6 pension deductions in Sberbank. NPF Sberbank - managing a pension from a personal account. What documents are needed

Citizens offer to translate into Sberbank a cumulative part of the pension in order to increase its size by investing. When choosing a NPF to transfer its savings, many preferred to Sberbank because of the indisputable advantages that it possesses.

What is a cumulative pension

The accumulative part of the obligatory payments in old age have formed citizens who received the official wages until 2014. Recall that from her the employer deducted contributions that were distributed like this:

• 16% - on the insurance amount;
• 6% - on cumulative.

After the transformation of 2014, the accumulative part of the pension is no longer formed. Today, all 22% of the salary come to the formation of an insurance pension. Insurance Recalculated in points and forms future mandatory payments.

The cumulative part could be disposed of at its discretion, incl. Guiding it to a non-state organization. The latter take over the obligations to dispose of it in order to increase.

Depending on the chosen project, after the retirement retirement, the pensioner paid some amount per month for a certain time or somewhat smaller to the end of the life. There were also programs that allow you to pick up all accumulations once.

Currently, the accumulated funds are no longer replenished and the citizen has two options for their disposal of them: Leave in PF or translate to NPF. For today, the transfer of the accumulative part of the pension to Sberbank has chosen more than 8 million people, which indicates the advantages of a similar solution.

NPF Sberbank - Conditions of 2019

After the cancellation of the accrual of the cumulative part, the Bank urgently recommended to transfer it to its NPF. As evidenced by feedback, users have come across a veiled translation, when they did not give such instructions to the employee, but signed some kind of how it seemed to them, the standard blank for extending the use of the card, etc.

Such actions of the staff caused great discontent. Many, despite the advantages of Sberbank, because of this appeal, they do not want anything in common with him.

Advantages for pensioners

Sending the accumulative part of the pension in Sberbank Pluses have such:

• The shareholder of NPF is PJSC Sberbank - State reliable bankwhose products use the majority of the population.
• Maximum reliability rating - AAA.
• Participates in the insurance system.
• According to experts, after 10-15 years, only a few non-state pension organizations will remain, one of which will definitely be Sberbank.
• The investment portfolio consists of reliable papers. Last year, investments in NPF amounted to 9.4%. You can see the profitability of the past years in your personal account.

Another advantage of the appeal is the opportunity to make a decision, to see the accumulative part of the pension in the bank's separation - to find out how much has accumulated for translation.

To get all the stakes described, you need to explore the conditions offered by Sberbank.

Individual pension plans

The bank has developed programs for non-state pension provision, in addition to the OPS. After a certain period, the client will receive a non-state pension from Sberbank, except for the usual state.

Everyone has the right to choose one of General terms They are expressed as follows:

• Attachments cannot be claimed outsiders, and are not subject to divorce.
• Accumulations are inherited, in the event of an unforeseen situation.
• Receive a non-state retirement from 5 years.

An additional opportunity for customers is the right to return 13% of listed money in NPF. Maximum limited 15.6 thousand rubles.

Depending on the program, some parameters may differ slightly:

• Universal: The initial attachment is from 1.5 thousand rubles, additional receipts are allowed to list with any periodicity - from 500 rubles, the period of payment of pensions after graduation - from 5 years.
• Guaranteed: a graph of the transfer of funds with clearly designated values \u200b\u200band timing is drawn up. The first contribution is also equal to periodic receipts. Getting payments - from 10 years.
• Integrated: the amount is from 1000 rubles, contributions - from 500 rubles, payment schedule - arbitrary. Accumulations are paid - from 5 years.

How to translate the cumulative part or arrange IPP

When contacting Sberbank, the client translates from the PF with its money resources. At the conclusion of the contract, the size of the future pension and the flow schedule are specified, the amount of contributions is assigned. Investments invest in order to receive income.

Pay attention to the declared yield of Sberbank NPF, when managing a storage part of the pension is 9.4% per annum.

Before translating accumulation, you need to find out the amount of the accumulation part. You can see it alone in the PF or on the website of the State Service. But it is easier to find out the amount directly in the department when issuing a statement.

How to quickly get an extract from PF

1 of 3.

