Is it worth moving from PFR to NPF. The structure and operation of non-state pension funds. How to transfer pension savings to the state pension fund

Surely each of us at least once thought about what is better to choose a Pension Fund or NPF. Well, it’s 2017 outside the window, there’s a crisis in the yard, it's time to decide!

Perhaps someday, indeed, in our life, everything white will become white, and black - black. Someday this sacramental beach slogan: "The rescue of drowning is the work of the drowning themselves" - well, or the bank slogan: "Taking care of the deposit is your personal concern" - really, will not be just an empty ringing.

Okay, you can start with something else. And how much can you talk about respect for people on the part of the state, about taking care of them only "on Victory Day" or "Halloween". As one actress rightly said, let's talk about people well while they are alive, and not already at a funeral.

And the "cry from the heart" is caused by the place and significance of the Pension Fund Russian Federation in the life of the country's citizens.

But first about the "white" - what is a pension, its essence.

There is nothing to be done, sooner or later we all have problems, when without money it becomes impossible to solve these problems. We anticipate these problems in advance and what are we doing? Everything is very clear! We do not wait for the situation to come to a head, but gradually accumulate the necessary funds in the future.

Over time, one of the main problems for everyone is becoming age, or rather, the circumstances associated with it. Yes, there comes a time when a person is simply not able to perform those functional responsibilities that are required of him at the workplace.

You have to move to another job, easier, or even give up work and start living on the money that you could accumulate during your entire previous life. And if you were helped in the accumulation by the banks, which contained these funds and put them into circulation, bringing interest, then it is absolutely wonderful.

But, here the question arises - do we, for the most part, possess that purposefulness, that character, that willpower, so that for more than a dozen years, all our lives, we simply save money for retirement. The state unambiguously answers - NO! And this answer is probably correct. Hence, from this forgivable mistrust of the state towards its citizens, the country's Pension Fund develops.

In other words, pension contributions are essentially voluntary. But the state cannot be at risk of annually “entering the market” of hundreds of thousands of its citizens, who do not have the slightest content and are no longer able to provide it. Hence the mandatory nature of pension contributions.

While everything is white.

Black begins when the FIU starts functioning.

A huge number of questions arise during the work of the FIU and the relationship of citizens with it.

But first, a little calculation.

Initial data:

estimated period () - 40 years (or 480 months);
wages during this period - 50,000 rubles (and in fact it can be more, oh, how much more);
percentage of contributions to the Pension Fund - 22 (this is according to the Law of the Russian Federation!).

We consider:

For the entire time of work, we received - 480 x 50,000 = 24 million rubles;
In the Pension Fund they gave - 24,000,000 x 0.22 = 5 million 280 thousand.

So everyone retires as a multiple millionaire! And what, I wonder, a pensioner can have problems !? Let's not forget that many are still quite ready to work. Let's not forget that this money can be deposited in the bank, which will increase your amount with interest.

Now it becomes clear:

where does such an incredible staff of this Pension Fund come from;
where do such incredible salaries come from for managers of all levels of this Fund;
where are all these multimillion-dollar palaces built by the PF in all regions of the country.

And this is for the money of their own citizens!

A very small section as an intermediate output

But, most likely, it is not the mansions and not a bunch of doing nothing that makes the state hold on to the PF like that. The point is different:

The fund is a huge source of funds for the state, which can be directed at your own discretion. A source, the rejection of which is unthinkable for purely economic current reasons, and not at all out of love and respect for its citizens.

The correction of the situation in this generally noble idea of the Pension Fund is as follows:

The state should loudly announce to its citizens that their money in the FIU still belongs to them and without any conditions.
Any citizen can at any time find out the amount that he personally has accumulated (the state has accumulated for him - and there is nothing reprehensible in this, let's not forget about our disorganization of life and the state's assistance to us in this matter).
Any citizen has the opportunity to refuse to participate in the formation of his pension and take all the accumulated funds for himself. The reason, yes, any: from the certainty that this will be enough for him until the "X" hour, to the unwillingness to leave something behind, and over 60 he no longer sees himself or does not want to see himself.
The state, respecting the opinion of its citizens (THE CORNERAL MISSION, TO WHICH SHOULD PAY ATTENTION CONSTANTLY) and caring about their future, can only constantly remind them of the need to think, not to let things go by themselves, they say, it will be seen there. The government needs to constantly conduct targeted campaigns to advertise “smart and forward-thinking” lifestyles. You should not be afraid that everyone around is so unintelligent that they will definitely do everything wrong (and we will only add - as the official wants).

