Pension Fund "Consent": reviews of clients, employees and lawyers

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

Many people try to take care of their own future, and if someone is not satisfied with the way the state does it, they can take their fate into their own hands at any moment and secure a carefree future for themselves. It is for this reason that the services offered by the Pension Fund "Consent" have recently become relevant. For many, customer reviews are a primary source of important information about how this organization works and whether it really delivers on its commitments.

In this article, we will look at what services this company provides, how it works and what customers think of it.

OPS

Compulsory pension insurance is a system through which the state is directly engaged 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 GPT can be called insured persons, and in the event of an insured event, such as disabilityor simply reaching the appropriate age, the Pension Fund "Consent" is engaged in further ensuring payments to citizens. Feedback from clients suggests that the fund is largely up to par with its obligations so far, despite the fact that some people have had some problems.

Who are the insured persons?

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

• works in accordance with the drawn up labor or civil law contract;
• is self-employed (lawyer, notary, farmer or self-employed);
• works outside the country, but at the same time consistently pays insurance premiums 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. An insurance certificate is issued after applying to the Pension Fund or in the case of the first employment. Today, more than 100 million people in Russia are insured persons.

Insurers

Of course, the main administrator in this case is the Pension Fund of Russia, which manages all pension funds. But in fact, in parallel with this fund, non-state organizations can also act as insurers.pension funds or the respective management companies, but only for the formation of the so-called funded pension. The insurer is engaged in the gradual accumulation of insurance premiums from the insured persons, and at the same time, he invests these funds through specialized management companies.

An insured person who provides himself with a funded pension has the opportunity to completely independently choose an insurer who will manage the funds, and many choose the Consent Pension Fund. Customer feedback highlights not only stable payouts and capital growth, but also a professional service that provides support to each client.

Co-financing

In accordance with the current legislation, since 2009, the Russian Federation has been running a program to co-finance the pension savings capital. Thanks to this, citizens have a unique opportunity to significantly increase their own pension in the future by signing an agreement with an organization such as the Soglasie Pension Fund. Customer reviews often note this service, as it allows you to simultaneously receive payments from state and non-state 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 the opportunity to significantly expand the amount of the funded part of your future pension. It is worth noting the fact that all additional contributions will be doubled over the next10 years, but the only condition in this case is the contribution of at least 2000 rubles per year. There is also one limitation - the surcharge can be no more than 12,000 rubles annually. In this regard, the maximum possible addition to the funded part of the pension from the state is 120,000 rubles.

Under federal law, the deadline for accepting applications ended in early 2015.

Working with a non-state fund

The non-state pension fund "Consent" also allows you to participate in the voluntary financing 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, which will be constantly accrued by the fund to your account.

Customers often ask if this program is available for those pensioners who are not working or currently working. In accordance with changes in the current legislation, the state will co-finance the contributions of only those participants who have not previously received a pension through the Pension Fund of Russia, but this rule does not affect people who entered the program before the beginning of October 2014.

What are the benefits of this service?

• contributions made will steadily increase over time;
• eventually you can get a very, very good increase in your pension;
• you get a constant investment income that youprovided by the Non-state pension fund "Consent";
• there are no restrictions on how much contributions can be made;
• the period and amount of contributions made, as well as the duration of your participation in this program, you can determine completely on your own;
• there is an opportunity to receive a special tax deduction from each amount that you will contribute to your funded part of the pension under this program;
• accumulated funds can be inherited by legal successors both in the process of accumulation and after the insured person retires.

How effective is this fund?

Based on customer feedback, it is impossible to determine in numbers how efficiently the Non-State Pension Fund "Consent" works. The opinions of lawyers are another matter, as these people conduct a thorough analysis of the activities of modern companies, and can also intersect with them in the course of all kinds of litigation.

First of all, it is worth noting the fact that the Expert RA rating agency assigned this company an extremely high level of reliability, which already indicates a good reputation of this company in the insurance market.

Non-state fund or state?

First of all, it is worth noting the cumulative profitability of the company, equal to 30.55% over the past three years. This figure significantly exceeds that observed in the public administrationof the company, as in it for the same period the accumulated return is only 15.95% in accordance with the securities portfolio, as well as 19.68% in accordance with the extended investment portfolio.

