In March 1995, Sberbank of Russia for the first time made a statement about the opening non-state fund pension insurance. In its organizational and legal form, this NPF is an open social organization of a non-profit type.
In March 1995, Sberbank of Russia for the first time made an announcement about the opening of a non-state pension insurance fund. In terms of its organizational and legal form, this NPF is an open social organization of a non-profit type, the founder of which is Sberbank of Russia OJSC. The fund is managed by the Council of the non-profit organization. Its main tasks: approval of documentation, identification of main strategic investment directions, management of the fund’s activities, etc. The responsibilities of the NPF president today are assigned to Galina Morozova.
Sberbank Pension Fund: personal account
Each program participant has the opportunity to gain access to the “Personal Account” on the official website of the NPF. To do this, the following conditions must be met:
1. Conclude an agreement on non-state pension provision at a bank branch and wait for this agreement to come into force.
2. Open a special pension account in Sberbank, where contributions from the funded part of your labor pension will be received (according to the Insurance Rules). You can also, in accordance with the Pension Rules, open a pension account where non-state pension funds will be received.
3. You must give your personal consent to the bank’s automatic processing of your personal data.
Sberbank Pension Fund: interest rate
Sberbank NPF sets interest rates for each client in accordance with the type of individual or corporate pension program he chooses. Today the bank offers clients:
- The compulsory pension insurance program, which also provides for the possibility of using the state co-financing program.
- Individual pension plans for clients, calculation interest rates under which it is carried out in accordance with specific contractual terms of non-state pension provision.
- Pension corporate programs in which legal entities can participate.
Profitability of the Sberbank pension fund (NPF)
On this moment Official statistics from Sberbank of Russia indicate that the profitability of non-state pension funds shows positive indicators, despite the fact that many experts are arguing about this. The profitability picture can be analyzed in different ways. If you believe the management of the fund, there is a statement that the profitability indicators make it possible to increase savings.
However, bank performance may vary from year to year. Accordingly, there is also a risk that funds in client accounts may depreciate. For example, the profitability rate for 2006 was more than 15%, the inflation rate at that time in the country was no more than 10%. In 2011, the NPF demonstrated a return of within 2% with an inflation rate of about 6%. In the 2014 crisis year, these indicators may turn out to be even more unpleasant. On the other hand, a similar situation is developing today in the state pension fund, where to get due payments it is not possible for a person to reach retirement age.
Non-state pension fund of Sberbank
The main advantages of using NPF Sberbank of Russia include:
- long-term stable operation of the banking structure;
- absolute confidence in the safety of investments in the fund Money (high level reliability);
- the ability to conclude individual agreements with funds on additional accumulation of funds (to regulate the level of one’s own pension in the future);
- funds received by a non-state pension fund can be inherited (which is impossible when working with a state pension fund).
Official website of Sberbank NPF
Naturally, the Non-State Pension Fund of Sberbank of Russia has its own official website (as well as other major projects of Sberbank). The web resource is located at http://www.npfsberbanka.ru/. Here you can find all necessary information By current programs NPF, new offers, investment policy fund. If necessary, use the calculator to calculate a possible pension for yourself, or log into your “personal account” (if you are a participant in the program).
Sberbank NPF rating
According to official data, over all the years of the existence of the Sberbank non-state pension fund, its rating in the country has never fallen below eighth place. The fund's assets almost doubled in 2013 alone and reached 80 billion rubles. The existing ones were increased by 78%. NPF pension accumulation.
At the beginning of 2014, the number of clients of Sberbank of Russia NPF was about 2 million people. The average figure for the size of the pension account of one program participant was 54 thousand rubles. And this is only in the compulsory pension insurance program. This indicator puts this NPF in second place in the ranking of similar funds in the Russian Federation.
Sberbank NPF was established by Sberbank of Russia in 1995. One of the largest banking institutions in the country is not only the founder and sole shareholder of the fund, but also its partner in promoting pension services in the Russian Federation. A perpetual license was issued to the NPF in 2009.
