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

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

Non-state pension funds in modern Russia began to be in great demand. But choosing a conscientious organization that could be entrusted with your future pension is not so easy. Today, our attention will be presented to the NPF "Lukoil-Garant". Everyone's feedback is important. Any opinion will seem very useful and informative to someone. What do customers think of this organization? Can you trust her? Or is it better to keep retirement savings somewhere else? This will have to be sorted out in advance. After all, retirement is no joke. And issues related to it should be resolved in advance.

Activities

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

Lukoil-Garant is a non-state pension fund. It serves to save and accumulate your future pension. Of course, with a littleincrease. That is, this company is raising funds "for old age" for citizens with the subsequent payment of these. Nothing suspicious, completely normal activity. For all this, NPF "Lukoil-Garant" receives positive feedback from employees and customers. No need to figure out what other services the organization provides. Just enough to remember that in this place you will be able to store and increase your pensions for the future.

Distribution

For any corporation, its prevalence throughout the country is important. In this sense, NPF "Lukoil-Garant" (everyone can leave a review about it for free) has a pretty good reputation. This is a relatively old organization that has branches throughout Russia.

That is, we are clearly not cheating. If you want to become a Lukoil-Garant depositor, there will be no problems. Just find a branch in your city (you will definitely find it) and go there at any time convenient for you. No problem, right? The organization is spread throughout the country. Perhaps, at the moment there is not a single city in which at least one Lukoil-Garant office would not be located. And it pleases. Customer confidence from such a prevalence of the organization is only growing.

Rating

The so-called customer confidence rating plays a huge role. And in general, finding the organization in the list of all possible non-state pension funds. In this area, NFP "Lukoil-Garant" receives only good customer reviews. And the rating is also high for this company. Inanyway, that's what a lot of people say.

At the moment Lukoil is one of the five best funds for pension savings. That is, you can definitely trust him. The trust level is A++. This is the highest measure. It turns out that we have a really 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.

Yield

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

At the moment, the organization's annual income is about 6-6.5%. The rest is "eaten up" by inflation. Basically, it's not that much. But so far, competitors cannot offer a greater return. The maximum is 4-5%. And "Lukoil-Garant" has a high profitability. Not much, but still there are differences. And they make many customers happy.

So NPF "Lukoil-Garant" people's rating notes at a decent level. So far, there is every reason to believe that we have a conscientious company that will help preserve and increase your pension savings. But is it really so? Aren't these claims just advertising to attract new customers?

Become a member

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

What is it about? NPF "Lukoil-Garant" (review of this organization can be found both positive and negative) is active, even too much, is engaged in attracting new investors. This phenomenon repels some - why would an already successful, proven corporation be actively engaged in the search for new customers? They should contact them themselves.

But more indignation appears when a citizen decides to check where the funded part of his pension is. It often turns out that you are already a client of Lukoil-Garant. But with all this, there was no appeal to the company on your part, no one entered into an agreement for the provision of services. A surprise that alarms and angers customers.

Why is this happening? All due to the fact that Lukoil-Garant enters into contracts for the preservation of the funded part of the pension with various employers. In turn, they force all employees to use only this pension fund. In such operations, consent is not required, the employer acts as a guarantor and gives the go-ahead to conclude contracts.

But if you personally apply to the organization, then there are no complaints. You will quickly draw up a contract indicating all the nuances inseveral copies, they will quickly open an account, then they will start saving your pension contributions. The agreement will be set out in clear and simple language. Although some are confused that there is very little information in the contract about the return of funds if necessary.

To another fund

No matter how sad it may sound, NPF "Lukoil-Garant" (reviews, rating and level of trust in this organization are presented to our attention) is not the most honest organization. In any case, this opinion is shared by clients who have decided to leave the fund and move to another. When signing the contract, you will be informed that there will be no problems. Would you like to change your pension fund? Just write an application in the prescribed form and present it to the Lukoil-Garant office in your city. Do not forget to write down the details of the account to which your funded part of the pension will be transferred.

But it all just sounds so good and wonderful. In practice, client applications are constantly rejected for one reason or another. Often promises are simply made up. Anything to keep customers. Outrage knows no bounds. In fact, by contacting Lukoil-Garant, you will be tied to this organization. Switching to another pension fund will require you to be persistent, even importunate, in asserting your rights. Several times you will have to write a statement and eliminate all the "mistakes" that the company points out. You can't just leave her.

Be aware that you will suffer huge losses afterhow to get away from 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 written in the contract, but, as a rule, no importance is attached to it.

Payouts

Another negative point is the payment of already due pension savings. You can pick them up only when you become a pensioner. After that, you can either take the entire amount at once, or receive a certain percentage of all savings. The second scheme is the most common.

But only the NPF "Lukoil-Garant" (review of this organization of a positive nature to meet lately is more and more difficult) has a bad reputation in this direction. Many clients assure that it will not be possible to receive funds from the corporation on time. Constantly some failures happen, malfunctions, as well as answers from the category of "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 to refuse the services of the organization. Or at least treat her with care.

Bankrupt

They say that NPF "Lukoil-Garant" is waiting for the revocation of the license soon. But these are just rumors. They appeared due to the fact that most of the participants do not receive their pension savings on time. Hence suspicions arise: the company simply went bankrupt. She has no money to pay. So, once she spent all the money received, which were transferred by clients,to your needs. Dishonest, illegal and irresponsible!

All this forces us to 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 your pension to another non-state (or even state) pension fund. This is exactly the kind of advice many participants give.

Stay away

As you can see, NPF "Lukoil-Garant" (we now know the customer reviews and its rating) is far from being the most conscientious company. It is stable, relatively reliable, but you 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 apply here. Indeed, in general, the situation is not much different from what is happening in other non-state pension funds. Lukoil-Garant is one of the leaders in Russia. Both in terms of profitability and the number of customers (it doesn’t matter how exactly they came to the organization). This pension fund will obviously not lose its license and will not be closed. So it can be considered pretty 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.