To undergo registration, you need to visit the Bank's office or the NPF office. A passport will be required and reduced.

The procedure includes the submission of an application to the PF to transfer the accumulative part and conclude an agreement with Sberbank. The first is allowed to submit in the office, to visit an additional pension fund is not required.

Conclude an agreement on an individual pension plan can be online. It is also an indisputable plus - the ability to complete the design remotely. It is necessary to fill out the form on the site:

• Personal and passport data;
• Contacts;
• Parameters;
• Primary fee.

After you need to look at the resulting SMS and write the code in the window that appears to confirm the data. Next requires reading the terms of the contract and agree with them.

At the next stage, the transition of the primary value is performed. After proposing to connect the auto plane so that the agreed dimensions are automatically specified by the specified graph. This will allow you to fulfill the conditions taken in a timely manner. After signing, an instance of the agreement enters the user to e-mail.

If a citizen has a confirmed electronic signature on the public service website, it is available for the transfer of a simplified scheme by clicking on the corresponding button.

How to get your accumulation

If you form your accumulations yourself according to the selected plan, you need to know about the required rules:

• If you apply for early rupture of the contract in the first two years after its conclusion, you can only get 80% of the money paid;
• After 2 years, all investments and 50% of the income accrued during this time are returned;
• Only after 5 years, you can get all your invested money and 100% profit from their investment.

The accumulative part on the mandatory pension insurance is paid upon request. The basis is the achievement of age (55 and 60 years for women and men, respectively).

How to check the accumulated amount in your account

After the conclusion of the contract, citizens can track their arrivals and generally control the yield. Before you know the amount of the accumulative part in Sberbank and its yield, it follows.

This happens with the data on myself, email, the preparation of the control word and the assignment of the password.

When entering the Cabinet menu, the user can view all the concluded contracts with a brief description of the basic conditions. Here you can see the balance, the dates of enrolled money, check the amount of profits from investments, etc.

Conclusion

If you wish to translate the cumulative part of the pension to Sberbank in 2019, you need to contact the office of the Foundation or Bank or go through the online procedure. There you can also first find out what amount is available, without personal appeal to the Pension Fund. In any individual It is possible to form non-state security with the help of IPS.

In view of the fact that today all citizens of Russia have the right to independently choose non-state pension Fund, There are often cases of their transition - one of the most pressing issues in this case: how to go to Sberbank NPF from another NPF. Therefore, it should be considered not only this procedureBut the most closely related moments.

Transition from NPF to NPF Sberbank

Sberbank NPF is one of the market leading and offers its customers profitable terms accumulations. In addition, the company is distinguished by its reliability and security, which will allow you to reliably save your own savings accounts. It is because of these reasons, many Russian citizens seek to translate into the fund of this company.

To make this procedure, it will be necessary to apply directly to Sberbank NPF, where, in the presence of passports and SNILS, fill out the application for the transition. Then you need to go to the FIU and register a compiled contract for obtaining code.

After that you need to call on hot line, go through the procedure of telephone registration and inform the operator received in the Russian Pension Fund. Now the contract is considered valid and comes into force.

On a note. It should also be noted that Sberbank offers customers even without switching to its fund to use some services. For example, to independently perform voluntary contributions for the accumulation of the pension account.

But it should be noted that this method is still less effective than a full-fledged transition to the NPF (even with equal amounts of deductions).

Procedure for transferring the funded part of the pension to the new fund in 2018

To translate funds available on a storage account to a new non-state pension fund, you must perform the following steps:

• Decide with the new NPF. If it is best to learn the maximum of information about it and the conditions offered to them (all the necessary data can be found on the official website of the FFR).
• Fill out the transition form in new fund (There are two types: urgent and coarse - in the first case the funds will switch to the end of the contract with the previous organization, in the second procedure will occur immediately after its registration).
• Apply in the current fund for the transfer of funds to a new company. In this case, there are two options for developing events: if the client has time to submit this application until March 1 current year, then the accumulation will have time to go to the account in the new NPF in April of the same year; Otherwise, he will need to complete the procedure for submitting documentation until December 31 of the current year so that funds are translated at the beginning of next year.
• The process of consideration of the submitted statement. IN this case There are two events development options: a positive or negative solution. It depends on its further entry into the registry and the transfer of the accumulated amount to a new account.

