Transfer of pension savings to a non-state pension fund. Where and how can I transfer the funded part of the pension? Transfer from one NPF to another

Accumulative pension contributions are funds that are paid to an employee due to the loss of his ability to work or when he reaches retirement age, provided that before the receipt of payments they were on a specialized individual account of the contributor (with an NPF or other private pension company).

A specialized individual client account is assigned to each party to the GPT agreement. To conclude an agreement, the client must contact any branch of a non-state pension fund (NPF) or a subsidiary company engaged in drawing up pension insurance agreements.

NPF - financial institution, which provides services for compulsory pension insurance of citizens and legal entities, as well as the conclusion of contracts for NGOs (non-state pension provision).

The activities of the NPF are regulated by the Federal Law "On Funded Pension" N 424-FZ of December 28, 2013 and the "Law on Compulsory Pension Insurance" N 167-FZ of December 15, 2001.

According to the laws, the employer is obliged to transfer 22% of the employee's salary to the FIU. 16% of contributions are transferred by default to the insurance part, the contributor cannot use them to increase the future pension. The remaining 6% are funded contributions that Russians can send to NPFs for investment.

The PFR, unlike the NPF, does not invest the savings of depositors. They are subject to distribution from the individual personal account of clients for social needs:

pensions;
social Security contributions;
financial assistance, etc.

NPF actively uses clients' funds: at the expense of the fund's profitability, investors receive investment profit. The funded pension in the NPF is inherited and is not subject to taxation, as well as collection executive bodies. The depositor can repeatedly change the pension company: move from one NPF to another or return to the PFR.

NPF does not guarantee 100% receipt investment income. Payments are made upon reaching retirement age (including early) in the form of a supplement to the main part of the pension or in the form of a lump sum payment (for privileged categories of citizens).

What are the advantages and disadvantages of storage in a private institution?

When switching to NPF, investors can receive investment income. The funded pension, unlike the state pension, can be paid to the heir (by law or by the will of the client).

No company gives a guarantee that customer deposits will be invested - it depends on the profitability of the financial institution.

If the income for the current period is negative or equal to zero, only the annual transfer of contributions from the FIU will be reflected in the individual account.

But when choosing an NPF, the number of points accrued annually to an employee to calculate the size of a future insurance pension decreases. Russians who transferred their savings to NPFs after 2014 Personal account NPF depositor will not be seen pension contributions and investment due to the introduction of a moratorium on the formation of the funded part of the pension.

After the adoption of the moratorium, all contributions are transferred only to the insurance part. This affects the recalculation of points - they are formed on the basis of the principle of refusal from NPF (all clients become "silent").

About why to transfer the funded part of the pension to the non-state Pension Fund and is it profitable, read.

For whom is the transfer of funds relevant?

Transfer funds to private foundation All citizens can, up to retirement age, born in 1967 and younger. The pension of other clients is formed only in insurance premiums. It is important for such clients to join co-financing programs, i.e. independently transfer contributions to the NPF for subsequent investment.

Citizens corresponding to the age category for concluding an OPS agreement may not be connected to additional co-financing programs. Their contributions will be paid by the employer to the Pension Fund, from where they are transferred in the amount of 6% to the selected NPF. On the individual personal account of the client, funds are invested if for the current period under the OPS agreement the company had a financial profit.

How are savings formed?

The formation of the funded part of the pension in a non-state pension fund is carried out after the transfer of funds from the Pension Fund.

The employer is responsible for paying contributions.. For this wage of the client must be completely official, otherwise he will not be able to take part in the compulsory pension insurance program.

In the NPF from the PFR, funds are transferred in the amount of 6% of the paid 22% contributions. This is the funded part of the pension, which is to be used as an investment and capital of the contributor.

The contributions transferred to the NPF are invested regularly, once a year, provided that the fund has an income for the analyzed period.

If the yield is negative or equal to zero, the funds are accumulated on the client's account without subsequent indexation. Depositors are notified annually about the status of their personal account:

by SMS;
email address;
mail.

You can get operational data after registering on the NPF website. All companies have access to Personal NPF office provided free of charge.

Calculation principles

Non-state pension payments are made when the contributor reaches retirement age. The amount of the funded pension, taking into account capitalization, is displayed in the Clients' Personal Account.

