Pension Fund "Soglasie": feedback from clients, employees and lawyers

Many people try to take care of their own future, and if someone does not like the way the state does, they can take their destiny into their own hands and secure a carefree future at any moment. It is for this reason that the services offered by the Soglasie Pension Fund have recently become topical. Customer feedback for many is the primary source of important information about how this organization works and whether or not it fulfills its obligations.

In this article we will consider what services are provided by this company, how its work is conducted and what customers think about it.

OPS

Mandatory pension insurance is a system through which the state directly engages in the formation of a source of financing for the pensions of its citizens. At the same time, those people who are covered by the TSO can be called insured persons, and in the event of an insured event such as a disability or simply reaching the corresponding age, the Sodosie Pension Fund is in charge of further securing payments to citizens. Customer testimonials indicate that at the moment the fund does not violate its obligations, in spite of the fact that some people had certain problems.

Who are the insured persons?

In this case, the insured is any citizen of the Russian Federation or a person who temporarily resides in the territory of the Russian Federation if he:

• Works in accordance with the drafted labor or civil law contract;
• Has independent job support (lawyer, notary, farmer or private entrepreneur);
• Works outside the country, but at the same time he regularly pays insurance contributions to the fund.

If a person is really an insured person, he must have an appropriate certificate, in which his personal data is written, as well as an individual insurance number. Issue of insurance certificate is carried out after applying to the Pension Fund or in case of the first employment. To date, more than 100 million people in Russia are insured persons.

Insurers

Of course, the leading administrator in this case is the Pension Fund of Russia, which manages all pension funds. But in fact, in parallel to this fund, non-state pension funds or the corresponding management companies can act as an insurer, but exclusively on the formation of a so-called funded pension. The insurer is engaged in the gradual accumulation of insurance premiums from the insured persons, and at the same time they invest these funds through specialized management companies.

The insured person, who provides himself with a funded pension, has the opportunity to choose independently the insurer that will manage the funds, and many choose the Soglasie Pension Fund. Clients' comments mark not only stable payments and capital growth, but also a professional service that provides support to each client.

Co-financing

In accordance with the current legislation, in 2009 the program of co-financing the accumulative capital of a pension is working in the Russian Federation. Thanks to this, citizens had a unique opportunity to significantly increase their own retirement in the future by signing a contract with an organization such as the Soglasie Pension Fund. Clients' reviews often mark this service, as it allows you to simultaneously receive payments from state and non-government pension funds.

In accordance with this program, any citizen has the right to transfer individual contributions to the funded part. If you participate in this program, you have an opportunity to significantly expand the amount of the funded part of the future pension. It is worth noting that all additional contributions will be doubled over the next 10 years, but the only condition in this case is the contribution of at least 2000 rubles per year. Also there is one restriction - the surcharge can be no more than 12 000 rubles per year. In this regard, the maximum possible addition to the funded part of the pension from the state is 120,000 rubles.

In accordance with the federal law, the deadline for receiving applications was terminated with the beginning of 2015.

Work with non-government fund

The non-state pension fund "Soglasie" also allows you to participate in the voluntary funding program, which allows you to significantly expand the total funded part of the pension, using not only an increase from the state, but also investment income that will be constantly charged by the fund to your account.

Clients often ask about whether this program is available for those retired people who do not work or are working at the moment. In accordance with the changes in the current legislation, the state will co-finance contributions only from those participants who have not previously received a pension through the Russian Pension Fund, but this rule does not affect people who joined the program before the beginning of October 2014.

What are the advantages of this service?

• Contributions will continue to grow over time;
• In the end, you can get a very, very good increase to your pension;
• You receive a constant investment income, which is provided to you by the Non-state pension fund "Soglasie";
• There are no restrictions as to what the amount of deductions may be;
• Period and amount of contributions made, as well as the period of your participation in this program, you can determine completely independently;
• There is an opportunity to receive a special tax deduction from each amount that you will contribute to your funded part of the pension within this program;
• The accumulated funds can be inherited by successors both in the process of accumulation and after the insured person leaves for retirement.

How effective is this fund?

According to clients' feedback it is impossible to determine in figures how effectively the Non-State Pension Fund "Soglasie" is working. The responses of lawyers are another matter, as these people conduct a thorough analysis of the activities of modern companies, and may also cross them in the course of various legal proceedings.

First of all, it should be noted that the rating agency "Expert RA" has assigned this company the highest level of reliability, which already indicates a good reputation of this company in the insurance market.

A non-state fund or a state fund?

First of all it is worth noting the accumulated profitability of the company, equal to 30.55% for the last three years. This figure is significantly higher than the one observed in the state management company, as in it for the same period the accumulated yield is only 15.95% in accordance with the portfolio of securities, as well as 19.68% in accordance with the extended investment portfolio.

9.84% a year the company receives from investment of pension savings funds, replenishing accounts of its customers. At the same time, 11.44% is the profitability, which was distributed to various pension accounts at the end of 2013. It should be noted that at that time it was one of the highest indicators among all companies working in this field. In 2012, the yield was 12.7% and was the highest among all similar organizations.