Transition of the organization to another NPF

Organizations, like individuals, also have cumulative accounts, which ideally make income. But not every leadership understands the importance of the correct process of transition to its company to the new NPF. The procedure incorrectly conducted not only promises the loss of profit, but because of this, additional losses can be incurred.

Important! It is best to translate the organization not earlier than five years of the action of its existing Treaty with NPF, and to do this at the end of the reporting year to maintain all profits.

Advantages and disadvantages of transition from one Foundation to another

Of course, the change of the Fund entails both the advantages and disadvantages.

From the positive parties allocated:

• the possibility of increasing account profitability;
• obtaining additional services from the new fund;
• direct impact on the formation of its own insurance pension;
• the protection of the process by law is the lack of the likelihood of making money.

Negative parties include:

• the ability to lose income when the incorrect (and / or late) transition to the new NPF;
• the lack of opportunity to influence the decision of the Foundation for approval or transition fails.

On a note. Thus, the advantages of changing the fund is very weighty, but only in the case of a properly perfect procedure.

Is it worth transfering pension savings in NPF Sberbank in 2018

According to analytical data, the profitability of the accumulation of clients of NPF Sberbank by the end of 2018 will grow by 0.5%, compared with the same period of 2017.

Therefore, to translate your funds to depositors this year is quite profitable. But it is important not to lose profitability from the previous fund. In order to avoid this, check all the moments associated with the receipt of profit in the old organization.

Free help from the pension lawyer

Registration in the NPF Sberbank of the Pension Part, consisting of 6% of the accumulated part as deposit deposit, brings a pensioner to a rather substantial provision for old age.

Dear readers! The article talks about typical ways to solve legal issuesBut every case is individual. If you want to know how solve your problem - Contact a consultant:

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One should only understand the translation mechanism from the State Firm, as well as the conditions that NPF Sberbank is ready to offer to those citizens who have already decided that their accumulative part of the pension will be transferred to non-state management.

It will not be superfluous to study the advantages and disadvantages of this kind of activity of this NPF, as well as reviews about him.

How to issue

The pension sums include not only insurance parts or fixed basic, but also accumulative. It is them that today pays close attention to lawmakers, insurers and citizens of Russia, concerned about their future in old age.

The peculiarity of this type of pension provision is that it can be affected by its size - to use, so to speak, as investments, investments. True, this method works exclusively only within the framework of the NPF - non-state pension fund.

And for this, each wishes will need to simply translate the accumulative part of the funds in the NPF. One of these non-state institutions is NPF JSC Sberbank.

The translation is made at the following steps:

1. The most optimal and fast version of the design is a personal appearance in the office of Sberbank NPF. Addresses of such departments can be found on the insurer's website.
2. With yourself, be sure to:
   • passport of a citizen of the Russian Federation;
   • insurance certificate (SNILS).
3. Write an application for the conclusion of the contract mandatory insurance Pension provision.
4. To conclude an agreement with the insurer.
5. In the State FIU, write a statement that they translate 6% of savings on your personal account. In this statement should be specified:
   • nPF name - In this case, this is NPF Sberbank JSC;
   • requisites Your facial account;
   • a request to regularly make such translations from those contributions that the employer accrues in the FIU.
6. With full approval of the FIU 6% labor pension It will be translated into the Sberbank NPF on the personal account of the client.
7. If you wish to use Sberbank NPF social card, then you have to do as follows:
   • contact the Sberbank NPF with his passport and reduss;
   • write an application for receipt social card For the purposes of transferring a cumulative pension on it;
   • get the details of your card from the employee of this insurer;
   • apply to the FIU, together with the details of the map attached to it, and state the request in the application, list the accumulative deductions of the employer on this card.

The convenience of the map consists in its mobility of use. After all, to test your account on which the accumulative pension parts are charged on any terminal, an ATM through a social card.

If you do not have such a card (although it is usually the standard attribute of the client's insurance portfolio), then information on facial account You can check through the service site of the insurance company "Online Banking", Sberbank-online.

There is also a very convenient system of alerts about accrues that replenish the account by means of SMS messages.

