Pension in "Rosgosstrakh" is a profitable investment, secured old age

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

The new pension model has been operating in our country since 2002. Its basic principle is insurance. That is, the amount of pension payments depends not only on the contributions accumulated on the account of the future pensioner, but also on how the state or non-state pension fund (NPF) will manage the funded part of the pension. What distinguishes NPF Rosgosstrakh from the rest?

Official information

Rosgosstrakh (RGS) has been operating in the insurance market since 1992. The company was created on the basis of Gosstrakh of the RSFSR, which has been operating since 1921. Today Rosgosstrakh is one of the largest insurers in Russia.

The company has its own private pension fund. He is a priori trusted by thousands and thousands of clients: investments will not only be securely stored, but also significantly increased. And in the event of an unforeseen death of the insured person, the savings are transferred to the account of the assignee.

The agreement with Rosgosstrakh is very transparent. Work with the client begins after the signing of the agreement and the transfer of the funded part of the pension to Rosgosstrakh.

Pension plan insurance program

It is built in such a way that, in addition to monthly contributions from the employer, it is possible to pay the agreed amount on your own. Moreover, under the terms of the program, neither the amount of contributions nor their number during the year are unlimited. Thus, upon retirement, the insured person, in addition to the state-guaranteed payment, will receive an additional 2,000 rubles. And even in this case, there is a choice: the funded pension from Rosgosstrakh can be paid both for life and in equal installments, for example, for ten years.

There is no reason to doubt

It really is. It is not the first year that SK has been a leader in the rating of NPFs. And has been in the top five for quite some time.

The authorized capital of the company is more than 165 billion rubles, and the number of insured people has exceeded 3 million people. More than 3,500 branches across the country.

Now yield. For the entire period it exceeds 85%. And the average annual yield fluctuates between 8-10%.

Naturally, the funded pension in Rosgosstrakh will depend on the reliability of the NPF. That is, the more profitable the company invests money, the more profit will be earned, and the more benefits customers get. Rosgosstrakh allocates its capital as follows:

• bank deposits - more than 50%;
• bonds of business entities - about 25%;
• bank accounts - 22%;
• government securities and shares of business entities - slightly more than 1%.

In addition, the activity of the NPF of this insurance company is regulated by the Central Bank of the Russian Federation and the Tax Inspectorate, and all savings are insured by the DIA. Therefore, a pension in Rosgosstrakh is a very profitable investment.

How to transfer a pension to Rosgosstrakh

Really simple. Please contact the nearest branch of the company. Next:

• Sign a pension insurance contract (OPS).
• We are writing an application for the transfer of a funded pension to Rosgosstrakh in electronic format with a mandatory digital signature (for transferring a document through a channel with increased security).
• We certify a personal signature at any notary office or the nearest branch of the Pension Fund of the Russian Federation.
• Receive an SMS message and report it to the operator.

We are waiting for a control call from the consultant of the NPF "RGS" and confirm the fact of the actual conclusion of the contract for the transfer of the funded pension to Rosgosstrakh.

Required documents

To transfer the funded part of the pension to Rosgosstrakh, the following documents are attached to the application:

• Passport or other proof of identity.
• SNILS.

Personal account

For the convenience of customers, a service has been created on the official website of the company that givesthe opportunity to learn about new services, accrued amounts, assigned interest, etc.

Registration in your account goes through the opening of the service. To do this, at any office of the UK, you must fill out an application form.

Post scriptum

Despite the high profitability and control over the activities of the UK by the state, and even the ability to appoint a successor, this NPF has some disadvantages.

Most of the reviews about the funded pension in Rosgosstrakh and its other services speak of the often incorrect work of its employees, which naturally causes distrust and even some rejection.

Plus, there are often reviews in which people complain about the lack of information about the company itself and its insurance programs, about the absence of any explanatory work among the population and advertising policy. Therefore, the general population is simply unfamiliar with the CGS program for funded pensions.