Non-state pension fund "Lukoil-Garant": customer reviews

What does Lukoil-Garant receive? The answer interests many future pensioners. After all, in Russia at the moment there is a funded system for the formation of pension payments. This means that citizens, in addition to the insurance part, receive additional money. But these allowances they independently form at the expense of a part of earnings. A certain part of the income is stored either in the FIU or in the APF. It is the second option that is in great demand. "Lukoil-Garant" just refers to such organizations. But is this company worth the attention? How beautiful is she? Determine what is the "Lukoil-Garant", the reviews will help. It is important to pay attention to some components of the non-state pension fund. They will help to understand how profitable the firm is. And the views of depositors will point to the integrity of the organization.

Description of activity

"Lukoil-Garant" is a non - governmental pension fund. This company was established a long time ago. It helps the population to form part of the pension payments. Here the depositors transfer a certain amount of income, then the APF undertakes to pay money from the account. Either monthly in certain amounts, or once and the full amount. This happens after reaching retirement age. Terms of payments are negotiated.

For the activities of the NPF "Lukoil-Garant" reviews are positive. The thing is that everyone understands what the corporation is doing. It forms the accumulative part of the pension payments and keeps the money that the depositors list. The main advantage of this organization is that the APF proposes to slightly increase the total amount of deductions. A similar opportunity is available for all similar companies. Therefore, it does not surprise anyone.

Prevalence

Reviews about the fund "Lukoil-Garant" indicate that this organization evokes trust. Why? All this is due to the huge number of branches throughout Russia. The thing is that "Lukoil" is a large company. And the pension fund of the same name, too. Prevalence in Russia makes it possible to be sure that the depositors are not a scammer.

Indeed, Lukoil-Garant is the largest non-state fund in which it is possible to make deductions "for old age". He won a certain trust of customers. It has long been proven that this organization is not a fraud. So, as some think, you can trust the corporation. But this information is not enough to fully appreciate the integrity of the company.

Rating

OAO NPF "Lukoil-Garant" reviews good, positive type of earnings also for its position in the rating of all non-state funds of the country. It has already been said that this company is one of the largest in Russia. It functions for a long time.

In the rating of NPFs "Lukoil" is in the top 10 leaders. Below this bar, the company was not located once. Different sources specify various information on the rating of the non-state pension fund. Therefore, it is best to focus on the fact that "Lukoil-Garant", as a rule, is not just among the top 10 leaders. It is located on 5-7 places.

And it can not but rejoice. Investors indicate that it is the rating that attracts to the firm. You can not be afraid that it will be closed suddenly. So, the money will be safe. Many of this is enough to join the corporation under study, as well as leave positive feedback about NPF Lukoil-Garant.

Level of customer confidence

The next nuance to which you need to pay attention is the so-called trust level. Or, as it is called, the rating of customer confidence. Usually indicates how much investors are confident in the integrity and reliability of the company.

For this indicator, Lukoil-Garant (pension fund) reviews are also good. After all, if you believe the statistics, the trust of this organization is on top. The level of customer confidence is at the A ++ mark. This is the highest rate of all that now exist.

It turns out that the foundation can really be trusted and not be afraid. It is a large and reliable organization, it is in demand among the population. He is among the leaders of NPFs in Russia. Is it all right in reality?

Recoil level

Non-state pension fund "Lukoil-Garant" reviews the ambiguous type for its profitability. This indicator is quite important. Many are focused on it, when they choose, where to invest money, which are put off for old age.

At "Lukoil-Garant" all is not as good as it seems. On average, a year is obtained to increase the account by only 7-9% of the available amount. Not too much. Moreover, the organization itself promises a yield of about 12%. Some consider themselves deceived.

Nevertheless, such a difference is a logical explanation - inflation. It is due to it that the real profitability of all organizations falls. Therefore, Lukoil-Garant receives positive and not very positive feedback. On the one hand, the return on deposits is much less than promised. On the other hand, this is more than many non-state pension funds can offer.