Being a successor, in the process of working, the joint stock fund uses the most effective developments that allow to ensure consistently high quality of service, as well as sufficiently high and at the same time stable indicators of profitability of the invested pension savings, which allowed to form a credit of loyalty and trust from clients To how the Non-State Pension Fund "Soglasie" works. The comments of lawyers also say that any legal proceedings with this organization are much less frequent in comparison with a lot of other financial structures.

How are payments made?

Clients are given the opportunity to designate a pension if they have already reached the retirement age, but in addition, it also provides for the payment of the funded part of the pension before that date. This category includes citizens whose work is associated with harmful types of production, or those who live in rather severe climatic conditions. It is worth noting immediately that this list is regulated by the current legislation, so you should familiarize yourself with it before you engage in clarifying the various nuances.

Providing a lump sum payment of the entire accumulated amount is possible in the following cases:

• A person receives a labor pension due to a loss of breadwinner or a disability status;
• The pension is obtained in accordance with the state pension provision, but there is no right to determine the labor pension for old age due to the fact that there is no necessary insurance experience;
• The total size of the funded part of the pension does not reach 5% of the total amount of old-age labor pensions.

Urgent payments after the expiration of less than 10 years are possible if the person is a participant in the program of co-financing the pension and at the same time own pension accumulations also formed due to participation in this program (in other words, made additional insurance contributions to the funded part). Also, in the event that the savings were formed through the use of family capital or a certain part of it, you are given an urgent payment by the Non-State Pension Fund "Soglasie". Whether it is worth joining the program on such terms is already a personal choice of each person, as for many these conditions are quite acceptable, while others are absolutely not suitable.

How do I make a payment?

Registration of pensions is initially carried out directly at the main office located on Leningradsky Prospekt in Moscow, but for those people who do not have the opportunity to do so, there is the possibility of sending the application by mail or through the appropriate pension terminal, which can be found if you go to the site , Owned by the Non-State Pension Fund "Soglasie". Is it worth it to join in this case - the choice is entirely yours, as all have different concepts about the quality of the service.

It is worth noting immediately that it is possible to significantly speed up the general procedure of registration in the event that in advance you make a call to the company. Thus, you will have the opportunity to consult beforehand about the various nuances regarding the application, as well as the timing of their adoption.

What are the advantages of working with this fund?

Of course, people often think about whether it is worth working with APF Soglasie. Someone already out of habit does not trust any financial structures, while others are willing to invest in such a company, but at the same time they doubt which one to choose the best. That is why it is worth considering several advantages of working with this fund.

Profitability

Of course, the profitability of APF Soglasie will directly depend on the total size of your future pension. Even if the difference is only a few percent per annum, over 20-30 years you will be able to increase your own pension more than twice. Based on the results of the last three years, the profitability of the organization is 30.55%, which is a very, very good result, especially when compared with the successes of other organizations.

Everyone understands perfectly well that the worst thing that can happen for the fund and all its clients is the lack of accumulation increase, but the current statistics mean that APF Soglasie does not threaten this, therefore there are practically no people among the authors of the reviews, Wishing to terminate the contract.

The company is trying to maximally carefully approach the choice of direction for investment in order to provide its customers and, accordingly, ourselves with the maximum possible income. It is not a secret that modern state funds are created by specialized financial and industrial groups, as a result of which investments are made primarily in the interests of such companies, and not of investors. At the same time, the management and the chairman of the council, Evgeniy Dobrovolsky (NPF Soglasie), do not have any connections with such structures, therefore they try to invest savings in joint interests with clients.

Having a huge managerial experience, as well as exploring in their fields of activity in detail, experts choose the best directions for investment, as evidenced by the consistently high level of profitability of the organization in comparison with competitors.

Convenience

Working with this company, even according to customers' opinions, is extremely convenient, and in the first place many meet the professional service. It's enough just to call or write a letter so that the managers begin to deal with your question. The founders of APF Soglasie constantly try to ensure that the company provides the highest quality service and increases profitability. If you are going to become a client of the company, professional specialists will immediately take care of any future welfare, while you can control your own funds through a telephone or a specialized pension terminal.

Affiliates NPF "Soglasie" are located throughout the country, so anyone can come and get advice or become a client of the company, regardless of where they live. This is also an important advantage for many.

Reliability

Of course, this indicator is the most exciting for the majority of modern citizens, who were interested in the proposals from the organization "Soglasie". The Pension Fund, whose rating is today one of the highest among similar organizations, has been operating since 1994 and at the same time retains the reputation of a truly reliable financial structure that is extremely successful in providing services related to non-state pension provision in a variety of companies. As of June 15, 1515, the total amount of pension savings in this organization reaches 21 billion rubles.

Also OJSC "Non-State Pension Fund Soglasie" has an authorized capital, the size of which is 150 million rubles.

All pension savings are guaranteed. To date, the Non-state pension fund "Soglasie" is also included in the register of state pension funds. The contract that you conclude with this company is insured by the state, as the company is a participant in the system of guaranteeing the rights of each insured person.

License cancellation

It is worth noting the fact that many people believe that the work of this fund was officially terminated, but in fact it is not. At APF Soglasie, the license was canceled voluntarily, as management decided that the development of two funds at the same time is inappropriate. After the annulment of this license, the joint stock fund under the same name began to work in the previous regime. All duties and rights related to compulsory pension insurance from NPFs were transferred to him, and no decision was taken to terminate the contract with anyone.