Principles of work of NPF "UMMC Perspektiva"

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

JSC NPF "UMMC Perspektiva" was established in 2001. The initiators of the non-profit organization were fifteen enterprises of the Ural Mining and Metallurgical Company.

About the Fund

The largest industrial enterprises managed to combine their efforts in the implementation of the project of the NPF "UMMC Perspektiva". Their goal was to build a reliable and stable non-state fund. It was supposed to generate additional pension savings, provide insurance and professional security payments.

In 2002, the structure received license No. 378 for its activities from the Inspectorate of the NPF. The corresponding document was issued in 2004 by the Federal Financial Markets Service. In 2015, information about the organization appeared in the Unified State Register of Legal Entities.

Geography

NPF "UMMC Perspektiva" operates in the Sverdlovsk and Orenburg regions, as well as in the Republic of Bashkortostan. Representative offices can be found in the following cities: Verkhnyaya Pyshma, Yekaterinburg, Revda, Serov, Krasnoturinsk, Krasnouralsk, Sukhoi Log, Rezh, Verkh-Neyvinsk, Kirovgrad, Orenburg, Mednogorsk, Guy, Vladikavkaz, Tomsk, Kirov, Sibay and others.

Personal funds

In order to understand how NPF "UMMC Perspektiva" works, you should know that in Russia there are currently two types of security - voluntary and mandatory. In this case, we are interested in the first option. Voluntary pension provision complements the state one. It is implemented through the conclusion of an agreement with the NPF.

The UMMC Perspektiva belongs to these organizations. The purpose of voluntary pension provision is to maintain financial well-being. Cooperation with the fund involves the regular transfer of contributions within a specified time, as well as their growth, secured by income from investment activities.

KPO

NPF "UMMC Perspektiva" provides corporate pensions. The organization implements a set of measures that allows for effective personnel and financial management, tax optimization, and social policy. The program is developed for a specific enterprise, based on the pension provision of employees.

The principle of individual accumulation operates, acting through contributions to the account of a particular person. An organization can make such a transfer. An individual employee or any individual is also able to increase pension savings in this way. Payments are accrued after contacting the client's organization.

At the same time, he must be en titled to a state pension in advance. The principle of solidary accumulation applies to legal entities. Contributioncarried out on a group of persons, and not on a specific person. There is no personalization of the deposit. An organization that contributes for its group tells each employee the duration of the pension, as well as the amount.

The principle of parity accumulation is also applicable to legal entities. In this case, the financing of the future pension occurs jointly by employees and the organization. Making contributions is personalized. Thus, for each employee who has entered into an agreement under the parity program, the organization makes a contribution proportional to the contribution of the employee himself.

The exact parity ratio is set based on the provisions of the individual institution's pension plan. Any employee of the enterprise or a group of employees can use this program. Funding is provided by contributions made in accordance with the non-state pension agreement.

Transfers can be made to a nominal or solidarity account. Pension contributions can be made according to predetermined amounts. Payments can be made continuously, until the onset of a pension. An urgent model of cooperation is also provided. In this case, payments can be made within a specified period of 3 to 20 years.

KPO is a particularly effective accumulation tool for the category of “young” employees. Cooperation with the fund can significantly increase the pension level of each employee of the enterprise. The company has the opportunity to use the fund's program as a tool foradditional motivation of employees.

Cooperation with the fund does not require additional insurance premiums. The corporate pension program is developed individually for each company, taking into account the wishes and requests.

Reviews

You already know how NPF "UMMC Perspektiva" operates. Feedback indicates that the fund informs its clients about the interest that will be added to their pension at some point in time. There are complaints in the comments that it is difficult to find the entrance to your personal account on the site. Also, according to users, other failures occur on the site.