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 to raise the level pension provision 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 reliability". The outlook on the rating is “stable”, which means high probability maintaining the rating 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 preservation and multiplication funded pension 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
NON-STATE PENSION FUND "SCIENCE AND EDUCATION"
The Fund (License No. 272/2 dated June 30, 2009) was established in 1994 on the initiative of the Trade Union of Public Education and Science Workers of the Russian Federation and the Ministry of Education of the Russian Federation in order to improve the material well-being of educators after retirement.
The Council of the Fund currently includes representatives of the All-Russian Trade Union of Education, Rosobrazovanie, the Moscow city organization of the trade union of workers of public education and science of the Russian Federation.
Merkulova G.I. is the Chairman of the Council of the Foundation. - Chairman of the All-Russian Trade Union of Education, Chairman of the Board of Trustees - Balykhin G.A. - Chairman of the State Duma Committee on Education.
NPF "Education and Science" is a member of the National Association of Pension Funds.
NPF "Education and Science" operates in the following areas:
Mandatory pension insurance (work on the formation and management of the funded part of the labor pension)
Implementation state program on co-financing of the funded part of labor pension
Additional pension provision (attracting on a voluntary basis funds from employees and employers for the subsequent payment of non-state pensions to citizens).
The cooperation of educational institutions with the fund in the framework of the implementation of pension programs allows solving the issues of financial stability of retired employees. The Fund implements joint programs on issues of pension provision for industry workers with trade union organizations from various regions of Russia.
Mandatory pension insurance
1.Principles of the formation of the funded part of the pension.
The labor pension is formed at the expense of the tax paid for you by the institution where you work. 20% of the wage fund goes to the Pension Fund of the Russian Federation.
Funds allocated for pensions are distributed between the two components of your labor pension: insurance (14%) and funded (6%).
The funds received for the insurance part are spent on paying today's pensioners.
The funds from the funded part of the pension are not used to pay pensions to others.
All money transferred by the institution for the formation of your funded part goes to your personal account in the Pension Fund of Russia. During the years of active labor activity these accounts should accumulate an amount sufficient for a secure life in old age. This is real money that needs to be protected from inflation and increased.
2. Who is entitled to the funded part of the pension:
Citizens born in 1967 and younger. Since 2008, the contribution to the funded part of the employee's pension has been 6% of the Wage Fund ( wages employee). Funded by an employer paying insurance premiums for each employee.
Men born 1953-1966 and women born 1957-1966 The funded part of the pension was formed only in 2002-2004. employer's deductions in the amount of 2% of the Payroll Fund (employee's salary). Now the funded part of this category of citizens is not replenished, but it can also be disposed of independently.
Since 2009, the legislation provides for a program for co-financing pension savings without age restrictions, so each insured person can form funds for the funded part of the labor pension.
3. What determines the size of the funded part of the pension:
The amount of the funded part of the pension directly depends on
your salary
the right choice of a manager for the formation and investment of your pension savings.
The funded component of the pension allows you to take into account the personal contribution of each person to their future.
In order for the accumulated funds not to depreciate, you can invest them, and the income received will be annually credited to your pension account. The higher this income, the larger your funded part of your labor pension will be.
Co-financing of the funded part of labor pension
1. Description of the program
The funding program is new opportunity significantly increase the funded part of the pension: gradually, year after year - to create a serious reserve for the future. The state, as an additional incentive, undertakes to double such savings, contributing its share from the budget.
The essence of the program is that a citizen voluntarily transfers money to form his funded part of the pension. The size of the transferred Money should be at least 2 thousand rubles per year. The state provides the citizen with support in an equal amount. Those. for example, a person transferred 12 thousand rubles per year. and the state at the end of the year added 12 thousand rubles to his individual personal account. The main thing to consider is that transfers must be at least 2 thousand rubles. in year. Assistance from the state varies from 2 to 12 thousand rubles. A citizen, of course, can transfer more than 12 thousand rubles to his labor pension. per year, but the state will add no more than 12 thousand rubles.
The amount of state support may be more than 12 thousand rubles. for a certain category of citizens, namely for working pensioners who have not applied for a labor pension. In this case, the ratio will not be “a thousand to a thousand”, but “a thousand to four thousand”. That is, the citizen transferred 12 thousand rubles, and the state will add 48 thousand rubles. For citizens who have issued a pension, the general procedure will apply.
56-FZ additionally gives the employer the opportunity to transfer additional contributions for the employee for the formation of his labor pension. Employers receive tax benefits.
All funds transferred by the citizen, the state and possibly the employer are included in the pension savings and are recorded on the individual pension account of the insured person. And then, in order to protect them from inflation and growth, the funds are invested in statutory okay. The future pensioner himself must choose who will do this: a non-state pension fund (NPF), a private management company, or, by default, the accumulated funds will remain in the management of the state management company - Vnesheconombank.
2. State program of pension co-financing in questions and answers
Who can participate in the voluntary pension savings program?
Absolutely all citizens, without age restrictions. There is only one condition - you must be registered in the compulsory pension insurance system, i.e. You must have an individual personal account. Thus, the law made it possible to accumulate pensions for citizens older than 1967, extended the effect of the funded scheme to workers who have reached retirement age.
Where is an application for voluntary payment of additional insurance premiums submitted?
A citizen personally applies to the territorial body of the PFR at the place of residence or by mail, while his signature must be notarized. In addition, an application can be written at the place of work (the employer submits such an application to the Pension Fund of the Russian Federation within three days) or submit an application through a non-state pension fund that has permission to carry out this type of activity.
Is there a time limit on the right to take advantage of the opportunity to join the program and voluntarily contribute to retirement savings?
Yes, you can join this program at any time within five years: from 10/01/2008 to 10/01/2013.