Subject to a lump sum payment, the amount is transferred to the depositor's account. If payments are made regularly, i.e. the client is not a preferential pensioner, he is assigned a non-state pension in the form of a supplement to the main part.

The amount of the allowance is set by the fund individually for each client. It is calculated based on the amount of accumulated and invested funds.

After the termination of the OPS contract, the pension in excess of the insurance part is paid to the client for life. The calculation of the supplement to the main part of the pension is based on medium duration life in Russia, which is currently 73 years. The funds accumulated by the contributor are divided by the number of years remaining until the average level of life expectancy. The amount received is the supplement to the main part of the pension - insurance.

An example of calculating a pension: contributor retired. Before reaching the age of 73, he still has 12 years left. The amount of accumulated funds under the OPS agreement is 240 thousand rubles. The monthly allowance will be 240/12=20 thousand rubles.

Transfer from one organization to another

Changing a non-state pension fund gives the investor the opportunity to choose a company with higher profitability or reliability.

It is allowed to change NPF with a frequency of no more than 1 time per year. When transferring to another fund, investment income burns out if less than 5 years have passed since the change of NPF.

The funded part of the pension is transferred to in full one year after the signing of the new OPS agreement. If the depositor does not change the company, but returns to the Pension Fund, investment deductions are also burned out if 5 years have not passed since the date of execution of the current compulsory pension insurance agreement. In some cases, the change of NPF may be delayed.

If during the signing of the GPT agreement the depositor's data has changed, the previous insurer may refuse to transfer due to a discrepancy in the client's current information.

The procedure for receiving payments

It is made upon termination of the compulsory pension insurance contract: when the contributor reaches retirement age (including early retirement) or is one of the privileged citizens receiving a disability pension.

There are 2 types of payments: a one-time receipt of funds in full and monthly payments in addition to the rest of the pension.

If the client is not a beneficiary, he is paid monthly payments for life. The amount of payments is due to his invested capital in the NPF.

A lump sum payment is paid to those who lose their ability to work and become a pensioner ahead of schedule. Also, all funds are immediately available to contributors whose amount of accumulated funds is less than 5% of the size of the insurance part of the pension.

Overview of reliable companies

As a pension insurer, it is recommended to choose companies with a high reliability rating. Reliability is assigned by rating agencies (for example, "Expert RA"), subject to the participation of NPFs in the rankings.

If a financial institution refuses to participate in such ratings, this indicates the presence financial risks and possible unreliability. high risks investments are possible even with low ratings.

Leading NPFs do not hide their financial results from potential and current customers, and always differ high level reliability.

List of reliable NPFs (according to "Expert RA" and "National rating agency»):

All funds are members of the deposit insurance program, which guarantees the payment of funds to depositors in the event of liquidation of the structure.

The transfer of a 6% part of the pension to the NPF allows citizens to receive additional income upon retirement. Those who transferred their funds before the moratorium was introduced in 2014 will be able to see the investment of savings. It is recommended to choose reliable funds as a partner in the OPS program– this will reduce the risk of loss of investment income and funded funds.

Useful video

We offer you to watch a video on how the funded part of the pension is drawn up in the NPF:

Thanks to the ongoing pension reform, citizens of the Russian Federation independently manage the formation of the funded part of pension funds. They can transfer part of these funds to a non-state pension fund .

The procedure for transferring deductions to NPFs

In order to transfer the funded part of the pension to the NPF account, you need to familiarize yourself with the reliability of this organization, assess the risks and benefits of working with it. The main points in the order of transfer of funds are:

Selection of NPF, analysis of its advantages and possible risks.
Conclusion of an agreement on mandatory pension insurance.
Submission of information to the territorial body of the Pension Fund of the Russian Federation that the funded part of the pension is in the NPF.

In the event that a person wants to transfer a pension to an NPF from the PFR, he fills out an application for a transfer and collects the papers that are required for the transfer. This can be done independently, through a trusted person or the MFC.

At the current time, a “freeze” is provided for the creation of the accumulated part of the pension. It will be valid until 2020.