About the fund
The successful work of the Sberbank pension fund is confirmed by numerous awards. According to the results previous year the organization became the winner of the Grand Prix of the “Financial Elite of Russia” award and received the “Mark No. 1” award in the corresponding nomination.
The advantages of the fund are:
- High level of trust from clients.
- Leading positions in the field of security services.
- A large number of attracted clients.
- Long-term work on the market.
In the field of non-profit organizations, the Sberbank fund occupies a stable position, pursuing a balanced investment strategy.
Foundation website
On the official website of Sberbank NPF it is said that the organization provides services for:
- formation of a funded pension within the framework of compulsory pension insurance;
- receiving additional income at retirement age according to individual NGO plans;
- corporate services.
The investment strategy of the pension fund from Sberbank is aimed at achieving optimal indicators for stability and profitability, as well as the safety of pension assets by investing only in reliable instruments. Data on such activities are regularly published on the Sberbank NPF website.
Helpful information! The work of the structure is regulated by supervisory organizations, including a specialized depository.
The official website of the Sberbank Pension Fund http://www.npfsberbanka.ru contains data on:
- transfer of funded pension;
- registration of non-state pension payments;
- investment activity indicators;
- terms of the contract.
The fund provides the opportunity to pay contributions bank card. The approximate size of the pension can be calculated using a special calculator.
Line of individual plans
JSC NPF Sberbank offers three types of individual plans:
- Universal with a flexible payment schedule starting from 500 rubles.
- Guaranteed with a fixed schedule and amount of contributions in accordance with the contract.
- Comprehensive, combining funded and state pensions.
You can select and issue a suitable plan directly on the website.
Important! The size and period of payment of contributions is determined by the NPF client himself. The increase in savings occurs annually due to investment income. To return 13% of your investment, you can use a social deduction.
Cooperation with NPF
As part of the OPS, 22% of each employee’s salary is transferred to the Pension Fund. At the same time, 16% is considered the insurance part, 6% is the funded part. The first is subject to state indexation, the second increases due to investment income. Cumulative part can be transferred to the NPF of Sberbank of the Russian Federation.
The fund will send funds management company, which will invest them in one of the economic sectors. The fund client will receive social payments in the form of dividends. Cooperation with such non-governmental organization allows you to ensure a decent level of payments after retirement.
How to conclude an agreement
The following can enter into an OPS agreement with Sberbank Non-State Pension Fund:
- Pensioners - to transfer the funded share of the pension from the Pension Fund to a non-state structure.
- Working Russians - to receive a non-state pension in the future.
- Employing companies - to increase the prestige and motivation of employees.
To transfer money to a non-state pension fund, you should contact the organization’s office or one of the Sberbank branches, presenting your passport and SNILS.
Important! To transfer funds from the Pension Fund, a personal visit to the state fund is not required.
Features of termination of contracts
If necessary, anyone can terminate the agreement with Sberbank NPF, but only once during calendar year. The savings share can be transferred to another fund. By submitting a corresponding application, the fund client is not required to explain his decision. The application must indicate where the amount remaining in the account should be transferred.
Good to know! If you plan to transfer funds to the Pension Fund, it is enough to submit an application to this organization. In this case, the agreement with Sberbank NPF will be terminated automatically.
When terminating a contract, it is necessary to take into account some nuances. Investment income can be received for that part of the reporting year that preceded the filing of the application.
Funds can be transferred to a bank account, but transaction costs are paid by the client. The contract can be terminated only if the 13% tax applicable to income from the investment of pension savings is paid. When transferring funds to another NPF, you will not have to pay tax.
Profitability and reliability
The profitability of Sberbank NPF for 2017 according to OPS was equal to 8.34%, for NPO – 8.16%. This level was three times higher than inflation. The accumulated return on OPS reached 115.7%. More than 8.3 million people have already entrusted their savings to the fund. The average annual return for 2009-2016 was 7.3%. In the crisis year of 2011, the figure was zero.
Sberbank NPF reliability ratings are assigned by leading agencies. RA "Expert" assesses the level of reliability as exceptionally high (rating "A++", the maximum indicator), the NRA also confirmed the fund's rating at the maximum level of "AAA".
