NPF "Lukoil-Garant": feedback on the work of the fund

Non-state pension funds in modern Russia began to be in great demand. But to choose a bona fide organization that could be trusted with your future pension is not so easy. Today, our attention will be presented to NPF Lukoil-Garant. The feedback about him is important to everyone. Any opinion of someone will seem very useful and informative. What do customers think about this organization? Is it possible to believe her? Or is it better to keep pension savings somewhere else? This will have to be understood in advance. After all, a pension is not a joke. And the questions connected with it, should be solved in advance.

Activities

The first thing you should pay attention to is what this firm does. Maybe you are too young and therefore do not need such services? Or maybe, on the contrary, it is worth taking care of your future well-being in advance.

"Lukoil-Garant" is a non-governmental pension fund. It serves to save and accumulate your future pension. Of course, with a slight increase. That is, this company is collecting funds "for old age" for citizens with the subsequent payment of these. Nothing suspicious, quite normal activity. For all this NPF "Lukoil-Garant" reviews of employees and customers receive positive. It is not necessary to understand what other services the organization provides. Just enough to remember that in this place you can keep and multiply your pensions for the future.

Spread

For any corporation, its prevalence across the country is important. In this sense, the NPF "Lukoil-Garant" (a review about it can leave everyone completely free) has a fairly good reputation. This is a relatively old organization, which has branches all over Russia.

That is, before us is clearly not a fraud. If you want to become a contributor to Lukoil-Garant, there will be no problems. Just find a branch in your city (it will certainly be there) and contact there at any time convenient for you. No problem, right? The organization is distributed throughout the country. Perhaps, at the moment there is no city in which there would not be at least one office of Lukoil-Garant. And it pleases. The trust of customers from such a prevalence of the organization is only growing.

Rating

A huge role is played by the so-called customer confidence rating. And anyway, finding an organization on the list of all possible non-government pension funds. In this area, only the NFP "Lukoil-Garant" receives customer reviews. And this company's rating is also high. In any case, so many say.

At the moment, "Lukoil" is among the five best funds for pension savings. That is, you can accurately trust him. The level of the trust is A ++. This is the highest measure. It turns out that we have a truly reliable organization. You can not be afraid that it will be suddenly closed or will not be able to fulfill its obligations. But is it really so? Often, statistics do not fully reflect the whole truth about certain corporations.

Profitability

What else do visitors pay attention to? Of course, the so-called return on membership. I want to invest money where there is profitability. NPF "Lukoil-Garant" rating of profitability and reviews in this area is not the worst. But not the best.

At the moment in the year the income of the organization is about 6-6.5%. The rest of the amount is "eaten up" by inflation. In principle, this is not so much. But competitors are not yet able to offer more value. The maximum is 4-5%. And Lukoil-Garant has a high profitability. Not a lot, but there are differences. And they please many customers.

So NPF "Lukoil-Garant" the national rating marks at a decent level. So far, there is every reason to believe that before us is a conscientious firm that will help to preserve and increase your retirement savings. But is it really so? Are these statements simply advertising for the sake of attracting new customers?

Become a member

It is difficult to answer this question. After all, not everything is so good with this company. And for that there are reasons. To some, they seem insignificant, but for most citizens these moments seem suspicious.

What is it about? NPF Lukoil-Garant (feedback about this organization can be found both positive and negative) is active, even too much, engaged in attracting new investors. This phenomenon repels some - why is the already successful, proven corporation actively looking for new customers? They should address to them.

But more outrage occurs when the citizen decides to check, where is the cumulative part of his pension. It often turns out that you are already a client of Lukoil-Garant. But with all this no appeal to the firm from your side was not, no one signed a contract for the provision of services. Surprise, alarming and disturbing customers.

Why does this happen? All due to the fact that "Lukoil-Garant" concludes contracts for the preservation of the funded part of the pension with a variety of employers. In turn, they force all employees to use only this pension fund. In such transactions, consent is not required, the employer acts as a guarantor and gives the right to enter into contracts.

But if you personally contact the organization, then there are no complaints. You will quickly draw up a contract indicating all the nuances in several copies, promptly open an account, and then start saving your pension contributions. The agreement will be clear and simple language. Although some are embarrassed that very little information in the contract is indicated on the return of funds when necessary.

To another fund

However sad it might sound, Lukoil-Garant (review, rating and level of trust in this organization are presented to our attention) is not the most honest organization. In any case, such an opinion is held by clients who decided to leave the fund and switch to another. When signing the contract you will be informed that there will be no problems. Want to change the pension fund? Simply write an application of the established pattern and present it to the office of Lukoil-Garant in your city. Do not forget to register there the account props, to which you will transfer your funded part of the pension.

But it all just sounds so good and beautiful. In practice, customer applications are constantly rejected for one reason or another. Often promises are simply invented. Everything to keep customers. Perturbation has no limit. In fact, by contacting Lukoil-Garant, you will be tied to this organization. The transition to another pension fund will require you to persevere, even intrusive in defending your rights. Several times you will have to write a statement and eliminate all the "mistakes" that the company will indicate. Just so it will not work.

Consider, you will incur huge losses after you leave Lukoil-Garant. The firm will not give you any profit for the year in which the transfer of pension savings was made. This item is prescribed in the contract, but as a rule, it is not given any value.

Payments

Another negative point is the payment of already relying pension savings. You can take them only when you become a pensioner. After either the whole amount can be taken at once, or a certain percentage of all savings can be received. The second scheme is most often encountered.

But only NPF Lukoil-Garant (the feedback about this organization of a positive nature is more and more difficult to meet recently) has a notoriety in this direction. Many clients insist that they will not be able to receive money in time. Constantly some failures occur, problems, as well as answers from the category "there is no money, wait". That is, there is a high probability that you will not be able to dispose of your funded part of the pension. All this forces us to abandon the services of the organization. Or at least be cautious about it.

Bankrupt

They say that Lukoil-Garant will soon revoke the license. But this is only a rumor. They appeared because most of the participants do not receive their pension savings on time. Hence, suspicions arose: the firm simply went bankrupt. She has no money to pay. So, once it has all received the money, which the clients listed, descended for their own needs. Dishonest, unlawful and irresponsible!

All this makes us refuse to conclude an agreement with Lukoil-Garant. It turns out that we are far from being the most conscientious corporation. And if you contacted her, you need to think in advance about transferring a pension to another non-state (or even state) pension fund. Such advice is given by many participants.

Bypass

As you can see, NPF Lukoil-Garant (customer reviews and ratings are now known to us) is far from being the most conscientious company. It is stable, relatively reliable, but it will have to receive payments in it with some delays and delays. Moreover - it may turn out that your funded part of the pension is already stored in Lukoil, and you have no idea about it.

You can address here. In general, the situation is not much different from what is happening in the remaining non-state pension funds. "Lukoil-Garant" is one of the leaders in Russia. And by profitability, and by the number of clients (it does not matter how they came to the organization). This pension fund is clearly not deprived of the license and will not be closed. So it can be considered quite stable. Weigh for yourself all the pros and cons of the organization, and then make the final decision about membership. NPF Lukoil-Garant is a non-state pension fund, worthy of your attention to some extent.