Many Russians have already transferred their savings to non-state pension funds. They decided on such an action that the future pension would become larger. Most non-state pension funds operating now in Russia promise to increase the percentage, which is calculated as part of the pension. Among these organizations, the Non-state Pension Fund Trust is distinguished by favorable conditions and a large list of programs.
Fund Information
The main goal of the institution is to help increase savings. The non-state pension fund “Trust” provides clients with a wide range of services, which includes the formation of additional savings and the management of their pension. The percentage accrued by the organization helps save money from ever-increasing inflation. Despite the prefix, the non-governmental trust fund is controlled by the state. Therefore, people's fears that accumulations can burn out are in vain.
According to the organization’s statistics, the average return on investment is about 10.3%. This figure is considered quite large, since even some banks can provide their customers with only a 5-6% rate. The high position of the company is also indicated by the fact that the Pension Trust fund was rated among the top 10 non-state pension funds in 2016 by the number of contracts concluded with this organization. The company is also included in the top 30 companies in Russia in terms of its property.
When was created
The organization was founded in late 1997, the founders were large organizations, individuals and legal entities, banks registered in the Nizhny Novgorod region. Immediately after the opening, agreements were concluded between joint-stock companies and the Non-state Pension Fund Trust. The number of shareholder companies included BIN FINAM Group, Nizhegorodpromstroybank, VolgaTelecom, Nizhpharm, BINBANK, and UK Bazis-Invest.
Line of activity
According to the information indicated on the official website, the pension fund carries out work in two directions:
- Assistance to citizens on retirement. Assistance is provided as part of universal pension insurance.
- Work on non-state support.
According to expert studies, both types of activities are successfully carried out by NPF Trust. According to 2013 data, already in the first quarter, more than 340,000 people agreed to move from the state pension fund. Almost all customers were satisfied with the service of the company's employees, who provided additional information and sample contracts. Thanks to this, the number of fund accumulations amounted to more than 8.5 billion rubles. in 2015. Compared to 2012, this figure increased 2.5 times.
Comparison with GPF
The organization provides its customers with a wide range of services and programs. Future pensioners can be calm for the funded part if they transfer to the Trust trust fund under an agreement. The company's specialists call the following benefits that customers will receive after the transfer of savings:
- various programs for cooperation;
- the opportunity to transfer the pension by inheritance;
- increase in profitability in the future after going on vacation;
- lack of inflation and risk;
- independence from retirement age.
Before concluding the contract, you can find out how the effect of accrued interest on the size of the future pension occurs.The factors acting on this number include - the number of years worked in the organization, the amount of wages, contribution to the co-financing program.
When investing in a state fund, the basic rule applies - a person who has worked for more than a year will receive the largest amount of deductions. If the organization pays a large fee, this also positively affects the amount of deductions. Therefore, before retiring, many go to high-paying jobs in order to get a good increase in retirement.
In order to rectify this situation, it is necessary to select from the list of institutions independent of the state that is most suitable for the conditions and conclude an agreement on the transfer of savings with it. The Trust Trust is a pension fund, according to reviews, among modern organizations represents the most favorable conditions, which many clients have appreciated.
Contacts
Having walked a bit from the Aviamotornaya metro station, clients get to the main office of the Pension Trust fund at an address located not far from the passage of the Hammer and Sickle factory, 10. In order to get an appointment with the company's specialists, you need to go to the office.
Staff consults daily from Monday to Friday. These actions are carried out from 9 to 18:00. When questions arise at other times, it is recommended that you call the Non-State Pension Fund Trust in a hotline. Specialized operators of the institution are ready to solve customer problems from 8 to 20 hours.
In other regions of Russia, branches and branches of the Trust trust fund are not provided. For remote communication with employees, a telephone line, email, or website is best.
Where does it work
The activities of the institution cover the whole country. Without exception, all residents of Russia can use the services provided by the Non-governmental Pension Fund Trust in Moscow. This right is confirmed by a special license from the Central Bank of the Russian Federation. During licensing, the Bank registered the Pension Rules in force in Russia. This document spells out all kinds of conditions that affect the payment of interest and the formation of reserves for pensions. A client from any region or region, before transferring savings, studies the Pension Agreement and selects a program. At the same time, a refinement of how contributions will be made. Then you should ask all questions of interest, including find out how the contract is terminated if necessary.