As a matter of fact, the situation is very similar to the one that develops with the contract army. How is it - voluntarily! So there will be no army at all, who will join it voluntarily! But as the experience of the United States shows, there are very many advertisements throughout the country, and throughout the country recruiting offices, and the idea is constantly working, how to make service in the army attractive.

Until then

In the meantime, everything is governed by the compulsory idea of the Pension Fund, and we “hand over” a fifth of our honestly earned labor to the state - 22% (now we don't even say that in reality they are divided into insurance 16% and funded 6%).

What are the advantages of such a "mutual partnership"?

First. The state is responsible for the money received and guarantees its payment during the entire period of the pension.

But here, we count again.

Initial data:

the amount of accumulation by the age of 60 - 6 million rubles;
I'm going to live at least 30 more (oh, “Dreams, dreams, without them life would be boring,” as the brilliant American writer Edgar Poe wrote, by the way, one of the founders of science fiction and “fears” in literature, early XIX century, still in full bloom Alexander Sergeevich Pushkin).

every month the pensioner will have at his disposal 20 thousand rubles. So, now more than half of pensioners can only dream of such a pension (and we get it to be minimal, note!).

When we say that the FIU is guaranteed by the state, we are not exaggerating at all, after all, it is state structure... Moreover, the state annually conducts (increase, in simple terms) pensions, if those 400-600 rubles are of interest to anyone at all. Nevertheless, this is also some kind of a plus, although some are even subtracted.

But we must understand that the state will not be able to protect anyone in the event of global financial crises, such as those that occurred during the collapse of the Soviet Union, in 1998 or in 2008. All the same, you will have to "get out" (and think!) Yourself.

But in recent times, again, at the initiative of the state, a new reason has arisen for the shapers of their lives “after work”.

These are - Non-State Pension Funds.

Again, it's very simple. NPF - specialized commercial structures who are ready to accept pensions-money, work much more actively with them, invest in business, as they say, and due to this provide noticeably higher interest on such pension contribution.

Something too looks like the same "Khoper". Yes, there are risks of losing their investments and the main danger of NPFs. Unfortunately, the situation of recent times is not very encouraging for depositors. So the Central Bank of Russia in 2016 revoked the licenses of four NPFs with rather sonorous names - “Sun. Life. Pension "," Savings Fund sunny Beach"," Savings "," Protection of the future. "

But, okay, these are all little-known NPFs. So, in fact, ceased to exist and very solid - "Renaissance Life".

To the list of non-state pension funds accredited in 2016.

And again the conclusion - when choosing an NPF, be sure to "go over" its entire "pedigree", do not rush immediately to 13% per annum, while the FIU offers only 7%. In any case, the choice between the NPF "We wish you happiness" with 15% and the NPF at Sberbank of Russia (there is one) with 12% must be made in favor of Sberbank.

The choice of an Independent Pension Fund (one can even call it a “commercial” one, and the future pensioner himself becomes a “businessman”) instead of a “state” one is also conditioned by another component of the relationship.

This is a long-standing problem government organizations- publicity and transparency of their actions. At NPFs, publicity is (in potential, of course) on the broadest possible footing. When you come to the Independent Fund, you come “to your home”, you are the owner here, you are received at the highest level (dreams, of course, are quite Poe). I don’t even want to talk about how you are met in the state Pension Fund - there’s no room for dreams, the reality is solid (or rather, “dust”).

You can say that investments in NPFs are insured by the state. Yes it is. But if we now begin to examine the issue of relations with insurance companies, then there is a danger that tomorrow another two or three NPFs will close, they will simply go bankrupt.

The state protects its citizens from burnt-out NPFs !? Yes, and it is. The funds will be transferred to the FIU, but only in full and in percentage. Everything will be done quite quickly - and nerve cells still do not recover, but running around the notaries in an attempt to demand the paper you want, and these incomprehensible questions: “Maybe you will go to another non-state fund” (yes, “healthy again”).

No, and there is no question of any discrediting government agencies... How can you discredit them if “the state is me”, from the Kremlin to the beach on Sakhalin. Moreover, funds in the state Pension Fund are tax-exempt. Well, they can invest in areas strictly defined by law (unfortunately, “on themselves” - such an area is also on this list). Have Non-state funds there are no such restrictions - hence, among other things, a wider choice and greater percentage.