Contact Information
The necessary information and answers to any questions regarding the work of NPFs can be obtained by phone hotline 8 800 555 00 41. The office is located in Moscow on the street. Shabolovka, 31g, entrance 4, floor 3, it is closed on Saturday and Sunday. Email address - [email protected].
Client's personal account
You can find out about your account status using your personal account. To register, you will need to have an OPS agreement, open an account and consent to the processing of personal data. Email address, phone number and other personal data, including SNILS, are entered in special fields. A link to go to your personal account is sent to the address specified during registration.
Among organizations providing services for accumulating funds for retirement, the offer from OJSC Savings Bank stands out. Introduction of such a convenient account management mechanism in NPF Sberbank. An online personal account has greatly simplified the work of users, saving them from frequent visits to the bank.
Features of a non-state pension fund account
Since only a citizen who has entered into an agreement related to pension insurance. It remains to consider the question of how to correctly go through the registration procedure on the official website and get a personal account at NPF Sberbank.
Registration
It is worth considering how to register in your personal account at NPF Sberbank. To get your personal account, you need to go to the official website. Here you must complete the pre-registration procedure.
Since the most complete access to various services is possible from Sberbank NPF in your personal account, it will be necessary to register in order to gain access to them. And since the Savings Bank strives to provide maximum conditions for comfortable work, the possibility of registration is as simple as possible.
To complete the procedure for registering a personal account in Sberbank NPF, you should choose one of the proposed methods:
- By visiting a direct bank branch, taking your passport with you.
- By visiting the official website of Sberbank NPF. Personal Area will become available immediately after filling out the form. You will need to confirm your details.
- Having chosen the procedure for obtaining a personal account online at NPF Sberbank, it is recommended to register on the website, giving you the opportunity to spend significantly less time. The most important thing is to follow the instructions exactly.
- To ensure that no difficulties arise when registering your personal account online on the Sberbank NPF website, you must not only fill out, but also check that the available fields are filled out correctly. To do this, you must indicate your full name and come up with a complex password.
- To receive notifications, enter your cell number.
- You must fill out the information from your civil passport.
- Enter your SNILS data.
- You must enter your last name in Russian.
- Now all that remains is to check that the information entered is correct.
All fields are simple and understandable to everyone who wants to become clients of Sberbank NPF. We have looked at your personal account and how to register in it.
Important! Don't forget to check the information you enter before clicking the "Next" link.
As you can see, it is very easy to become a client of Sberbank NPF. Registering a personal account does not take much time.
How to enter
Let's look at what a personal account in Sberbank NPF will look like. Login to it is also carried out at home page site. Here you have everything you need to use all the capabilities of the NPF in Sberbank. Login to your personal account for individuals requires a login and password.
However, you should be prepared to protect your account data. This is due to the fact that, having gained access to them, any fraudster will be able to log into his personal account at NPF Sberbank, which can lead to trouble and even loss of money.
Features of programs for legal entities and organizations
The savings bank launched a program aimed at servicing organizations and legal entities. It implies that you will have to go directly to the official website of the Savings Bank.
Moreover, to the amount that the individual will contribute, he will independently carry out transactions and contributions, receiving an annual income from the Fund’s investments in the amount of 13%, and the organization where the investor works will contribute an additional 20% to the contribution. All this is reflected if you log into your personal account at NPF Sberbank.
How to recover your account password
There are situations when a user forgets the password for the Sberbank NPF personal account. It will be impossible to log into your personal page. But if you despair, immediately proceed to restore the ability to log in:
- Click the “Forgot your password?” button;
- We are waiting for a letter to the email specified during registration with a request for change forgotten password entrance;
- to confirm your actions, you need to enter a captcha;
- Once you have access to your account, be sure to change your password.
All processes carried out to gain access to the personal account of Sberbank NPF individual Entry can only be received by email.
What features does an individual account have?
To do this, it will be enough to visit NPF Sberbank. Online login to your personal account is available around the clock, 7 days a week.
Frequently asked questions from users
Users may have questions related to the personal account of Sberbank NPF CJSC. Here are the answers to the most popular ones:
Why can't you read the insurance contract?