The right to pension savings

Who has pension savings, look at the picture:

Those who decide to use the funded pension and send it to the NPF must be insured under the compulsory pension insurance system. There must be a certain amount in their account:

Persons born before 1966 can only form the insurance component. Men (age from 1953-1966) and women (1957-1966) can receive the funded part, since in the period from 2002 to 2005 the payment of this part of the pension by employers was already in effect.
According to the program of additional financing of pensions, it is possible to form a funded part of it at the expense of individual contributions.
The use of maternity capital for the pension provision of the mother.

Under the Federal Law, those persons who send contributions to mandatory pension provision for the first time since 01/01/14 have the opportunity to choose where to keep their pension for 5 years after the first transfer of contributions. In the case of the funded part of the disability pension, payment from 2013 is made only after reaching a certain age (55 years for women and 60 for men). In the presence of insurance experience an old-age pension is calculated.

Should I switch to NPF?

Non-state pension funds, within the framework of their functions, have the ability to store and participate in the formation of two types of pensions (under a policy or a non-state type of pension). As a positive answer to the question of why to transfer the funded part of the pension to the NPF, the following can act:

the payment consists of credits from clients that come with a certain frequency, according to the established transfer period, as well as due to the investment of reserves;
non-governmental organizations are financially responsible for the investments of its clients. In a situation in which the fund's return is below the inflation rate, it is obliged to compensate the expenses of depositors at the expense of its reserves;
due to the fact that NPFs annually form investment strategy on next year and in the short term, it may respond to financial changes On the market.

Disadvantages of NPFs

Given the advantages of non-state funds, they have a number of disadvantages that make citizens reluctant to invest their pension amounts.
Among the minuses can be identified:

no stable income. In other words, an organization cannot always guarantee its financial component;
NPF may lose its license due to violation of the law, bankruptcy. Clients need to transfer savings to another fund or back to the FIU, which requires certain costs.

The procedure for transferring pension savings

Collaborating with NPFs to preserve their pension savings, a person must carefully consider the procedure for transferring his funds to his account and determine whether he should transfer.

Consists of several stages:

First, he should decide on the fund where he is going to transfer the funded part of the pension. You need to study information about her, her financial opportunities in case of repayment of losses by a person, advantages over other organizations. Pay attention to the reliability rating, the composition of the founding council.
Secondly, to make a direct choice in favor of a particular fund. It is necessary to assess the reliability of the organization. Depends on the performance of the fund. This item will be evaluated by information that can be studied according to the data of certain agencies, for example, "Expert RA":

The fund is subject to requirements for the time of its creation. The best funds are created before 1998. The earlier it was created, the more experienced it is in investment management.
The level of profitability allows you to understand how successful the fund is in its work. It is necessary to study the indicators on average over several years.
Founders. More reliable funds that were established by representatives of the mining and processing industries.
degree of openness.
Reviews about the fund.

Comparative analysis of non-state pension funds

To assess the indicators of reliability, business reputation, financial stability of the fund, you need to analyze these data for several organizations.
For example, those funds that have an A++ rating, according to Expert RA.

"Gazfond"

Works since 1994. Founders - company PAO Gazprom, Gazprombank, OOO Gazprom dobycha Urengoy, OOO Gazprom dobycha Yamburg, OOO Gazprom transgaz Saratov. Acts as a co-founder of a professional association of pension market participants. Since 2004 has the highest rating. The largest fund in the Russian Federation. Among the advantages, there is a large volume own funds, pension reserves. As minuses - importunity to provide their own services, negative reviews in a number of regions of the country. Read our article about NPF Gazfond.

NPF Sberbank

Founded in 1995, the founders are PJSC Sberbank of Russia. Works on the basis of the Order of the President. As pluses it is possible to allocate stable work throughout all time of existence, good feedback from investors, openness. It is customary to attribute to the minuses - untimely payments certain categories citizens, an aggressive policy to attract future customers.

NPF "Neftegarant"

It has been operating since 2007 under the wing of OAO NK Rosneft. Over the years of work, there has been an increase in profit indicators; effective management pension savings. Cons - young age does not allow assessing this fund how reliable in people who retire, low level return on investment, savings only in domestic currency.

The analysis allows us to conclude that any NPF has both pluses and minuses in its work. The choice in favor of a particular one depends on the preferences of the citizen.