And the bright side of the whole story with our pensions, or rather, their accumulation, is as follows.

This whole story with the deprivation of a fifth of our salary, "for the good", of course, makes all of us think about life today and tomorrow. Perhaps we will someday begin our morning "Nine-o-Clock" by viewing the latest quotes on the stock exchange.

The Non-State Pension Fund (NPF) is a non-profit social security organization.

On the territory of the Russian Federation, since 2010, the pension of each citizen consists of three parts - an insurance one, which is 14% of deductions, a base one, equal to 6%, and a funded one, which is 2%.

Each citizen can dispose of the cumulative part of his retirement savings at his own will. For example, list it in a non-state Pension Fund(NPF), which will manage them, and increase the amount of your pension from the profit received.

Pros and cons of keeping savings in NPFs

According to Tax Code RF, pensions paid by such organizations to their contributors are not subject to taxation. This also applies to the income that the depositor receives on his account.

If circumstances force the depositor to move permanently to another country, then he will receive the pension paid by the NPF in any case.

The only inconvenience associated with the occurrence of such a situation will be that the depositor will have to confirm annually that he is alive. In the event of the depositor's death, his relatives or close people who have an officially issued power of attorney will be able to dispose of his money savings stored in the fund.

The disadvantages of such structures include the fact that the size interest rate may change in each reporting year, which may slightly reduce profits.

Conclusion

Based on all of the above, we can conclude that non-state pension funds were created to ensure the conditions for the most profitable use of citizens' funds related to the funded part. It is obligatory to join them or not - the business of every citizen.

It is worth remembering that the pension paid by the state includes not only the money transferred by the employer in the course of your work activity, but also the interest accrued during this time. NPF will help you bail out maximum amount profit from your savings, doing it legally and without jeopardizing your contributions. In any case, you will receive the money you owe, and if necessary, you always have the right to change the NPF or even return all assets to the PF's disposal.

Non-state pension fund - a special form non-profit organization which manages in cash without access to citizens' accounts. In fact, NPF is an alternative to the state investment fund Vnesheconombank. They also invest the savings of future retirees in stocks, bonds and other securities for the purpose of generating income.

What is the meaning of the 2013 pension reform? Today, each employer makes contributions to the pension fund, 16% of earnings goes to insurance part, 6% - for funded. According to the reform, all contributions from Russians who do not want to transfer the funded part of their pension to the NPF will go to payments to the current (insurance part), and the funded component. In the FIU, such Russians are called "silent".

NPF advantages

By the end of 2013, more than 24 million Russians under 1967 were in favor of transferring their pensions to NPFs. The reasons why citizens prefer NPFs are related to a number of its competitive advantages in relation to Vnesheconombank:

This is the only way to preserve the funded part of the pension - with proper investment, it can significantly increase the future pension;
- the income received from investments of pension money from NPFs is higher than from Vnesheconombank, in 2013 the profit of the latter practically equaled the inflation rate;
- the funded part of the pension implies great flexibility in its management (for example, it can be bequeathed to any person);
- NPF clients always have the opportunity to track the status of their personal account through the cabinet.

Due to the inspections of the Central Bank scheduled for 2014 and the implementation of the corporatization procedure, the reliability of the funds should increase. According to the law, even if an NPF goes bankrupt, it is obliged to transfer all savings to the Pension Fund, which insures their clients against the risk of losing pension money.

The advantage state fund stability is due to the ability to invest only in government securities. Whereas NPFs are available to invest in stocks and other securities, which makes their pension management more risky. At the same time, the flexibility of NPF investment investments also leads to higher profitability.

How to transfer your savings to NPF

The first thing to do is to decide on the NPF. When choosing, it is worth considering such parameters as the experience of the NPF in the market, the total amount of funds under management and the amount of its own assets, the total profitability of the fund over several years, as well as reliability.

To transfer to an NPF, it is necessary to conclude an agreement with the fund (in 3 copies), write an application for the transfer from the Pension Fund to the NPF. The client will need a passport and SNILS. It is worth noting that until the funds go through the corporatization procedure and are checked by the Central Bank of the Russian Federation, the admission of new clients is temporarily suspended.