There can be many reasons for this. Initially, you should go to JSC NPF Sberbank on the official website and in your personal account.
The main reason is that various mistakes were made, the correction of which will allow us to obtain the long-awaited contract. Detailed information You can get it by logging into your account or by contacting bank specialists directly.
What features does an individual pension plan have?
A special program allows system users to independently participate in the formation of their pension. It will depend not only on its contributions, but also on a rationally chosen package of services. All this can be seen by visiting NPF Sberbank in your personal account, enter the appropriate section and everything will be clear and understandable.
For many years now, the Non-State Pension Fund, opened by Sberbank JSC, has been operating in the country. For comfortable cooperation with its clients, the bank has developed a special service.
On this service you can find basic information about the fund and its activities. You can use the capabilities of NPFs through your personal account. People have a question about what are the advantages of the Sberbank Online NPF personal account.
Sberbank is the first bank to open a non-state pension fund. The bank client agrees to monthly contributions of money to his pension account, which can be used upon retirement. On the NPF resource in your personal account, you can view all transactions and the amount of accumulated funds.
The advantages of the fund are:
- reliability of all accounts - all terms of the contract are regulated and insured for safety;
- There is an online resource through which you can monitor your funds and step-by-step authorization;
- security of personal information;
- ease of use of the NPF bank service;
- confidence in the safety of the fund's funds.
If a person is not a bank client, then you can simply register in the fund’s account. Thanks to this, you can get acquainted with the information on the site, which is freely available.
How to complete the registration procedure?
The first thing you need to do is go to the website http://npfsberbanka.ru?/. Then follow the guide:
- In the upper right corner, click on “Personal Account”.
- The site will prompt you to fill out a form. In it, indicate the virtual mail address, password, password confirmation, full name, date of birth, cell phone number, passport series and number, SNILS.
- Enter the specified captcha, which is a confirmation.
- Check the box next to “I agree to the processing of personal data.”
- Check the box next to “I agree to receive SMS from the bank.”
- Double-check all entered data.
- Click on “Next”.
After registration, you can change your information. When registering, select your security question, which will be the access code to restore your personal information.
NPF Sberbank Personal account
Registration in the system gives clients the opportunity to:
- find out the accumulated amount;
- make another deposit and set up automatic payment;
- view the history of payments or payments;
- submit applications online.
Sberbank cares about each of its clients, so it tries to make cooperation as comfortable as possible.
How to find out the amount of NPF savings in a bank?
Information on profitability is displayed on accounts no later than the end of the first quarter of the year following the reporting one. The profit amount can be viewed in your personal account.
By clicking on “Details” you can see not only the pension, but also the income from it. The service only allows you to view your profit, but not receive an account statement. To obtain an extract, you will need to visit the branch and submit the appropriate application. You can pre-print it from the official website. Bring your passport with you and indicate the contract number.
How to withdraw money from Sberbank NPF?
You can receive the accumulated money when you reach retirement age. Payment of accumulated funds is made based on the application of the insured person. To do this, go to the bank office and have with you required package documents. Application forms are available in your personal account. The payment procedure is as follows:
- the first payment is made no later than 30 days after the application is submitted;
- non-state pension is paid every month;
- money is transferred to a bank account.
After the pension is assigned, the client is sent by mail or handed a pension book.
Why doesn’t the contract appear in my personal account?
There are several reasons why an IPP or OPS agreement may not be displayed:
- the client has not entered into an agreement with NPF Sberbank;
- after the conclusion of the contract, the surname or other passport details were changed
- When registering on the resource, errors were made in personal data;
- makes payments under the agreement entity, not physical.
If the contract is not displayed within a week after its conclusion, then you need to contact support.
As you can see, NPF Sberbank is a comfortable way to invest in your future. The program and the service itself are designed to the smallest detail. The registration procedure is as simple as possible. In your personal account you can track all transactions.
Sberbank NPF, since the formation of the organization in 1995, has confidently occupied a leading position in this segment and is among the top ten.
This became possible, in large part, thanks to the wide representation of the fund throughout the country.