Customer service

Some also take into account the quality of service. In fact, this indicator often indicates the integrity of the firm. A good organization will take care of every customer.

In this area, APF Lukoil-Garant receives mixed comments. In general, many people emphasize that the service as a whole pleases. Contact any questions you can in the nearest branch of the company. And the citizen will certainly receive answers. Also to the benefits of service, many include the so-called virtual personal cabinet. It allows you to order account statements via the Internet, as well as monitor the status of the deposit.

On the other hand, claims are often expressed in terms of the speed of customer service. Many remain unhappy with this component. Employees do not work too fast. But they will certainly help every client.

The "personal cabinet" sometimes works with failures. But such cases are rare, no one is immune from them. Therefore, despite some shortcomings, the quality of service at Lukoil-Garant remains at a fairly high level.

About the contract

Attention deserves a contract, which is with all investors. For him, APF Lukoil-Garant receives positive reviews. For what reasons?

This organization offers a detailed agreement on cooperation. All the nuances and features are prescribed in the contract. Here you can see and questions about the transfers being made, and everything related to the upcoming payments.

Also, citizens do not hide the consequences of termination of the contract. All the risks and losses that the depositor will incur are also prescribed in the agreement. This approach pleases - do not need to learn from the company's employees once again this information.

Secret deposits

Nevertheless, Lukoil-Garant does not receive the best comments from its customers for one particular feature. It is available in many NPFs. What is it about?

The thing is that the investors of the company under study often point out that their money from the FIU is transferred secretly to Lukoil-Garant. That is, people suddenly discover for themselves that their money is in the studied fund. This causes discontent of some citizens.

There is nothing surprising in this phenomenon. If you carefully study the statistics, then such complaints come from officially employed citizens. "Lukoil-Garant" concludes agreements with employers on the transfer of part of the salaries of employees for the formation of their pensions, or rather, the accumulative parts. The head, not the NPF, should notify everyone about this. Therefore, claims to the organization are inappropriate.

Opinions of lawyers

Lukoil-Garant receives a variety of reviews. What do lawyers think about this company in general? What advice can citizens give?

Lawyers have no complaints about the non-state pension fund. He offers a detailed contract, information on his work provides on demand. The right to conclude agreements with employers is not an illegal act. And to notify all new depositors in this case, as already said, the employer should.

Therefore, lawyers point out that "Lukoil-Garant" acts quite legitimately. You can not be afraid that the rights of citizens will be violated. Therefore, it is worthwhile to look closely at the pension fund being studied. At least in order to invest money, put aside for old age, in a responsible and conscientious organization. Absence of written notifications on the transfer of the funded part of the pension to the PF is a minus, but it does not violate the established legislation.

Disputes around the license

Some say that Lukoil-Garant has revoked the license. This news appears in some reviews. It forces many potential investors to doubt the company's stability.

In fact, such news is nothing but a deception. "Lukoil-Garant" is a large and stable company. It has an unlimited license in 2016. Activity of this this pension fund continues to conduct on the lawful bases. Therefore, it is not worthwhile to believe the opinions that speak about the revocation of the license. What other nuances are required to pay attention?

About payments

From now on it is clear what kind of non-state pension fund Lukoil-Garant receives. Special attention should be paid to the payments made. What do they say about them?

"Lukoil-Garant" usually pays out money to its depositors on time, as stipulated and prescribed in the contract. But sometimes delays are possible. They repel some potential participants.

This situation is normal. Small delays in payments are not a cause for concern. Moreover, numerous reviews indicate that these events do not happen so often.

conclusions

What conclusions can we draw from all of the above? NPF "Lukoil-Garant" reviews clients ambiguous. This company is far from ideal, but it still offers quite good services. Not suitable for those who want to get a good return on existing deposits.

But if the main criterion for selection is the stability of the organization, then Lukoil is 100% complete. You can not be afraid for revoking the license. It definitely will not happen in the near future. It has already been repeatedly said that the corporation under study is among the leaders of non-state pension funds in Russia.