Is it worth moving into a non-state pension fund? Advantages and disadvantages

Is it worth moving into a non-state pension fund when it comes to ways to secure a decent old age? Of course, this issue today has priority for middle-aged people. And some of them do not at all have illusions that the state will render all possible assistance in solving this problem. Yes, under difficult conditions, from an economic point of view, the authorities declare social guarantees, but people still need to prepare the ground in advance so that they do not feel the need to go on a well-deserved rest. But how to do that?

One way to solve the problem

In order to improve the welfare of older citizens, non-state pension funds (NPFs) have been established. Of course, they did not appear yesterday, and many of us are aware of the existence of such.

At one time even a large-scale advertising campaign was launched, the aim of which was to attract as much investment as possible to the above structures. People began to knock at the door to pensioners and invite them to become a party to the new program. That's when the question arose: "Is it worth moving into a non-state pension fund?" In order to understand, first we will determine what this legal entity is.

The concept of

As you know, for each person a savings pension account is established. We work, we get a reward for this, part of which goes to the PF, which distributes the material asset, again, partially accumulating it on the funded part of the pension. So a person ensures his own old age by himself.

APF is a legal structure, which is controlled in the most careful way by the state. At the same time, all deposits that fall into it are insured. Therefore, if it suddenly happens that NPFs disappear from the market, their monetary assets will automatically pass to the deposits of the State Pension Fund. However, the following should be taken into account: APF makes a wise investment of depositors' funds in securities, state corporations, bank deposits, accounts with credit institutions and so on.

Naturally, a citizen becomes richer as a result of such investments.

To be or not to be?

Considering the question of whether to transfer to a non-state pension fund, it is important to understand the following: the amount of social payment for people who will go on a deserved rest in the future consists of three parts. Basic (6%) - forms benefits for the elderly (men after 60 years and women after 55 years). Insurance (14%) - is accumulated on the employee's personal account, but over time it is "eaten up" by inflation. Accumulating (2%) - is aimed at providing a quality material basis for a future pensioner. It is the last of the above-mentioned parts of social payments that is of paramount importance. Naturally, the rate of 2% is clearly not enough to ensure that a person in a material sense confidently felt when he goes on a well-deserved rest. As for the APF, in it the base part rate is not 2%, but 6%. Of course, this detail clarifies the question of whether it is worth moving into a non-state pension fund. And yet, at its decision there are both for and against. Let's list the main ones.

pros

Some experts, when asked: "Should I go to APF?", Confidently declare: "Yes!" Why?

First, the monthly amount of payments will be not only contributions of individuals, but also the revenue part, which is formed by the assets received through the investment of the money supply. However, when deciding whether to transfer to APFs and what benefits can be derived from this, it is important to consider the following: in the contract, in rare cases, the profit is fixed, since it is predicted by what scenario the economy will develop on the world market, and what will be The outcome of the game on the stock exchange is very difficult.

An important advantage of the old-age program under consideration is the fact that it provides for the safety of the invested assets: if some projects prove unprofitable, the money in the clients' accounts will not be reduced from this, as the structure compensates for the damage from its own reserve.

You doubt whether you should go to the NFP? Perhaps the fact that if any change in the financial market happens, the structure will not leave it without attention and will adjust the investment plan for a year, given the emerging trends.

Minuses

However, there is also a share of experts who, when asked: "Do I need to transfer to a non-state pension fund?" Without hesitation, answer negatively. Why?

First, if the financial year turns out to be unfavorable, then there can be no question of any stability of income.

Secondly, if the above-mentioned structure for any reason is deprived of a license, the prerogative to transfer money to another APF and finance this procedure rests on the shoulders of the depositor. Yes, these disadvantages can not be called significant, and yet they deliver a certain discomfort, but there are more pluses anyway. Of course, the problem, whether it is necessary to transfer to a non-state pension fund, everyone must decide individually.

Features of the procedure

For many, the question remains unclear: "Is the transition from the RPF to the APF a right or an obligation?" Naturally, no one can force anyone to this procedure, since it is voluntary. Moreover, you can write an appropriate statement on the transition to a non-state structure at any time of the year, this is done once every 12 months. The document should necessarily indicate the legal entity, where the accumulative part of the pension will accumulate .

Procedure for the procedure

Do not know how to transfer to a non-state pension fund? It is necessary to do the following:

1. Identify the structure that you most trust. Analyze the responses of people who have invested in one or another APF, check how many years in the market it exists, and get acquainted with the company's title documents.

2. Sign a contract that provides mandatory pension insurance, and study its text in detail. The document should clearly state how much and how often it is necessary to make contributions. Before putting a signature on the document, it will not be superfluous to develop an individual pension plan with the employees, in which the approximate figures with the option of their adjustment will be noted, depending on the material capacity of the future pensioner. Flexible replenishment of savings is one of the most favorable conditions for the client.

3. By December 31, address the territorial agency of the FIU with a request to transfer to the APF.

4. Wait for written notification of the decision.

Now you have an idea of how to transfer to a non-state pension fund.

Methods of sending documentation

You can transfer the application personally to the FIU employee. Be sure to bring SNILS and a passport. And do not forget to request an appropriate receipt in the documentation.

You can send an application for transfer to APF through the MFC system.

It is not forbidden to address the above document by mail. In this case, you will have to use the registered mail service with an attachment and notification.

In the envelope it will be necessary to seal the application filled in on the special form, photocopies of the SNILS and the passport.

Conclusion

Many are interested: will it be troublesome and difficult to apply for a pension in an APF? Is the game worth the candle? That's what worries future pensioners. Concerning the first one, it is safe to say that the transition process will not take away a lot of strength and nerves from the client. As for the second, it should be decided by everyone for themselves, having previously analyzed all the pros and cons.

The opinions of experts on this issue were divided: some argue that APF is a great option to lay a good material basis for old age. The difficulty is only to find a reliable company that competently manages your finances. Otherwise, the pension will not be secured. Others recommend not to hurry up and consider other options for investing funds, of which today there are many. For example, you can invest money assets in securities, real estate, use a pamm-account and so on. Transfer or not transfer pension to APF? Decide for yourself!