Sooner or later, everyone has thoughts about how to ensure a "carefree" old age. We have been working all our lives and deduct contributions to the "treasury" of the state in order to subsequently receive stable income... But what to do if the size of the pension is not satisfactory, or there is a desire to accumulate an amount in another equivalent? Then you need to pay attention to commercial structures, while it is imperative to weigh all the "pros" and "cons" of such a decision. We will consider the detailed procedure for transferring to a non-state pension fund (NPF) in this article.

Fund selection

So, you have decided that you want to go to a private pension institution. Now your main and, perhaps, the most difficult task is to choose the right fund. Today, the market for such a range of services is quite extensive, so when looking for an NPF, you should pay attention to the following nuances:

Reliability level, referring to reviews and ratings of rating companies;
The number of insured people in NPF;
The range of activities of the organization, its duration and constituent composition;
The rate of return on pension funds;
Availability and convenience of the service (viewing and managing capital through the online portal, SMS mailing, profitable promotional offers, etc.).

In addition, you should consider the following points:

Advantages similar structure:
- an individual approach to each participant;
- increasing the accumulated funds;
- personal ownership of all pension capital.
disadvantages NPF:
- lack of a full guarantee of the safety of social payments;
- contributions and receipt of money only in rubles;
- quarterly or monthly pension payment system;
- the need to pay tax on the entire amount of savings upon reaching retirement age.

The list of non-state pension institutions that officially carry out their activities can be seen on the website of the PF of Russia.

Conclusion of a contract

To complete the procedure under consideration, you should contact the selected fund with the following documents:

original passport;
a copy of the identification code;
certificate of pension insurance(original).

Before signing the document, carefully read all its terms. If at this stage you have any doubts, it is better to postpone and consult an experienced lawyer.

For reference: many commercial structures of such a plan provide an opportunity for their clients to leave a request for cooperation remotely. For example, to apply for a Khanty-Mansi NPF, you just need to fill out the proposed form on the website. Then the authorized employee contacts you and clarifies all the details of the "deal".

Download on our portal:

Primary requirements

At the legislative level, required condition to go to NPF. You must submit an application before the end of the current year, which indicates the corresponding decision, as well as the name of the institution with which you plan to cooperate. The document can be handed over personally to an employee of the Pension Fund of your city, by registered mail or by courier.

The basic concepts and guarantees for the placement of funds in NPFs are regulated by the Law of the Russian Federation “On Non-State Pension Funds”.

Download on our portal:

How it works

Now that all the "paperwork" for re-registration is completed, you become a full member of a commercial savings institution. Your company makes compulsory insurance premiums, which can also be increased by independent investments. When you reach a certain age, you are entitled to claim the amount of the pension by stating your request for payment in the application. In addition, there is always the opportunity to change your mind and register with another private institution or the state Pension Fund, having previously notified the territorial authority about this.

Navigating the article

Where can a funded pension be formed?

Those who have decided in favor can use the following options for their placement:

In the Pension Fund of the Russian Federation with a choice. At the same time, the management company can be any - private, with which the PFR has entered into an agreement, or state (Vnesheconombank).
In a non-state pension fund (NPF).

If the savings are in the management company, then the appointment and payment funded pension will be produced by the Pension Fund of the Russian Federation, with the option of placing funds in a non-state pension fund - the selected NPF.

The formation of the funded pension occurs at the expense transferred by the employer for his employees to the OPS (), and at the expense of investing these funds. Insurance premiums are transferred by the employer in the amount 22% from wages employee, of which:

6% goes to a funded pension;
16% - on insurance pension(10%) and solidarity tariff (6%).

It should be remembered that since 2016, pension savings due to insurance premiums for OPS can be formed in individuals Born in 1967 and younger, which until December 31, 2015 made a decision in favor. The same opportunity remains for citizens who have recently started labor activity, and for which no more than 5 years have passed since the beginning of the deduction of insurance premiums.

The procedure for forming a pension in an NPF or a management company

Unfortunately, since 2014, by decision of the Government, the formation of a funded pension at the expense of insurance contributions "Frozen"... As a result, all contributions are transferred only to the insurance pension. extended for 2019, and will also be valid in 2020. As a result, only a voluntary component remains for the formation of pension savings.