Required documents for the transfer of the funded part of the pension

After the NPF selection procedure, you need to collect a package of documents in order to directly transfer your pension savings to the fund's account.
This package of documents includes:

passport of a citizen of the Russian Federation;
pension insurance certificate;
transfer application. It indicates the individual data of the person who is going to make contributions to the NPF. In addition, it is necessary to draw up an agreement on compulsory pension insurance.

The picture shows a sample application for the transfer of funds to the NPF:

Transfer of funds between NPFs

In situations where the client is dissatisfied with the activities of the structure to which he transferred the funded part of the pension, he has the opportunity to transfer funds to another NPF. It should be borne in mind that savings can be on the account of only one NPF, division between organizations is impossible.

There are two ways to go:

Early - carried out within one year. You should fill out an application, indicate a different address. If the documents were transferred in 2016, the transfer is possible in 2017, while interest on deposits will be lost.
In case of an urgent transition, the savings are sent to another company in the year following the five-year period that has elapsed since the conclusion of the agreement with the previous fund. Interest on savings remains.

In addition, it is possible to transfer funds back to the FIU, but no later than December 31, by submitting an application to the FIU. The application is submitted personally to the relevant authority, or through the services of the MFC. You can also send documents by mail or electronically.

The transfer of the funded part of the pension to the selected non-state pension fund entails consequences, which have their pluses and minuses. The procedure separates the investment part, which will no longer return to the accounts, since it is from it that the pension is increased and they work with it. It is important to safely and securely transfer the virtual money of your future pension so as not to lose it with everything. We will tell you whether it is possible to transfer your funded part from the PFR to the NPF and vice versa, until what year you can exercise this right and extend the terms or not.

Is it possible to transfer savings?

The funded pension consists of contributions from the employer in the amount of six percent of the monthly salary. Regulation of the order and management of money is agreed upon under the Federal Law No. 424 "On Funded Pension".

In this regard, citizens have the right to manage their funds - to invest in non-state structures that have licenses for the right to circulate pension benefits. The transfer can be carried out both from the PF of Russia to a non-state one, and to change one NPF for another or to return cash savings back under state control.

On a note. In 2014, the accumulated part was "frozen", but the management of this amount was retained. Money transfer can be urgent or early.

From a non-state pension fund to the PFR

Need to write an application about the action of the translation. To do this, you need to personally contact the PF service at your place of residence or send an application with copies of documents through the post office or courier service.

In another NPF

To make contributions to a non-state pension fund, you will first need to contact the local PF department at the place of residence and write an application for transfer sums of money funded part in the NPF. The application can also be sent by mail or delivery service. Be sure to notarize all documents.

Read more about what the funded part of a pension is and whether it is necessary to send it to the NPF.

Who can do it?

The contribution of the funded pension can be carried out personally by a citizen or a person who is his legal representative or authorized by application.

Accumulated funds are available to citizens before the year of birth in 1965, the rest of the category independently forms this species pensions or through contributions made within the framework of the Program for State Co-financing of Pension Savings, Maternity (Family) Capital.

When can you transfer?

At the legislative level, the terms for the transition and formation of pension provision were established, the connection to the program was carried out until 2015. In subsequent years, the program was "frozen", but the ability to keep funds in NPFs and transfer them from one structure to another remained.

Citizens who did not apply for co-financing are under question, but the state will provide them with an insurance pension. Program members born in 1967 or younger have the option to transfer, waive, or bequeath their accumulated funds.

Reference. In 2016, the State Duma imposed (extended) a moratorium on the funded part and calculated it for 2017-2019.

In this case, insurance contributions will be transferred to the insurance pension. The “freeze” is designed to ensure that there are no deductions to NPFs and that citizens make a choice in state funds.

Until what year?

If a citizen is the owner of this type of pension, then its transfer could be carried out until 2015, before the “freeze” project. The project has transferred available funds from the PF to contributory pensions. With independent investment, the state does not make deadlines and obstacles to the formation.

The procedure for transferring funds from one fund to another

Transfer methods:

Types of money transfer from one NPF to another:

Early- takes one year. For example, the transfer was made in 2017, the money will be transferred only in 2018, which will lead to the loss of investments.
Urgent- is done after five years of being in the company. For example, the transfer was made in 2017, the money will be transferred in 2022, the investment will be saved.