Conditions

The main condition for the content of the personal account decorated for investment in the form of pension savings is the formation in the form of summation of the part of the insurance premiums, which the PFR lists to the account.

There is such a summation every month. And the investment part will be formed directly from the revenue retirement accumulation.

Statistics for four recent years showed on this insurer that profitability on such contributions is an average of 52% in the presence of inflation - 33.88%. In practice, it looks like this - for every 1000 rubles. 500 rubles are added. in year.

Therefore, it is worth making the appropriate conclusions, how profitable to cooperate with this insurer.

You can list the following indicative conditions of the Sberbank NPF, which should pay attention to potential customers:

1. Guarantees reliability to the client.
2. Conclusion insurance contract With insured persons in the FIU, as well as uninsured, which independently wish to insure.
3. Pension payments are carried out strictly individually - accumulation holders.
4. Interest rates are calculated according to the terms of the insurance contract.
5. For legal entities - participants in pension programs, separate contractual conditions are being developed.

Please note - percentages are not accrued on a social card, but for a separate account. This is the personal account of the client, and he is alone.

It's just a social card to it is attached to him, and only the transfer from the FIU of the cumulative part of the pension is charged on it, for which all this is deflated. When removing interest, it will be necessary to contact the Sberbank NPF, on the cashier, with its passport.

Pros and cons of transfer to Sberbank

This insurer is an impressive reservoir on the basis of the country's largest bank. And his reputation is as popular and is located on leadership positions, as well as the reputation of the bank itself.

The bank itself, like the insurer, has a fairly high state Capital.that already in itself can give guarantees to customers in the reliability of the insurer.

In general, it is worth highlight the most key advantages of this insurer who will certainly delight those who want to take advantage of its services:

1. Free service of a social card where the accumulated pension is transferred.
2. Guaranteed money preservation.
3. According to the social map there are discounts when using it as a payment resource when buying goods in supermarkets or any stores, pharmacies, medical services and other fields.
4. Participation in state financial Program (co-financing), which allows you to double your accumulations at the end of the year.
5. It is possible to choose the type of transfer of the cumulative part of the pension - the early or urgent.
6. The rating from experts has the highest class - AAA or A ++.
7. The high yield of the company - for 2020, for example, it was 2.41%, and the accumulated yield was 73.96% per year.
8. The insurer develops a pension plan for each client (portfolio) individually.
9. For corporate clients (legal entities, enterprises, organizations, etc.) The insurer has its own profitable programs.
10. Ease of design and minimum packet of papers - only 2 documents for design - passport and SNILS.
11. Fast decoration - literally for 20-30 minutes.
12. Information is open to all visitors to the office or NPF website.

Among the minuses of insurance of pension savings in Sberbank NPF, it is possible to highlight the most important - this is a limiting percentage, which are added to the contribution.

However, there are contradictions, because most of interest covers inflation costs, which already gives stability and guarantees the protection of deposits so that the client does not have any debts formed naturally due to inflation.

Therefore, someone from customers sees in this minus, because most interest income It goes to cover inflation, and the residue in its minimum is added to the deposit, and someone believes that Sberbank is great, therefore, supports client deposits.

Another minus customers also celebrate too long making certificates for indicators of the accumulative part of the pension on account or its residues.

Usually, these references after the customer request are preparing a month or even two. Contracts in the design of the transfer of savings in the NPF through the site are very poorly displayed.

Anyway will have to either go to the office for signing the contract, or constantly regulate the quality of the display of the document on the site through communication with the consultant, which takes quite a long time.

Summing up, we can say that the advantage of Sberbank NPF is more than flaws. And the disadvantages are not considered essential.

What percentage

Non-state-type pension funds usually offer potential customers enough big percentIn order to have in stock not only the accumulative part of the pension, but also a good increase to it, as percent.

Not exception is also the NPF Sberbank, which works closely with the population, as well as Sberbank himself.

Therefore, he is interested in attracting as much clientele as much as possible. When concluding with this insurer of the insurance agreement, the client is guaranteed to receive over accumulations from the FIU even in addition interest - from 1% to 7%.