Pension Fund Sberbank, ensuring maximum reliability of deposits (according to the National rating agency- in the AAA group, Expert RA - A++) offers citizens a wide selection of corporate and individual pension programs:
- Mandatory pension insurance.
- Individual pension plans based on non-state pension agreements.
- Corporate pension programs for legal entities.
The entry threshold for individuals is only 1,500 rubles. Periodic contributions - from 500 rubles.
Sberbank NPF annually increases your savings due to investment income.
You can return 13% of your investment when applying for a social tax deduction.
Advantages: allows you to significantly increase the size of your future pension. Gradually you can save up for a quite decent pension, even more than your salary.
Disadvantages: no stable income from investment, bureaucracy.
Reader's opinion: Anna. Moscow. There is no hope for the state. The employer pays in gray. You have to take care of yourself on your own. I chose the Universal plan, I top up several thousand a month. What other options are there to collect for retirement - deposits, but there is a different payment mechanism, real estate to rent out in old age - I can’t afford it yet. That leaves NPF, and here the most reliable one is Sberbank, still the most big bank countries.
How to switch to NPF Sberbank?
- To sign an OPS agreement, the client must visit one of the bank’s branches. You need to have your passport and SNILS with you.
- Fill out the application in the prescribed form. Sign the OPS agreement, in which the heirs should be indicated.
- Fill out an application to the Pension Fund for transfer to a non-state pension fund before December 31 current year. Most often, NPF employees independently submit the completed form to the Pension Fund. Savings are transferred to NPFs until March 31 of the following year.
Can I go over the phone?
Transfer of pension savings is possible only with a personal visit and presentation of documents (passport and SNILS), the transfer is not carried out over the phone.
Profitability
| Year | Profitability, % |
| 2009 | 32,2 |
| 2010 | 9,2 |
| 2011 | 0 |
| 2012 | 7,3 |
| 2013 | 6,7 |
| 2014 | 2,6 |
| 2015 | 10,7 |
| 2016 | 11,7 |
They have a calculator on their website. Let’s say a 35-year-old man with a white salary of 100,000 rubles wants to provide himself with no less pension; according to the calculator, he must save 10 thousand rubles per month, then his pension will consist of:
- Funded pension - 31,986 rubles.
- Non-state pension - 69,855 rubles.
How much will be paid in total? 60 years (retirement age) - 35 years = 25. 25*12*10000=3,000,000.
Compare with bank deposit. 25 years = 5 deposits for 5 years (nowadays banks rarely offer programs for longer periods). The rate is 11%. We invest 10,000, add 10 thousand monthly, the interest is capitalized.
For 5 years, the amount of additional investments is 590,000 rubles, the accrued interest is 202,385 rubles, the amount of the deposit with interest is 802,385 rubles. Multiply by 5 - we get more than 4 million.
For how many years will the pension from the NPF be paid? From 5 years or more.
Reader's opinion (vocabulary preserved): Egor. Shcherbinka. I’m 38 and I don’t understand at all how my pension will be paid. The state has frankly failed with its under-reforms, schemes, and formulas. It’s true that a normal person can’t understand; none of my friends understand how they will pay their pension. Also these frosts of some part. There is an eternal shortage of money for the pension fund, which is huddled around the cities in far from poor premises and there are plenty of staff there. For myself with a pension I decided: 3 topics:
- Children are our main hope; we invest in their education, clubs, books, etc.
- Sberbank NPF - I just signed an agreement and transfer 5 thousand every month. There should be about 25 thousand every month of additional pension.
- Bought with a mortgage one-room apartment, we’ve done some renovations, we’re renting out, the mortgage will end in 9 years, we’ll rent out in our old age, it’s a good income.
I hope this has ensured your old age.
This is interesting: The fund has robo-consultants adapted to pension topics, capable of consulting clients, talking about all pension products, answering questions and much more.
Personal Area
The official website of the fund is http://www.npfsberbanka.ru - there you can look at the programs and try the above-mentioned calculator.
After concluding the agreement, you will have access to your personal account https://lk.npfsb.ru
There you can track statistics on your savings, investment income, and other data.
Hotline number: 8 800 555 00 41