The translation is free of charge, for this you need:

apply to the NPF;
to write an application;
collect a package of documents and their photocopies, for electronic appeal you need scanned files - passport, SNILS, account number;
registering an application and receiving a receipt.

Attention! It is necessary to apply before December 31 of each year, otherwise the terms of money transfer will be delayed. The service can be used once a year.

Conclusion of an agreement

It is necessary to conclude an agreement on compulsory pension insurance with the NPF. The procedure for drawing up an agreement is considered in article 36.4 of the Federal Law No. 75 “On Non-State Pension Funds”. The conclusion of the contract is carried out as follows:

When the retirement age comes, the fund's employees will calculate the monthly pension and start paying it, or take a lump sum payment every five years.

What is the deadline to apply?

There is a certain deadline for submitting an application to the FIU for the transfer of a funded pension.

Reference. According to the legislation, at the end of the year, the PF receives applications for the transfer of funds to itself or to the NF. Until March 1 of subsequent years (after the application) changes will be made to the list of insured persons.

Each year, you can consider the application until March 31(while in last year application has been made). The received notification will notify the citizen about the transfer of money.

In accordance with pension reform citizens of our countries can independently manage their pension savings. One of the options for managing accumulated funds is to transfer them to NPFs. This investment has both positives and negatives. Therefore, it is necessary to consider this issue from all sides. Worth a close look reliability and profitability ratings fund, as well as the composition of its founders and the period of existence.

After a thorough study of all the information, you can conclude an agreement on the OPS with the selected fund. You need to be aware that in relation to one period of time only one treaty.

Now the formation of the funded part is “frozen” for another three years(until 2020). In the future, the Government plans to completely abandon the funded pension and introduce individual pension capital.

Is it worth building a funded pension?

The funded pension is formed by:

6% of insurance premiums paid to the FIU by the employer;
contributions on a voluntary basis for;
investing the savings in the account.

The insured person decides on his own which option for the formation of a pension to choose. To make a decision, you need to know how the security can be increased, as well as other conditions provided for by law.

pros funded pension are as follows:

according to sub. 1 p. 1 art. 4 of Law No. 360-FZ of November 30, 2011, in some cases, a citizen can receive all pension savings that are on the account in the form;
unlike an insurance pension, this type of security can.

Main minus funded provision - the absence of a guarantee in the annual increase in pensions, since the state does not index this payment, and its profitability depends on the results of NPF investment in the financial market.

Why transfer the funded part to the NPF?

As a rule, the profitability that NPFs receive when investing pension savings is higher than in the PFR. This is due to the fact that NPFs have greater flexibility in managing funds. While the PFR invests money only through Vnesheconombank.

High yield- not the last advantage of NPF. They stand out:

Service level - you can monitor the status of your account online.
The presence of an agreement - it guarantees that the uniform rules will remain for the entire period of its validity.
Openness - annual publication of financial statements.
Security - the funds of citizens are insured and will be returned by the state in case of revocation of the license from the NPF or its bankruptcy.

Thus, it is enough to simply answer the question of why the funded part should be transferred to the NPF: in order to preserve the funded component of the pension and increase its own.

Is it possible to transfer savings in 2019?

The legislation establishes deadlines during which a person needs to decide how his pension provision will be formed. The opinion had to be expressed before the end of 2015. Citizens who at that time had not made a choice (the so-called "silent people") could find themselves in a difficult situation, since pensions are calculated differently.

For individuals who were born in 1967 or younger, it is possible:

Refuse the funded part. Then the accumulated funds will be included in pension savings as lump sum, and they will continue to be indexed. If a citizen has pension savings in NPF accounts, he can refuse this at any time by contacting the PFR department.
Save funded pension . It is measured in rubles, and therefore, it is possible to bequeath these funds.

Although the resumption of the formation of the funded part of the pension in 2019 is not expected, the principle of investing accumulated funds in NPFs or management companies will still remain. Silent people who did not take care of the choice will have to be content with only an insurance pension, because. the use of accumulative for them became unavailable.

moratorium on funded pension

On December 7, 2016, the State Duma adopted a law that will extend for another 2017-2019. All insurance deductions citizens in these years will be sent for an insurance pension. Experts believe that the extension of the "freeze" will not lead to a significant influx of funds in the NFP, since the most active Russians made their choice long ago.