This difference in the magnitude of the percentage will depend purely from the customer's age category - the older the client, the higher the percentage will be.

The accumulative pension will be calculated according to the following scheme:

It should be noted that the percentage is considered income, so it will be taxed by the tax of personal income tax, but the accumulative part of the pension listed from the FIU is not subject to such taxation.

Through the NPF Sberbank can be issued tax deduction Those 13% of tax. Only the owner has the right to remove the accumulative retirement and, while it can be inherited.

How to see the accumulative part of the pension in Sberbank

To find out the condition of your facial account in Sberbank, use the most simple way - To come to the office of the territorial separation of the NPF.

There, insurance company specialists will help with your social card, learn about your accumulative pension.

Take advantage of the right to receive payments from the Commercial Fund the largest bank Countries can customers who concluded a compulsory pension insurance contract (OPS) until retirement or age reaches social deductions from the FIU. For 2017. women who have reached 55 years old can take advantage of retirement, and men aged 60.

Conditions and grounds for paying 6% of contributions

To obtain a cumulative part, it is important that a citizen who decided to increase his pension contributions With the help of the Sberbank Foundation, he worked officially and his employer paid amounts to the Pension Fund of the Russian Federation. Otherwise, the accumulative pension will not be formed, since the Foundation does not have contributions for their subsequent indexing.

Payments will also not be able to receive those customers who previously consisted in the non-state fund of the bank, but decided to choose a different company or return back to the Pension Fund of the Russian Federation.

There are no other grounds for refusing funds from the Sberbank Foundation. Payments can also use those customers who have become retirees early.

Package of documents for receipt

Get accumulations Bank customers may if there are following documents:

• Passport.
• SNILS.
• Communication contract pension insurance (OPS).

  If the client has lost a contract, the Bank is not entitled to refuse to accept the application for funds.

• Accounts to enroll funds.
• A document confirming the right to receive a pension. For example, a pension certificate.

As a way to receive a client, you can choose any convenient option: transfer the amount of contributions to the card or account in the bank.

If the recipient has died, his contributions can get relatives. The accumulative part of the pension is inherited and transmitted by law. In this case, the relatives of the deceased are obliged to provide a certificate of death, the right to inheritance according to the law and documents confirming the presence of an OPS contract from the client.

As an account for enrollment, either the client's account may be selected (followed by obtaining the inheritance), or the account of its close relative.

Stages

To make a payment from the Sberbank NPF, the client must:

1. Come to the separation of the pension fund for obtaining a document on pension payments or the right to receive a pension. Sometimes the Fund staff propose to write a certificate, which indicates that a citizen has reached the age necessary for accruals from the FIU.

   Attention! Some citizens retire early, for example, for long service. Such categories have the right to count on earlier payments.

2. Contact your package of documents to the nearest branch of Sberbank.

   It is not necessary to come to that branch in which the service was issued. Administrators of all branches can accept an application from an individual. The design process takes about 30 minutes.

3. Write an application for funds.

After writing the application, the client remains only to wait for an answer from the bank. Control payments are recommended in the Personal Account of the Participant of the Treaty.

If a citizen, together with the APS Agreement, issued other services to co-finance a future pension (for example, an individual pension plan), it can take advantage of the right of simultaneous receipt of all payments. Or vice versa, write a statement only by one of the payments. Retirement delay automatically increases its future size. All accumulations invested by the Sberbank Private Foundation are inherited.

How to make a statement?

The application is signed by the Customer itself. Form - in accordance with the requirements of the Bank. Application forms are presented in the Personal Account of the Participant of the Compulsory Pension Insurance Agreement.

1. In the "header" of the statement indicates the territorial separation of the bank to which the branch chosen by the client refers.
2. The main part consists of the client's appeal "I ask me to provide me with a one-time payment of the accumulative part of the pension due to the achievement of retirement age".
3. Since the transfer of funds is carried out on one of the accounts of the client, the contract is prescribed in the contract and the details of the bank in which it is open.
4. The following indicates the date of the adoption of the document and the name of the client.

Copies of customer documents are applied to the application. The administrator assures copies and checks the application for the absence of errors, the relevance of the information.

What time frames are credited?

