How to transfer pension savings to Sberbank? We will have to deal with this issue today. Pensions are an important moment in the life of any citizen. In Russia at the moment there is an accumulative system of pension savings; each citizen has the opportunity to take care of his own old age. Non-state will help in this. pension funds. It is in them that you can make deductions, which afterwards will turn out to be an additional pension supplement. The method is good, but for maximum efficiency it is necessary to choose a stable fund. This is not so easy! Is it worth it to translate retirement savings to Sberbank? Is it possible to implement the idea? How exactly? What do customers think about this organization?
Is there a right
The first step is to figure out whether it is really possible to transfer cash deposits to old age at Sberbank? After all, this organization is a stable and well-known All-Russian credit company - a bank, in other words. And for pensions there are special funds, mainly non-state.
Is it possible to transfer pension savings to Sberbank? The answer is no. After all, in order to save money for your own old age, you have to turn to pension funds. is it so bad?
Alternative solution
Not at all. If you want to save yourself old age on your own, you have every right to use one trick: just open a deposit at interest at Sberbank. And consider these funds as pension savings.
In principle, the method is quite popular. Only he is not quite right. In fact, you will not have any pension payments (funded). This is not entirely fair. After all, opening an account is an analogue of storing money in an envelope. Therefore, many are still thinking about how to transfer pension savings to Sberbank legally. Are there really no alternatives besides opening a deposit at interest at a bank?
The impossible is possible
Of course there is! Moreover, an alternative appeared around 2006. The thing is that in Russia most banks open their own non-state pension funds, and Sberbank was no exception. True, the organization is called in the same way as a credit company.
It turns out that in reality savings can be transferred to Sberbank for old age. But only when it comes to a private pension fund with the same name. But you can’t put money in a bank for a future pension. Consider this nuance.
NPF Sberbank offers not only storage, but also augmentation of savings. Not too big, but it's better than nothing at all. Should I transfer pension savings to Sberbank? Or choose some other organization for this venture?
Stability and confidence
To understand this, you will have to pay attention to many aspects of the activities of the pension fund. They are interested in the population. Often reflect the integrity of the company.
In the first place is usually stability. After all, when a license is taken away from a non-state pension fund (which is not so rare now), it is almost impossible to return own savings. NPF Sberbank is credible. It is distinguished by its stability. By the way, mainly because of the support of the largest bank of the same name.
The level of trust (trust) of customers and reliability - this is what actually reflects the stability and sustainability of any pension fund. At Sberbank, it has an A ++ indicator. This is the highest degree of reliability. It turns out that you don’t have to think about how to transfer pension savings to Sberbank. Indeed, in Russia, reliability often reflects the real quality of the organization’s work.
Profitability
The next important indicator is profitability. It reflects how much your retirement savings will increase per year. A very good criterion for choosing a pension fund. It’s not enough to be stable so that clients pay attention to the organization; they have to offer them favorable deposit conditions.
NPF Sberbank, according to statistics, is notable for its profitability. It offers about 12-13% return. That is, for the year at your indicated rate your pension savings will increase. This is much more than what competitors offer (8-9% per annum).
Customer return is pleasing. It is emphasized that Sberbank is really ideal for multiplying savings. Most importantly, many are confident in the stability of the company. After all, the pension fund is supported by the eponymous and largest bank in Russia. This means that there should not be any problems with pension payments or with a license.
Another point: if you entered into an agreement before December 31, 2015, your savings will additionally increase at the expense of the employer and the investment income of the pension fund. Otherwise, the money in the account will increase only due to your personal contributions. All this is due to the developed funded pension system in Russia.
Translation Procedure and Conditions
How to transfer pension savings to NPF Sberbank? Make it easy and simple. First you have to study the conditions that the organization offers. It is worth considering further actions if they are satisfied. At the moment, you will have to transfer at least 1,500 rubles to the fund. But this is only the first payment, after which it will drop to 500. How many times and when exactly to transfer money to an account in a private pension fund, the depositor chooses. Nothing suspicious or terrible.
How to transfer pension savings to Sberbank? You need to bring your passport, SNILS, if there is a TIN, marriage / divorce certificate, birth certificates of children. After that, come to the department of the fund and write an application for the transfer of the funded part of the pension to Sberbank. Inform the FIU in advance of your decision. If the money was previously in the account at another non-state pension fund, you should write a statement there about the transfer of money to Sberbank. Any citizen of the Russian Federation from the age of 14 can become a participant.
Set your own pension payments, but they must be at least 5 years old. Please note: the fund may inherit pensions. Customers leave positive feedback about the company's work for this. Without problems, it will be possible to transfer funds to another pension fund. If you do this in the first 2 years after the conclusion of the contract, you will receive 80% of the money paid, otherwise all 100 (and 1/2 of the interest received in the fund). When changing NPFs, citizens are entitled to receive all funds only after 5 years from the date of cooperation with Sberbank.
Do I need to transfer money
As you can see, there is nothing difficult. But should pension savings really be transferred to Sberbank? Reviews about this company are mixed. People emphasize a breach of contract at the time of transfer of funds to another non-state pension fund. Also, this organization sometimes has problems with the payment of pensions. In the end, investors sometimes do not even suspect that their funded part of the money for old age is in Sberbank.
Nevertheless, the company is stable. She will not be deprived of a license, and sooner or later the money will be paid to the population. If stability of the organization is an important component for you, then Sberbank is worthy of attention.
