2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Company "Lukoil" is known to every citizen of our country. Gas stations of this company can be found in every city. Lukoil belongs to a number of companies that are active in social activities, show a stable income and invest in various projects.
Non-state pension fund "Lukoil-Garant" was established by the company in 1994. The first investors of the fund were the employees of the company themselves. And now, for more than 20 years, the client base of NPFs has continued to grow. Over the past period, the fund has taken a leading position among similar organizations.
Fund information
Depositors are attracted by the stability of income received by NPF "Lukoil-Garant": the reviews confirm this, although many mention in them the desire to see a greater result. From 2013 to 2015, the company's profitability increased from 6.6% to 8.7%. By the end of 2016, the growth trend continued. The total amount of savings invested in the fund reached 250 billion rubles. A high level in the rating was retained by OAO NPF Lukoil-Garantand in 2017.
Expert RA, one of the most reputable rating agencies, rated Lukoil-Garant in terms of reliability and profitability at A++. The highest level of reliability was awarded by the NPF and the national rating agency, it entered the top ten NPFs in Russia.
Selecting a non-state pension fund
When choosing an NPF, it is very important to make sure that it has a license to carry out this type of activity. NPF Lukoil-Garant received a perpetual license back in 2014, and it was not subject to revocation. Since the beginning of 2015, the fund has also been participating in the investment insurance program. The point is that in case of liquidation or bankruptcy of the fund, all investors will receive their initial investments. The payment will be made by the state. This system gives future pensioners confidence in the future.
By joining the Lukoil-Garant fund, depositors can further count on the following types of payments:
- One-time payment of all accumulated funds.
- Paying monthly savings for at least 10 years.
- Lifetime payment every month.
- Compensation of pension payments to successors.
Fund "Lukoil-Garant" begins to pay out accumulated funds when the depositor reaches retirement age in accordance with pension legislation. Since 2017, adjustments have been made to the items relating to the age of entry to legal rest. The right to retire was extended to 60 and a half years for men and to55 and a half years for women. Each year, the retirement age will increase by 6 months, reaching 63 for women by 2032 and 65 for men by 2027.
Terms of entry
Before contacting OAO NPF Lukoil-Garant for processing payments, you should check the amount of funds accumulated in the account. After that, you can apply for payment. The contributor's pension savings are paid out to the successors after the entry into the inheritance right after 6 months. In this case, it will be necessary to send documents confirming the right to dispose of the depositor's funds to the fund.
Another important point is the right of the contributor to receive a social tax deduction. This compensation is possible subject to regular transfers of funds over three years to a pension account. A tax deduction is transferred upon application for a card or passbook.
News about NPF Lukoil-Garant for 2017
If we consider the activities of NPFs for almost the past year 2017, we can conclude that the stability and reliability of the fund are far from empty words. Monitoring conducted at the beginning of 2017, as well as reviews of NPF Lukoil-Garant, showed that up to 80% of depositors are ready to recommend the fund to their friends.
In March this year, the non-state pension fund "Lukoil-Garant" announced its intention to index the pensions of depositors who have reached the age of 70. Since April, three new online services have been launched at once, available to each clientfund in your personal account on the site. These innovations made it possible to make requests for documents, update existing data and update information, as well as apply for a pension. However, not everyone was satisfied with the innovations. Opinions were expressed that the service could be done alone and that it would be more convenient.
High positions among NPFs
In April and May, Lukoil-Garant remained in the leading positions in the lists of NPFs, as it showed a positive trend in all indicators of its activities. Many put Lukoil-Garant on a par with NPF from Sberbank. The competition in this case is quite justified, since both funds are equally successful in attracting new clients. Like NPF Sberbank, Lukoil-Garant does not enter into high-risk transactions and does not try to attract customers with the promise of exorbitant profits.
Many believe that it is this conservative approach to financial matters that allows the fund to remain stable and reliable. In August, however, the purchase of the fund of FC Otkritie was announced. A change in leadership usually results in changes in the policies of the entire company. The investors express the hope that there will be no negative consequences for them from such a merger.
Reviews
There are many positive reviews on the Internet about NPF Lukoil-Garant. This is due to consistently high positions in the most authoritative ratings of reliability and profitability, obtained by the fund with a perpetual license and more than 20 years of history.
The Fund has experienced over this periodmany, including unfavorable economic situations in the country, showing stable incomes. Although the profits were not exorbitant, the fund never ended up in the last ranks either. The high ratings of NPF Lukoil-Garant are proof of this.
It is these factors that inspire confidence among the clients of NPF Lukoil-Garant. Among the positive features of the fund, in addition to the absence of negative returns, clients also highlight the improvement of online services, stability and confidence in the future. The progress can be judged by the fact that back in 2015, in order to obtain a password from a personal account, it was necessary to contact the office or send notarized copies of documents directly to the fund. Judging by the reviews of NPF Lukoil-Garant, since 2016 this problem has been solved and registration in your personal account can be done without leaving your home.
Identified shortcomings
There are, however, quite a lot of negative reviews about the work of NPF Lukoil-Garant. Some complaints are not directly related to the foundation, but the imperfection of the organization's system must be recognized. There are comments about the unfair attraction of clients to NPFs without their consent. This happens when applying for a loan at a bank, when after some time a person finds himself a client of Lukoil-Garant. Most often in this kind of reviews, the Home Credit bank is found.
In the future, the unwitting client of the fund has to spend a lot of time visiting the company's office to write an application to refuse the services of the NPF. Another disadvantage isthe need to send notarized copies of documents by mail in case the client's data has changed. For such cases, the fund does not provide for the processing of electronic requests.
Difficulties in transferring money
Some reviews mention the difficulties of transferring funds from another NPF, as well as problems with obtaining an account balance statement and withdrawing funds after the expiration of the contract. There are also cases of filing a lawsuit, as negotiations on the withdrawal of funds from the fund do not produce results.
Unfortunately, in such matters, the high rates of NPFs do not save. There are other points that anger investors. This is a problem with dialing the fund's hotline, the incompetence of representatives, the need to pay tax on the profits received from the fund, etc.
Representative offices of NPF "Lukoil-Garant" are in many cities of Russia, for example NPF "Lukoil-Garant" in Yekaterinburg, and in this case it is easier to resolve current issues. However, if there is no Lukoil-Garant NPF office in any region, the solution of problems is delayed, as it happens through mail and phone calls.
Another problem is the lack of customer feedback online.
Rating
Rating indicators are very important for any large company, as they show reliability and profitability. As mentioned above, NPF "Lukoil-Garant" received the highest rating for its activities in the rating of the national agency. And this indicator is reallyinspires confidence. The fund's policy provides for the rejection of risky investments and relies on the long term. This option of doing business allows you to be stable, however, it does not give high profitability.
Some people compare Lukoil-Garant with Sberbank. Both organizations have been afloat for a long time and adhere to their strategy of preserving invested funds, not increasing them. Investors don't always like this. To many, this restraint seems unjustified. In any case, it is best to attach the funded part of your pension to the fund, and not refuse to form it. This will give you a chance to get a significant increase in future payments.
NPF "Lukoil-Garant" is a good option for investing your savings. At the very least, you can be sure that your funds will remain unchanged. Address of NPF "Lukoil-Garant" (head office): Moscow, st. Gilyarovskogo, 39, building 3. Address for sending documents: Tula, st. Radishcheva, 8.
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