To solve the problem of pension provision, the Ministry of Finance and the Bank of Russia are preparing a reform that provides for the formation of savings by citizens on a voluntary basis. Funds in the amount of 6% of the income of a citizen will be sent to the account in the NPF in the form of a quasi-voluntary.

The government is confident that this measure will soon help to reduce the PFR deficit by redistributing cash flows, and in the long term - to create an investment resource for paying pensions to senior citizens.

How to transfer the funded part of the pension to a non-state pension fund

Exists several ways appeals to the NPF to transfer their pension savings to this organization:

Contact in person. This allows you to get comprehensive information about the work of the fund.
Electronic appeal through the State Services website.
Postal service where you need to go to send ordered letter with the necessary documentation in the FIU.
With the help of a trusted person who will perform this procedure on the basis of a power of attorney, which is notarized.

The operation of transferring the cumulative part is gratuitous. Within one day, a citizen:

Contact the NPF.
Writes an application with a request to transfer pension savings from the Pension Fund to the NPF.
Passes the procedure of registration of the fact of acceptance of his application.
Receives a receipt of receipt of the application (if required).

Despite the simplicity of this procedure, there is important nuance: it can be used no more than 1 time per year, and it is important to take into account the fact that you need to apply until December 31. If this is done at the beginning of the year, then cash will be transferred to the NPF only a year later, therefore, the waiting period will increase significantly.

Where is it better to transfer (NPF rating)?

There is no unified system for assessing the reliability of NPFs in Russia. There are several rating agencies, which are carried out by independent expert opinions work of NPFs, analyzing their work over the past periods. According to the Expert RA agency, the list of the best NPFs for 2019 includes more than 20 funds. The highest rating A++ received:

GAZFOND;
Neftegarant;
Diamond autumn;
NPF of Sberbank;
NPF NEFTEGARANT;
National NPF;
KITFinance NPF;
NPF RGS;
Surgutneftegaz;
VTB PF, etc.

When choosing an NPF, in addition to reliability, it is important fund return rate, because it is this factor that affects the amount of future pension payments. According to the results of the reports, the leading positions in the profitability rating are occupied by:

JSC NPF "Defence-Industrial Fund named after. V.V. Livanova";
CJSC NPF "Promagrofond";
JSC NPF "Diamond Autumn";
JSC NPF "First Industrial Alliance";
JSC NPF "UMMC-Perspektiva";
JSC NPF "Telecom-Soyuz";
JSC NPF "Socium";
JSC NPF Surgutneftegaz;
CJSC KITFinance Non-Governmental Pension Fund;
CJSC NPF "Heritage".

Translation procedure and required documents

To begin with, a citizen needs to decide on the choice of a new fund. In order for the chosen organization to be reliable in all respects, it is worth carefully learn all the information about it. First of all look at the following criteria:

founders;
the age of the fund;
reliability and profitability ratings.

It is also worth clarifying whether the selected NPF entered into an agreement with the FIU on mutual certification of signatures. If he concluded, then during a personal visit to the representative office of the selected NPF with passport and SNILS a person can sign an OPS agreement.

The OPS agreement is the determining factor in the relationship between the NPF and the insured person. Before signing the relevant documentation, you must carefully read all the clauses of the contract, as well as study the rules of the selected NPF.

Transfer of savings from one NPF to another

If the insured person is dissatisfied with the work of the selected fund, he may commit transfer to another NPF. The law provides for both the right of the citizen himself to refuse the services of the NPF, and the termination of the contract in case of incorrect documentation. You cannot make a transfer to another NPF if a person wants to leave part of the funds in the old organization. The entire amount of savings can be only one NPF, and at the request of the client, the organization must transfer all cash and interest to another fund.

A citizen can use one of two transfer options:

early;
urgent.

Early transition- a process that takes 1 year. A special application is made and a different address is indicated. And then, if the papers were filed in 2017, we should expect the transfer already in 2019, but investment funds the client will lose.

