receiving payments.
Application for the transfer of the funded part of the pension
To join NPF Welfare, employees of Russian Railways just need to contact the personnel department of the enterprise, fill out a subscription list and draw up an application for withholding contributions from wages. The application form is determined by the local regulations of the fund.
Persons whose work activities are not related to Russian Railways can receive advice and calculation of the key parameters of the program at the office of the NPF Blagosostoyanie. To conclude an agreement, they will need an identity document and SNILS.
Personal account of NPF Blagosostoyanie
A personal account is an online service available to all persons belonging to the NPF Welfare, subject to two conditions:
- the NGO agreement entered into force;
- the client signed an application to connect to the service.
The application can be made at the personnel department (for members of the NPF Blagosostoyanie employed in Russian Railways) or at the fund's branch by presenting a passport and pension certificate.
An application form for gaining access to the personal account of the NPF Blagosostoyanie is possible. The completed document should be sent to the address of any branch of the foundation, having previously certified the signature by a notary.
A password from your personal account will be sent to the email address specified in the application. The client's SNILS number is used as a login. When contacting the fund department in person, the data for entering the account is issued immediately.
Functionality of the personal account of the client of the NPF Blagosostoyanie
The value of the property and assets of the liquidated non-state pension fund amounted to more than 3.5 billion rubles.
Recall that at the end of last year, the Central Bank revoked the license from the NPF "Prosperity", whose investors were mainly veterans - railway workers in the Irkutsk region and Buryatia, as well as workers of large industries in both regions. We are talking about tens of thousands of people.
According to analysts, the main complaint of the Central Bank was against the management company of the Investment Standard fund, which was engaged in risky operations, as well as the ultimate beneficiaries, some of them were arrested on suspicion of abuse.
According to the railway workers themselves, who worked in the High-Level Railway, at the dawn of the formation of the fund, they were literally forced to contribute money, promising mountains of gold. In many media, the founders of the fund are both the VSZhD itself and structures close to it, for example, the VSZhD trade union, VostsibZhasso and Vostsibtranscombank. It is reasonable to assume that these structures, despite the actions of the management company that led to bankruptcy, still bear some share of responsibility for what happened. However, in its official message, the railway publicly disowned "Prosperity", despite the fact that the then head of the road Komarov, chairman of the road committee of trade unions Orlov, general director of "VostsibZhasso" Berengolts, chairman of the board of "Vostsibtranscombank" Rumyantseva participated in the organization of the fund, chiefs of the economic and financial services Kautz and Sidorenko.
What should the depositors who entrusted their savings to "Prosperity" do now? According to the law, within three months after the license is revoked, the funded part of pensions is transferred to the Pension Fund, respectively, today clients can dispose of it at their own discretion - leave it in the Pension Fund or transfer it to any non-state fund. As experts explain, the funded part of the pension does not burn out in any case when the license is revoked: if the fund was a member of the pension guarantee system, then its safety is ensured by the Deposit Insurance Agency. Otherwise, compensation comes from the funds of the Central Bank.
It is much worse if the troubled NPF contains funds from non-state (voluntary) pension programs, which is what happened to most of the contributors to "Prosperity". Three months after the liquidation of the fund, a balance is determined for the payment of non-state pensions. It is established by the temporary administration of the fund, consisting of representatives of the Central Bank and the DIA, based on a comparison of the assets and liabilities of NPFs. If funds are available, they will be paid to the client. Otherwise, no.
Fortunately, the depositors of "Prosperity" were lucky, the fund's balance turned out to be positive, perhaps even enough to pay off all obligations. The only question is that many depositors do not know where to apply. The Ulan-Ude office accepted applications from citizens only until the date for which a hearing was scheduled in the Arbitration Court of the Irkutsk Region - December 17, 2015. Further, all applications had to be sent to the Irkutsk office. However, as Buryat depositors report, it is impossible to do this, all announced telephones are turned off, and there is no information in the media.
As it became known to the "Respublika", today the Deposit Insurance Agency is engaged in the liquidation of the fund by a court decision, the representative of the liquidator is Alexander Mikhailovich Kozhemyakin. The first publication of information about the liquidation of the fund was published in the newspaper "Kommersant" on 12.21.2015. Within two months before the closure of the register of declared claims of creditors (up to 26.02.2016 inclusive), depositors had to submit their claims to the ASF with the attachment of documents confirming the validity of the claims. In the event that depositors did not have time to submit applications before this date, they can still do so, however, their claims will be satisfied only after the claims of the creditors entered in the register have been satisfied.
Requirements and original documents, or their duly certified copies, confirming the validity of the claims, as well as a copy (if any) of an effective judicial act confirming the requirements for the fund, can be submitted to the representative of the liquidator at: 127055, Moscow, st. Lesnaya, d. 59, bldg. 2... When making claims, you must indicate information about yourself, including the last name, first name, patronymic, details of an identity document (for an individual), name, location (for a legal entity), as well as bank details (if any).
Information on the progress of liquidation in relation to the fund can be obtained on the official website of the Agency (www.asv.org.ru, section “Liquidation of NPFs”) and by calling the hotline: 8-800-200-08-05.