How much can voluntary contributions be paid and how much will the state increase these contributions?
The law limits only the minimum level of voluntary contribution - 2000 rubles per year. Those. an employee can pay any amount, but not less than 2,000 rubles a year. State support for a voluntary contribution of no more than 12,000 rubles a year is also limited. Moreover, if the paid voluntary contribution of the employee for the year is within 12,000 rubles, then co-financing by the state will be equal to it (for example: for 10,000 rubles of an employee, the state will add 10,000 rubles, for 12,000 rubles of an employee, the state will add 12,000 rubles, and for the amount of an employee in excess of 12,000 rubles, for example, 15,000 rubles - only 12,000 rubles).
Who calculates the amount of state support and how does it get to the individual personal account of the future pensioner?
After processing the data on employee contributions, the Pension Fund of the Russian Federation calculates the amount of state co-financing and, by April 20 of the year following the year of payment of contributions, sends an application to transfer the required amount from federal budget. Within 10 days after such an application, funds from the budget are transferred to the Pension Fund, and the amount due to each employee is fixed on his individual account.
What happens to the pension savings funds?
Funds for the funded part of the labor pension are invested in order to protect against inflation and generate additional income. At the same time, the insurer, in accordance with current legislation can be both the Pension Fund of Russia and a non-state pension fund. The right of choice belongs to the insured person.
Can an employer, on an equal footing with the state, act as a participant in co-financing of voluntary pension contributions employee?
Yes. Another source of co-financing of pension savings can be the employer, but subject to the payment of additional contributions by the insured person. The amount of co-financing by the employer is not limited by any limits, while funds transferred voluntarily by the employer to the funded part of pensions in respect of each employee in the amount of not more than 12,000 rubles are excluded from the tax base.
Will the amount of voluntary pension contributions and state support funds be inherited if the future pensioner dies?
In the event of the death of an employee before the establishment of his pension, the amount of pension savings is paid to the successors. At the same time, this amount includes all pension savings accounted for on the individual personal account of the deceased insured person, including:
The amounts of insurance premiums for the funded part of the labor pension paid by employers in accordance with the Federal Law of December 17, 2001 No. 167-ФЗ “On Compulsory Pension Insurance in the Russian Federation” ( obligatory payments insured);
Additional contributions voluntarily paid by the insured person in accordance with the Federal Law of April 30, 2008 No. 56-FZ “On additional insurance premiums for the funded part of the labor pension and state support formation of pension savings” (additional contributions of the insured person);
Additional employer contributions paid voluntarily in favor of the insured person in accordance with the Federal Law of April 30, 2008 No. 56-FZ “On additional insurance premiums for the funded part of the labor pension and state support for the formation of pension savings” (additional contributions of the insured);
Payments for co-financing of additional contributions of the insured person from the state (state support funds);
Additional funds received as a result of investment (income from investing pension savings).
Why I choose NPF "Education and Science"
NPF "Education and Science" is an industry fund in the field of education and meets the interests of educators. The fund has been successfully operating for over 16 years.
NPF "Education and Science" - invests pension savings in highly reliable and profitable securities companies such as Gazprom, Lukoil, Sberbank, Rostelecom, Mosenergo, as well as in bonds of economically developed territorial entities - Moscow, Novosibirsk, Yakutia, etc. Professional management of funds allows you to consistently provide a return higher than in the Pension Fund.
1. If I transfer the funded part to the NPF "Education and Science", then I receive
RELIABILITY:
State control over the activities of the Fund;
The compulsory pension insurance contract guarantees the protection of your interests;
The Fund is liable for its pension obligations with all its property;
Balanced investment portfolio and conservative investment policy.
BENEFIT:
The Fund invests pension funds through the most reliable and efficient management companies;
Consistently high return on investment for our clients.
QUALITY AND COMFORT:
Individual approach to each client - consultations on any pension issues;
Convenience and simplicity of obtaining information about the status of your pension account;
Registration of inheritance of the funded part of the labor pension.
2. It's important!
The transfer of the funded part of the pension to the NPF "Education and Science" will not require any costs from you.
NPF "Education and Science" opens an individual pension account for each client.
NPF "Education and Science" annually sends letters to clients with information about the accumulated funds and accrued income.
The accumulation of a pension in the NPF "Education and Science" does not affect the formation of a labor pension - its insurance part will be paid by the Pension Fund of Russia, and only the funded part - NPF "Education and Science".
Pension savings can be transferred to successors (heirs or other persons) in the event of the death of the insured person before the assignment of a labor pension to him.
In order to use the services of NPF "Education and Science" in terms of increasing pension savings, you must:
1. Contact the Union Pension Coordinator, provide your passport, insurance certificate state pension insurance and fill out a package of necessary documents.
2. Or fill out a form for drawing up an agreement on compulsory pension insurance and submit it to the coordinator for pension programs of the Trade Union.
At present, the pension fund "Science and Education" includes 5 members of our primary trade union organization.
The role of the trade union in resolving issues of pension provision
Interview with the secretary of the apparatus of the All-Russian Trade Union of Education for economic issues Vladimir Livshits, 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 of December 28, 2013 No. 410-FZ, since 2015, the rule on the early transfer of pension savings from one pension fund in another. When transferring more than once every five years, the insured person loses 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 MPI) with a previous insurer entered into force in 2013. This category of clients will not suffer losses when applying for a new insurer (in this case, the savings will be transferred to 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 your 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 its clients - insured persons to receive detailed information about the status of your pension savings account and evaluate possible losses before making a decision to change the pension fund.
Can losses be avoided?
If in current year you have already entered into a mandatory pension insurance agreement with another fund 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 contract 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 authorized body making a decision to satisfy the applications of the insured persons on the transition 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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