Today, a company called Welfare will be presented to our attention (Pension Fund). This organization has long been in great demand among citizens. But what is it? What services does she offer? Can you trust this pension fund? You can understand all this with the help of numerous reviews about the corporation. Maybe this is where you should turn under certain circumstances? Or is it better to refrain from contacting “Welfare”? All of this remains to be learned further. In fact, it is not so difficult to make the right choice if you pay attention to the various nuances that are noticed by employees and customers. They will help to understand what “Welfare” actually means - a pension fund.
Activities
First you have to pay attention to what this company does. Maybe you don’t even need her services at all! "Welfare" is a pension fund, and non-state. We can say a private company that deals with the collection and storage of pension savings.
In principle, there is nothing extremely difficult to understand here. This fund is the guarantor of your old age. Anyone can apply here to keep the funded part of the pension, increase it, and then receive funds upon reaching retirement age. Nothing suspicious, right? “Well-being” is a non-governmental pension fund that gains the trust of citizens. But why? What are the pros and cons of it?
Rating
The so-called reliability rating plays a huge role. As already mentioned, non-state pension funds in Russia are being created with tremendous speed. It turns out that the competition here is also high. And pension funds literally have to survive. Many organizations are closing.
But not “Welfare”. The Pension Fund is in the forefront of the ranking of places to store the funded part of income. The level of trust here, judging by modern standards, is A +. Almost the tallest. And, therefore, there is no need to be afraid of its closure. Moreover, you can be sure that no one will encroach on your savings. They will not be lost and will be paid to you on time. So, “Welfare” is an organization that arouses the trust of customers. In any case, this is what statistics and rating say. She certainly will not be deprived of a license!
Spread
The next point that pleases many is the distribution of the company. Often private pension funds exist within just a few cities. But this is not our case. Why?
It is difficult to name the exact address of the Pension Welfare Fund. After all, this is an All-Russian organization, its branches are located in each subject of the country. And it pleases. We can say that in front of us is a conscientious organization that is not hiding and will not close at one fine moment. So keep that in mind.
The main office, of course, is located in Moscow. You can find it on Malaya Dmitrovka street, house 10. But it is advisable to look at the remaining branches on a special interactive map of your city. Listing them all simply does not make sense - there are a lot of offices at Welfare. Even in the smallest town, you can find this pension fund. And it pleases customers.
Caring for Your Retirement
What else is worth paying attention to? For example, the position of employees working in a corporation. They play an important role for our organization today.Why? What can “Welfare”, a pension fund, offer? To find out your savings, save them and increase them - this is what you can get at any time by becoming part of the organization.
Employees assure that this particular non-state pension fund will help provide you with a good, comfortable old age. It is enough to make deductions on a regular basis. They will be stored in the fund, and when the time comes, they will be paid to you in one or another size in type of pension. With all this, money not only lies in the account, it will still bring you profit every year. Many clients emphasize: “Well-being” promises to take care of your future pension. And it pleases many. After all, it is somehow necessary to provide for old age. The sooner you contact the organization, the better!
Conclusion of an agreement
Despite the fact that the pension fund has a rather high rating and the level of reliability, trust, some customers remain dissatisfied with communication with the company. Why? There are reasons for that. For example, Welfare (a non-governmental pension fund whose addresses can be found in every city in Russia) is too active in attracting customers. And it does not use the most honest methods. Sometimes employees of some firms find that they are part of this organization. That is, even without actually signing the contract! All this makes us think about the dishonesty of the corporation.
In principle, to some extent, the way it is. Most often, "Welfare" enters into an agreement with one or another company-employer. After that, “automatically”, all of his personnel become participants in the fund. Not entirely honest, but this scheme works for many. Therefore, do not be surprised if you notice how customers express dissatisfaction with the fact that they did not conclude an agreement with them. This will hardly surprise anyone.
In general, the non-state pension fund Blagosostoyanie receives quite good reviews for drafting and concluding contracts. All the nuances are written directly in the text. You will be able to get accurate information on how to withdraw your funds if necessary, how much is the return on membership per year. In addition, you must sign the corresponding agreement in person. No cheating, everything is only according to your desire. And it pleases. It is almost impossible to find a more precise agreement, in which all the subtleties and nuances of membership will be indicated!
Profitability
Many are also interested in profitability. Not the most important, but very interesting point. For some customers, it is almost a fundamental link. To some extent, this position is clear: I want to find a reliable company that can multiply your pension in the future on favorable terms. But what about this corporation?
“Well-being” is a pension fund that does not have a particularly high yield. In a crisis, almost everything is eaten up by inflation. If you look at the statistics, it will be seen that over the past year, the yield was only 4.5%. Not too much, but it's better than nothing at all.
It turns out that for the clients of Welfare, the return on membership should not be in the first place. This is a reliable and proven pension fund, but it does not promise you high returns. This factor disappoints some customers. But, having turned here, you can sleep peacefully - the money will not go anywhere.
State of an account
It turns out that not such a conscientious organization called “Welfare” (pension fund). Each citizen can find out their savings without special problems upon application or after a personal appeal to the company office. And here many remain indignant. Especially when it comes to taking money.
Firstly, request processing will drag on. Some customers note that checking an account is not such a quick process. It requires a certain expectation. And I would like to instantly know the balance.Secondly, it often turns out that you have less money than it should have been. Moreover, they do not multiply at all. That is, as if in a bank they are kept on an interest-free deposit. And, therefore, there is no point in the fact that the future pension lies in “Welfare”.
That is, the organization has its own surprises, and not the best ones. And they alarm some customers. Often, because of such moments, citizens try to translate retirement savings to another fund. Here, too, the problems begin.
Take money
Which ones? "Well-being" - a pension fund - reviews are not the best. You can say they are terrifying when it comes to transferring your savings to another corporation.
Why? Huge problems begin here. In general, they tell you that at any moment, but no more than 1 time per year, you can transfer pension savings to various non-state funds without any problems. You just need to write a statement. And indicate the details of the account where to transfer the money. It seems to be nothing difficult or special. But upon accepting your request, “Well-being”, the pension fund begins to “bustle”. He will reject the application by all means. That statement was written incorrectly, then some other incomprehensible reasons. It turns out that taking money from a company is almost impossible.
If you still succeeded, do not rely on cash. All funds will only be transferred to an account with another pension fund. But here, there were some surprises. Transfers take too long. According to customers, they will have to wait about 2-3 months until Welfare - a non-state pension fund - transfers money to your account in another branch. It turns out that your funds are simply withheld. It disappoints many. After all, initially you will be promised complete freedom of action.
Surprises
The Russian Railways Pension Fund (Welfare) also has not the best popularity among employees and customers for some moments. For example, it often turns out that a company simply does not have the money to pay. Where exactly they disappear is unknown. And no one can explain this. Neither employees nor customers. Everyone is ignorant. Also, some clients say: there are suspicions that the Pension Fund "Welfare" manages the money of depositors at its discretion. There is no direct evidence for this, but why then do the investments disappear often? A good reason to think: is it necessary to contact this organization?
findings
What can be summed up? Welfare is a pension fund that is currently constantly expanding and holding rather high positions among companies offering to make savings. A high but unreasonable level of trust, as well as wide distribution throughout the country - this is what this company gives.
It is possible and even necessary to invest money here, especially if you do not plan to make transfers to other pension funds. And if profitability is not important for you. “Welfare” will definitely not lose its license, it will function as before. But there are some negative points here. This is not the most conscientious company, but it is reliable and time-tested.