The term of consideration of the application usually takes no more than 1 month.But in some cases it can be increased (for example, if the period for consideration of the application falls on public holidays, the number of days for enrollment automatically increases).

Usually the client comes SMS notice from the bank about decision taken. The notification indicates where the answer came, and also that funds are listed on one of the accounts.

What problems may arise?

Sometimes the payment of the payment by the Bank invested by the Bank can be much longer (up to three months), or the client comes a negative response in enrollment of funds.

The main problem upon receipt of finances is the change of the FULL NAME or error in identification (actualization) of information on the participant of the OPS Treaty. To avoid this, you should:

• When changing the name, contact any branch of the bank with current data to change the information in the NPF.
• Self change the data in the client's personal account (on the non-state fund site).
• Check the translation status in the Personal Account or Office of the Bank.

There are customers who transferred the cumulative part until 2016 and did not confirm the transition to the non-state fund in the FIU, still remained in the status of "Molchunov" - those who did not take advantage of the right to leave 6% in accumulations NPF.. In such citizens, the pension will only be formed on insurance paymentsAnd they will not be able to get additional invested income from Sberbank NPF.

In exceptional cases foundation may refuse to customers in 6% for personal pension accumulations . The refusal may be incorrectly provided information or error in the questionnaire, extremely rare - the absence of assistance from the previous non-state fund.

Example: the client wishes, although for several years now consists in another private pension fund. If at least 1 year has passed since the translation, and the Sberbank NPF has not received a positive response (by mail or in an SMS notification), it is recommended to check the status in the client's personal account or contact the Bank's branch.

Important! Any private Foundation not interested in losing customers, so it is not recommended to provide other financial organizations SNILS, if the client does not want to cooperate more with this company.

All our visitors who want to translate the cumulative part of the Pension in Sberbank will help to learn information about what is provided in this bank, as well as about all the transfer of funds to this NPF.

You can get any client who took care of her translation to the largest private pension fund of the country. The writing of the application takes no more than 30 minutes. The process of enrollment is usually 2-3 weeks. The client himself chooses, what is the way to give it to the soul. A free personal account makes control over the fulfillment of the obligations of the Foundation simple and convenient.

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How to get a cumulative part of a pension in Sberbank of Russia after retirement? Such a question is asked by many citizens who have already reached retirement age or this should happen to them in the near future. Is it possible to remove the accumulative part yourself, and if so, in what cases?

Accumulative pension - what is it?

Pension is divided into insurance and accumulative part. The first one is mandatory sent to the State Pension Fund, but a citizen can dispose of the cumulative part of the citizen by sending cash In a non-state pension fund (NPF).

A particularly relevant pension withdrawal remains today, as people fear for their savings due to the unstable situation in the country.

A negative role is played by constant innovations in pension issues. So, now, a special formula is used to calculate the size of the accumulative pension, based on various sources of income of a particular citizen.

Actually, the accumulative part of the pension is 6% of earnings. Their employee of the enterprise can translate not only in the FIU, but also other non-state pension funds.

Until 2019, there is a moratorium that does not allow the accumulative transfer to other organizations. All made contributions are counted in the insurance fund of the pension.

The current system allows citizens to increase the final pension. The accumulable part can be used at its discretion, but only to achieve a certain age. Even if you direct it to ensure a pension, the pension will still be paid, just in a slightly smaller size.

Removing a cumulative pension

Elderly citizens who need money are often interested, and whether they can remove the accumulative part of the pension. Such a procedure is really possible, and even in several formats:

1. Full one-time payment. Such an option is admissible when performing one of several conditions by a citizen. First, these accumulations should be at least 5% of total amount existing insurance savings. Secondly, the person became disabled, in view of which he received the right to retire ahead of time. Thirdly, if faces do not have enough employment experience to obtain a pension and need money.
2. Urgent payment. But the period of payments until the removal must be at least 10 years.
3. Monthly payments. In this case, accumulated amounts are divided into 234 months and are paid monthly.

If the pensioner died, the right to receive its accumulative pension have heirs, which is confirmed by Article 4 of Law No. 360.

Legislatively determined that in common order The right to remove the accumulative part of the pension have only those citizens who have reached retirement age. That is, women will be able to take advantage of these means no earlier when they are 55 years old. For Men Plank above - they can use money only after 60 years.