How to go
The decision to move to a new non-state fund should be taken deliberately, having weighed all the arguments and examined the feedback of clients and experts. Better yet, look at the statistics, according to which Trust every year takes the leading position among the same organizations.
After that, you can go to the official website and read the section where information about the terms of cooperation with corporate and private clients is provided. All existing programs and services are described in great detail. So that the client no longer has questions. On the site you can also find out information about the shareholders of the fund, branches and contacts. When the contract is signed with the participation of an employee of the company, the client must be aware of additional conditions affecting the size of charges. Determined in advance:
- number of pension contributions;
- contract time;
- procedure for reimbursement of non-state pension;
- the ability to change or terminate the agreement;
- amount of contributions.
There is a provision on non-state pension funds. In the list of federal laws, it is listed under number 75. According to this document, a depositor may require NPFs to pay or transfer to another organization a redemption amount, if this condition is stipulated by the basic rules.Therefore, even before the conclusion of the contract, you need to ask in advance whether there are restrictions in the fund if you have to terminate the agreement before the deadline. After signing the documents, the fund takes on the responsibility of informing customers about the state of retirement accounts.
Personal Area
After registering a new contributor and transferring his pension savings to the Trust fund, it is most convenient to track information through your personal account, which can be quickly created on the official website. This option is available around the clock. Here you can not only find out up-to-date information about the amount of savings and deductions, but also ask a question of interest through the feedback form.
Your personal account allows you to quickly learn about the various innovations that have occurred in the organization. Here you can also calculate the pension and, if something doesn’t work, leave the Pension Trust fund.
How to get out
On specialized portals about the Trust fund, pension reviews are most often posted positive. However, in some cases, it becomes necessary to terminate cooperation with this organization. You can terminate the contract with the fund for various reasons. Sometimes the employer company conditions its employees that they save their savings in a particular pension fund, or the client decided to conclude an agreement with another organization in which the amount of interest accrued on savings will be greater.
If it was necessary to leave the Pension Trust fund, according to reviews, you need to do this in the most correct way. Russian law confirms that a shareholder can terminate a contract with an NPF at any time.
After such a decision has been made, he must send a statement of the appropriate type to the organization. Just sending documents by mail will not be enough, since you will need to put a personal signature on them. From this moment, the contract is considered terminated, and all funds that were previously placed on the accounts of NPFs are transferred again to the GPF, which is engaged in the same activities.
The information about the company indicates that the process of payments by the Non-governmental Pension Fund "Trust" will differ from the same procedure carried out in another organization. Regardless of the moment at which the client terminated the contract with the fund, the entire amount is transferred in accordance with the procedures prescribed in advance in the documents. If you withdraw from the contract, a non-state pension fund can be held accountable.
Benefits
As indicated on the official website, this organization was created to help future retirees and positions itself as a highly profitable fund. The pension agreement, which is concluded as part of the program, first of all follows the interests of the depositor. After the shareholder reaches retirement age, the fund is obliged to pay the client a predetermined non-state pension.
The legal entity obtains even more advantages, which, after signing the documents, ensures the right to non-state payments to all its employees. For this, a local normative act is preliminary approved, which in the future determines the receipt of pension rights by participants.
disadvantages
Often on various sites there are negative reviews about the company "Trust". They are connected with the fact that the representatives of the fund do not always act in an honest way when concluding an agreement. For example, some workers indicate that without joining this fund, savings can burn out. A person who does not have a special legal education agrees to sign an agreement, subsequently receives notifications that the funded part of the pension has been transferred to the Trust trust fund. Reviews after such actions are, of course, negative.
Currently, the work of these employees has been terminated due to a large number of complaints.Now users can independently study this and other funds and only then decide whether to transfer their savings or leave them in a public institution.
Reviews
Unfortunately, in Russia there is a not very good tradition to leave only negative feedback. In the case of the Trust fund, retirement reviews are more unpleasant. However, despite the fact that there are very few positive opinions on the Web, many people are satisfied with their cooperation with this company. They argue that the contract has a very understandable structure that even a legal layperson can figure out. And the specialists of NPF “Trust” add that for any questions it is better not to pay attention to negative information, but go to your personal account or call the support service.
Total
Having studied all the information provided by the official website in detail, we can conclude that the Non-governmental Pension Fund Trust is an organization that rightfully deserves its name. The company has passed the test of time and helps to increase savings so that the future pension is decent. Entrusting the savings of this organization, investors receive high investment benefits.