9.84% a year the company receives from investing pension savings, replenishing the accounts of its clients. At the same time, 11.44% is the rate of return that was distributed among various retirement accounts at the end of 2013. It is worth noting the fact that at that time it was one of the highest rates among all companies operating in this field. At the same time, in 2012, the yield was 12.7% and was the highest rate among all peers.

Representing a legal successor, in the process of work, the joint-stock fund uses the most effective developments that allow it to provide a consistently high quality of service, as well as sufficiently high, and at the same time, stable rates of return on invested pension savings, which made it possible to form a loy alty credit and confidence on the part of clients in how the Non-State Pension Fund "Consent" works. The opinions of lawyers, on the other hand, indicate that any legal proceedings with this organization are an order of magnitude less frequent in comparison with many other financial structures.

How are payments made?

Clients are given the opportunity to receive a pension if they have already reached retirement age, but in addition, the payment of a fundedpart of the pension before this date. This category includes citizens whose work is associated with hazardous types of production, or those who live in fairly harsh climatic conditions. It is immediately worth noting the fact that this list is regulated by the current legislation, so you should familiarize yourself with it before clarifying various nuances.

Ensuring a one-time payment of the entire accumulated amount is possible in the following cases:

• a person receives a labor pension due to loss of a breadwinner or disability;
• the pension is received in accordance with the state pension provision, but there is no right to determine the old-age labor pension due to the lack of the necessary insurance period;
• the total amount of the funded part of the pension does not reach 5% of the total amount of labor old-age pensions.

Urgent payments after the expiration of less than 10 years are possible if a person is a participant in the pension co-financing program and at the same time formed his own pension savings through participation in this program (in other words, he 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 provided with an urgent payment by the Non-State Pension Fund "Consent". Whether it is worth joining the program under such conditions is already a personal choice of each person, since for manythese conditions are quite acceptable, while others are absolutely not suitable.

How do I make a payment?

Pensions are initially processed directly at the main office, which is located on Leningradsky Prospekt in Moscow, but for those people who are unable to do this, there is the possibility of sending an 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 "Consent". Is it worth joining in this case - the choice is entirely yours, since everyone has different concepts of the quality of service.

It is immediately worth noting the fact that you can significantly speed up the overall registration procedure if you first make a call to the company. Thus, you will have the opportunity of preliminary consultation regarding various nuances regarding the application, as well as the timing of their acceptance.

What are the benefits of working with this fund?

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

Yield

Of course, the profitability of NPF "Consent" will directly depend on the total size of your futurepensions. Even if the difference is only a few percent per annum, within 20-30 years you can more than double your own pension. 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 success of other organizations.

Everyone is well aware that the worst thing that can happen for the fund and all its clients is the absence of an increase in savings, but the current statistics so far indicate that this does not threaten NPF "Consent", therefore, among the authors there are practically no reviews of people who want to terminate the contract.

The company is trying to be as careful as possible when choosing a direction for investment in order to provide its customers and, accordingly, themselves with the maximum possible income. It is far from 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 investors. At the same time, the management team and Chairman of the Council Yevgeny Dobrovolsky (NPF "Consent") have no connections with such structures, therefore they are trying to invest savings in the joint interests of clients.

Having vast managerial experience, as well as understanding in detail in their areas of activity, specialists choose the best areas 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 customer reviews, is extremely convenient, and first of all, many respond with professional service. It is enough just to call or write a letter so that the managers begin to deal with your issue. The founders of NPF "Consent" are constantly trying 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 your future well-being, while you can control your own funds through a telephone or a specialized pension terminal.

Branches of NPF "Consent" are located throughout the country, so anyone can come and get advice or become a client of the company, regardless of their place of residence. This is also a fairly important benefit for many.

Reliability

Of course, this indicator is the most exciting for the majority of modern citizens who are interested in offers from the organization "Consent". 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 a reputation as 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, 2015, the total amount of pension savings in this organization reaches 21billion rubles.

Also, OJSC Non-State Pension Fund Consent has an authorized capital of 150 million rubles.

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

Revocation of license

It is worth noting the fact that many people believe that the work of this fund has been officially discontinued, but in fact it is not. The NPF "Soglasie" license was canceled voluntarily, as the management decided that the development of two funds at the same time is inappropriate. After the cancellation of this license, the joint-stock fund under the same name began to operate as before. All obligations and rights related to compulsory pension insurance from the NPF were transferred to him, and at the same time, no decision was made to terminate the contract with anyone.