The procedure for forming a funded pension differs from:

Unlike an insurance pension, there is no accrual in the funded version. Incoming funds are deposited on an individual account of a citizen in a Criminal Code or NPF of his choice.
Pension savings by the state not indexed, their profitability depends on their investment in financial market... At the same time, there are risks, since this process can have both positive and negative results. In any case, there are state guarantees : in the event of losses or revocation of the license of the NPF, the insured person retains the savings in the amount of paid insurance premiums, but without taking into account investment income.

In the event of the death of the insured person, his savings can be paid to his relatives or to the person that the insured indicated in the contract with the NPF (MC) or in the application.

Is it possible to switch from NPF back to the Pension Fund of the Russian Federation?

In order to securely place your pension savings and receive the maximum income from their investment, you need to be very responsible and competent in choosing a non-state pension fund: basic information about NPFs can be obtained from the data rating agencies, also on the official website The central bank Russia, where data on NPF profitability... There you can also see which NPFs have revoked their licenses.

If desired, the person who forms pension savings can send funds at any time. only for insurance pension:

In this case, the funds accumulated up to this moment will not disappear anywhere, but will continue to be invested by the fund or the management company in which they are placed, and will be paid to the recipient in full upon the occurrence of the right to receive them.
At the same time, he can continue to manage his savings. A citizen can (or change the Criminal Code) or transfer from the NPF back to the Pension Fund, but not on an insurance pension, but on a chosen one (private or state), which will invest them.

How to transfer pension savings to the state pension fund?

Transfer pension savings from NPF to Pension Fund and vice versa, as well as change Management company is legally allowed annually, but no more than once a year.

The truth is, you should know that replacing the insurer with frequency more often once every five years can lead to loss of investment income which was received by the previous insurer. Without loss of income, you can change the management company or its investment portfolio annually.

In order to still leave the NPF and transfer the savings to the state pension fund, you need to:

Decide on the choice of the Management Company, which will invest the funds received, and select the investment portfolio that it offers. List of MCs with which the FIU has entered into an agreement trust management pension savings can be found on the official website of the PFR.
Submit an application to the pension fund of the Russian Federation for the transfer (early transfer) from the NPF to the Pension Fund of the Russian Federation.

Terms and methods of filing an application for transferring funds to the FIU

An application for the transfer of savings funds from the NPF to the Pension Fund of the Russian Federation must be submitted until December 31 of the current year. Depending on the type of transition, the transfer will be made from the beginning of the year following the year of application submission (in case of early transition) or after the year of expiry of the five-year period from the date of its submission (in case of a normal transition):

The application form can be downloaded from the FIU website or obtained from its regional office.
The insured person can contact the FIU in the way that is most convenient for him: personally or through a representative directly to the territorial department of the Pension Fund or a multifunctional center (MFC), via the Internet on the portal of public services, or through partner organizations.
In parallel, the NPF, from which it is planned to leave and transfer pension savings, can be notified about the termination of the contract.

Obligation of NPFs to transfer savings back to the FIU

After the pension fund of the Russian Federation, as a result of satisfying the request of the insured person, a positive decision to transfer savings from the NPF to the Pension Fund of the Russian Federation and amendments to the unified register of insured persons, the agreement with the Non-State Pension Fund is terminated:

At the same time, the NPF, on the basis of a notification received from the FIU in mandatory must transfer the pension savings of the insured citizen to the state pension fund. Funds must be transferred from the NPF to the Pension Fund no later than March 31 the year following the year the transition application was made.
The FIU, in turn, must transfer the received from NPF accumulation to the Management Company within a month following the month in which they entered it.

In accordance with Federal law N 75-ФЗ any NPF obliged to translate the pension savings of the insured person back to the FIU in the event of other cases:

revocation of the license from the NPF to conduct financial transactions with pension savings;
the death of a person who sent funds to the NPF for the formation of a funded pension maternity capital or part of them;
on the basis of a notification to the Pension Fund of the Russian Federation in the event of the insured person's refusal to send maternity capital funds (part of funds) to the formation of savings;
termination of the compulsory pension insurance contract as a result of judicial confession its invalidity;
the bankruptcy of the fund by the arbitration court with the commencement of bankruptcy proceedings.

Upon termination of the contract with the insured person, the NPF must send him a notification about this, as well as issue an extract from his individual personal account, from which funds will be transferred to the Pension Fund of Russia. The FIU, in turn, must also notify the citizen of the receipt of savings funds from the NPF to his personal account.