If the transition urgent, savings are transferred to new organization in the year following the expiration 5 year period from the moment of signing the contract in the previous organization. In other words, if this wish is made in 2017, then the procedure will be completed in 2022. In this case, all funds will remain intact.

Often, citizens go on a well-deserved rest when they reach a specific age category. Any resident Russian Federation government needs to pay. provision for old age, but more recently, the amount of this payment directly depends on the citizen himself.

Should I transfer the funded part of the pension to the NPF

Since the selection of an insurance company falls on the working individual, he is responsible for the choice made and the likely results that are associated with the preference of the pension organization.

It is impossible to answer this question exactly, since NPF has its positive and negative sides.

The "advantages" include:

High "flexibility" in profit management, since a non-state PF has a large number of options for investing, in the period when the PFR has all investment opportunities with the help of Vnesheconombank.
High profits that increase the amount of future pension contributions.
When the profit of the management company is below the inflation rate, the individual will receive compensation for the costs of counting the money of the reserve fund.
The NPF will respond faster than the PFR to changes in the financial market, which will entail continuous adjustment of investment plans to increase profits.

The "cons" include:

During the change of the insurer more than once every 5 years, the profit from investments can be lost, and in the situation of a negative result of investment deductions, pension accumulations are reduced by the amount of the loss.
A NPF can have a license canceled, which entails an automatic transition of a citizen to a FIU.

Conclusion of an agreement on mandatory pension insurance with NPFs

The GPT agreement is the documentation on the basis of which the insured FI interacts with the PF. Any non-governmental organization signs an agreement with its own clients in a standardized form approved by the Government.

Before signing an agreement with an NPF, it is better to familiarize yourself with the special characteristics of this security. A deal is jointly signed exclusively with one fund.

For the transaction to enter into force, it is required to provide it to the Pension Fund of Russia within 30 days after signing the papers. As soon as the money is transferred to the personal account, the agreement will begin to work. Pension savings will be transferred to the NPF after certain notes are entered in the register of insured citizens.

The Fund will analyze the applications received from individuals based on the results of the year and make a decision. When transactions are signed with a certain number of funds throughout the year, the decision will be taken only at the last, and information specifically about this NPF is written in the register. After that, the FL will be a client of this institution, and pension contributions will be credited to the account of the new pension company.

Each PF, which is included in the system of guaranteeing the rights of workers, physical. persons of the CSO, does not have the authority to refuse the person who applied when signing the contract. From this rule it can only be deduced that the NPF has the right to suspend the procedure for signing the agreement, notifying the Fund before 31.12 current year. In this situation, from January 1, for a period of at least a year, the pension department will not conclude new agreements, but those signed earlier will continue to work.

When signing an OPS transaction with an NPF, it must be remembered that in the event of a replacement of the full name, other information shown in the insurance certificate, it is required to inform the PFR and NPF about this.

Client non-state fund can terminate the agreement unilaterally. To do this, it is required to inform the institution, submit documents on the replacement of the company to the regional department of the Fund. In the application, indicate the FIU that the client chooses to replace the previous one.

When a citizen dies before the pension payments are credited, the successors are able to acquire the unclaimed money of the accumulative share of the contributions. In the OPS agreement, it is realistic to indicate who specifically has the authority to acquire an inheritance. This information can be displayed in a specialized document.

Deadline for submitting an application to the FIU for the transfer of funded pension

Private organizations offer residents of Russia to create their future pension contributions. To do this, you need to sign OPS agreements. Financial companies offer traditional transactions, which spell out all the conditions for creating payments.

Phys. persons who have made an early transfer of savings for future pension payments are required to visit the Pension Fund of the Russian Federation with an application by December 31. They are able to carry out such a procedure no more than once a year.