However, there are a number of restrictions, allowing you to remove the money before. But it is rather an exception than the rules, since such situations occur infrequently. So, the right to early removal The cumulative part of the pension has:

• persons who have received disability (and it does not matter, to which personality group it includes a person);
• at the loss of the breadwinner;
• separate categories of Russian citizens (they include military, medical workers, teachers, employees of railways, geologists and faces working in the extreme north).

Just the need for money will not be a significant reason for removing savings. Man will have to wait for retirement.

Translation of accumulations in NPF

In 2015, a bill was adopted, which allowed Russian citizens to choose one of the ways of forming a pension:

1. the entire amount of contributions goes into insurance payments;
2. contributions are divided into insurance and accumulative part.

Moreover, citizens themselves now decide where to send accumulations. This should not be a state PF. Many today choose NPF due to more attractive prospects. One of the most popular among the population is the NPF Sberbank of Russia.

If a citizen sent a cumulative part of the pension to Sberbank, then this NPF will also be engaged in the distribution and payment of the pension. Actually, the work of such non-state funds It is to invest in incoming funds to increase the accumulation part. That is, people make money here, wanting to increase their income. The NPF is entitled to be engaged only in the presence of a license. When choosing a suitable NPF, you need to consider the following features:

• level of reliability and risks;
• the presence of a compulsory agreement between the parties (and this should be an individual, not a collective agreement);
• the procedure for making payments;
• interest rates.

Translation of savings in Sberbank

To go to the NPF "Sberbank of Russia", a person needs to act in accordance with the following algorithm:

1. contact the office of the organization or branch of the bank and report your desire to translate a storage pension to Sberbank (a Russian passport must be taken with it);
2. make an application for OPS;
3. sign the contract and get the props of your own accounts;
4. go to the FIU with a statement about the transfer of the funded part of the pension to Sberbank (it is necessary to specify the details of the new account);
5. wait for approval of the application;
6. next, the funds will be translated by the FIU to the account of the NPF Sberbank.

For more convenience, the Sberbank client can also issue a social card with which he can always learn about the amount of savings. Additionally on the map you can store own funds And receive up to 3.5% per annum on the rest.

The removal of funds from the cumulative account is possible, however, if the mortality period is less than 5 years, the income will be minimal.

Accumulative part of the pension in Sberbank: pros and cons

Russians are chosen by Sberbank as NPF. This organization has proven itself as a reliable partner with a high level of service. Moreover, the prevalence of offices allows you to quickly and without unnecessary difficulties to translate accumulations in Sberbank. This NPF has other advantages:

• high rating in the opinion of most well-known rating agencies (this confirms not only high level reliability of the company, but also the profitability of investing in it);
• guaranteed safety of funds;
• high yield rate (9.4% at the moment, which is higher than the profitability of the FIU).

However, some depositors of this fund also noted a number of shortcomings of working with Sberbank of Russia, namely:

• paper rolls and many bureaucratic formalities;
• long transfers of funds (for example, a one-time payment may come to a citizen within 3 months after the appeal);
• tightening the design process due to a variety of inspection instances.

However, the high yield of the Foundation attracts an increasing number of people in the NPF Sberbank of Russia.

How to get money in your arms?

If a person has invested money in Sberbank NPF, and after a while I decided to get money when implementing the foundations established by the legislation. In this case, contact your means as follows:

1. come to the bank branch;
2. contact the head office of NPF "Sberbank of Russia";
3. send the entire packet of documents by registered mail with an attachment by mail.

Moreover, pre-documents will have to assure a notary. Payment is made on the basis of an application prepared in the form established by law. You can download the form in the Personal Office of the NPF website. In addition to the application, the following documents will be required:

• russian passport;
• Reduss;
• pensioner's ID;
• details of the accounts to which the funds need to be transferred;
• help from the pension fund confirming the availability of sufficient insurance experience For payments.

All together is transferred to an office or bank employee. There are 10 days to make a decision from the organization. In the case of approval, one-time, urgent or monthly payment, depending on the current situation.

The lawyer is ready to answer your questions.