Choosing a non-state pension fund

When deciding which NPF to sign an agreement with, you need to look at the following indicators:

Reliability level. It is determined from a certain number of performance indicators of a non-state fund. To do this, it is realistic to apply the information of the rating agency. It is best to choose an organization that has a high rating. In addition, it is worth paying attention to the stable position.
Age of the Foundation. It is best when the company was opened before 1998. The longer a non-state institution operates, the more experience it has in investing in payments, reserves, therefore it will successfully manage finances under adverse circumstances.
Profitability. The indicator reflects the success cash transactions. It must be several percent above the inflationary level. The higher the average profit per year, the more money will accumulate on a person’s personal account by the time they leave work. The most important point is that it is required to look at the data not of one year, but at the accumulated profit for a certain number of years.
The number of founders. Companies formed by organizations specializing in metallurgy, thermal energy, mining or movement of minerals are more reliable than funds formed by small institutions or individuals.
Transparency and openness. When selecting an NPF, you need to pay attention to whether the Fund has a portal. The site must be available full information about the work of the management company.
reputation of the institution. When selecting a non-state company, one should not be limited to the data provided by the institution itself. It is required to check customer reviews that are posted on other portals. When there are no reviews about the institution, it is likely that it has not been in the market for so long and this company is not advised to be trusted.

The more income an NPF has, the more attractive it will look in the eyes of individuals. To the best Funds that guarantee a large percentage investments for the period under study, it is worth including:

Consent - 12.7%.
European PF - 12.4%.
Ural Financial House - 11.4%.
Education and science - 11.1%.
Education - 11%.

Profitability ratings help to choose a Fund whose accumulation ratio will be equal to the expectations of the pension institution. It is recommended to look at the main recommendations of the analytical agencies "Expert RA" and "National RA".

Whether the transfer of pension savings to NPFs was extended in 2018

Only individuals had the right to choose security. persons younger than 1967 This procedure is now available to workers for whom payments to the Pension Fund will be deducted no earlier than January 1, 2014. These powers are saved for 5 years, but not later than the age category equal to 23 years.

For other pension insurance participants, the program of state provision of benefits is still available, as well as their increase thanks to funds family capital.

Due to the increasing shortage of the state budget, the unstable situation in the economy, the Government bodies need to take unpopular measures - freezing the cumulative share of pension contributions from individuals.

All insurance contributions deducted from working people are not able to cover the costs of the Pension Fund for the deduction of benefits for the elderly, not to mention the creation of a funded share.

The moratorium on part of the accumulation of payments was increased until 2019, which, according to researchers, will help to significantly save the budget about 400 billion rubles.

The Ministry of Finance and the Central Bank of the Russian Federation put forward a proposal to introduce contributions for the accumulation of their OPS, leaving the solidarity system with 22% of the tariffication of benefits. It was proposed to rename the share of accumulation into individual capital.

All the accumulated money of people in the management company will be deducted to the pension capital, and the payments of the "silent people" will be transferred to insurance points, if two years after the start of the reform they do not begin to deduct the accumulated money to the non-state background.

How to transfer the funded part of the pension from the NPF back to the PFR

When a citizen decides to entrust his own savings government bodies and transfers them back from the non-state fund, then he needs to act according to the appropriate plan:

Submit an application to the Pension Fund of the Russian Federation.
Transfer personal documentation: passport information, pension certificate, TIN.
Click on the list provided management company, which invests the insured citizen in various projects.
Submit notification of early termination agreements until December 31 of the current year.

State employees organizations will consider the application and by March 31 next year will inform the FL about the decision. When the applicant's appeal is satisfied, the Pension Fund will write to the EP of the insured citizen. The agreement signed by by a person with a commercial Foundation, becomes null and void. The citizen is provided with an extract from his individual account. The funds should be transferred to the account of the relevant institution, after which the company will begin to invest the money entrusted by the client.

The procedure for transferring funds

In order to transfer accumulated pension contributions, you need:

Select Fund - it is based on the conditions described above. Also, before making a choice, it is necessary to clarify whether among the NPFs and the PFR were signed specialized contract on the mutual certification of paintings. If yes, then by direct contacting the office of the selected Fund, natural person able to sign an OPS agreement.
Submission of an application for a change of company and acquisition of an application for acceptance of papers.
Signing an agreement. When the transfer process is launched at the beginning of the year, money from the Pension Fund to the NPF will not be transferred until a year later.

From the papers you only need:

an application that is filled out based on the above rules;
passport data of an individual;
pensioner's ID.

Thus, any pensioners can transfer their own savings to management companies no more than once a year. The funds will be multiplied and kept on a personal account before they are deducted to the pensioner.