2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
What reviews does Lukoil-Garant receive? The answer interests many future pensioners. Indeed, in Russia at the moment there is a funded system for the formation of pension payments. This means that citizens, in addition to the insurance part, receive additional money. But they independently form these allowances at the expense of a part of earnings. A certain part of the income is stored either in the FIU or in the NPF. It is the second option that is in great demand. "Lukoil-Garant" just refers to such organizations. But is this company worth it? How pretty is she? Decide what Lukoil-Garant is, reviews will help. It is important to pay attention to some components of the non-state pension fund. They will help you understand how profitable the company is. And the opinions of contributors will indicate the integrity of the organization.
Description of activity
Lukoil-Garant is a non-state pension fund. This company was founded a very long time ago. It helps the population to form a part of pension payments. Investors transfer a certain amount of income here, then NPFundertakes to pay money from the account. Either monthly in a certain amount, or once and the full amount. This happens after reaching retirement age. Terms of payments are negotiated.
For the activities of NPF "Lukoil-Garant" reviews are positive. The point is that everyone understands what the corporation does. It forms the funded part of pension payments and stores the money that depositors transfer. The main advantage of this organization is that the NPF offers to slightly increase the total amount of deductions. All similar companies have a similar opportunity. Therefore, she does not surprise anyone.
Prevalence
Reviews about the Lukoil-Garant fund indicate that this organization inspires confidence. Why? All this is due to the huge number of branches throughout Russia. The point is that Lukoil is a large company. And the pension fund of the same name too. The prevalence in Russia allows you to be sure that there is no scammer in front of depositors.
Indeed, "Lukoil-Garant" is the largest non-state fund to which you can make deductions "for old age". He has gained some trust from customers. It has long been proven that this organization is not a scammer. So, as some people think, you can trust the corporation. But this information is not enough to fully assess the integrity of the company.
Rating
JSC NPF Lukoil-Garant reviews of a good, positive type also earns for its positionin the rating of all non-state funds of the country. It has already been said that this company is one of the largest in Russia. It has been functioning for a long time.
In the rating of NPFs, Lukoil is in the top 10. Below this level, the company has never been located. Various sources indicate a variety of information regarding the rating of a non-state pension fund. Therefore, it is best to focus on the fact that Lukoil-Garant, as a rule, is not just among the top 10. It is located in 5-7 places.
And this is good news. Contributors indicate that it is the rating that attracts to the firm. You can not be afraid that it will be closed suddenly. This means that your money will be safe. For many, this is enough to join the corporation under study, as well as leave positive reviews about NPF Lukoil-Garant.
Level of customer confidence
The next thing to pay attention to is the so-called trust level. Or, as it is also called, customer confidence rating. Usually indicates how confident investors are in the integrity and reliability of the company.
Lukoil-Garant (pension fund) also receives good reviews for this indicator. After all, if you believe the statistics, then the trust of this organization is at its best. The level of customer confidence is kept at A++. This is the highest rate everexist.
It turns out that the fund can really be trusted and not be afraid. This is a large and reliable organization, it is in demand among the population. It is among the leaders of NPFs in Russia. Is everything really good?
Return Level
Non-state pension fund "Lukoil-Garant" receives ambiguous reviews for its profitability. This indicator is quite important. Many are guided by it when they choose where to invest money that is saved for old age.
Lukoil-Garant is not doing as well as it seems. On average, it turns out to increase the account by only 7-9% of the available amount per year. Not too much. Moreover, the organization itself promises a yield of about 12%. Some feel cheated.
Nevertheless, there is a logical explanation for this difference - inflation. It is due to it that the real profitability of all organizations is falling. Therefore, Lukoil-Garant receives both positive and not very positive reviews. On the one hand, the return on investment is much less than promised. On the other hand, this is more than many non-state pension funds can offer.
Customer Service
Some also consider the quality of service. In fact, this indicator often indicates the integrity of the company. A good organization will take care of every customer.
In this area, NPF "Lukoil-Garant" receives mixed reviews. In general, many emphasize that the service as a whole pleases. Contact for any questionsYou can visit the nearest branch of the company. And the citizen will definitely receive answers. Also, the benefits of service, many include the presence of the so-called virtual personal account. It allows you to order account statements via the Internet, as well as monitor the status of the deposit.
On the other hand, complaints are often made about the speed of customer service. Many remain dissatisfied with this component. Employees don't work very fast. But at the same time, they will definitely help each client.
"My Account" sometimes malfunctions. But such cases are rare, no one is immune from them. Therefore, despite some shortcomings, the quality of service at Lukoil-Garant remains at a fairly high level.
About contract
Attention deserves the contract, which is concluded with all investors. For him, NPF "Lukoil-Garant" receives positive reviews. For what reasons?
This organization offers a detailed cooperation agreement. All nuances and features are prescribed in the contract. Here you can see questions regarding ongoing transfers, and everything related to upcoming payments.
Also, the consequences of termination of the contract are not hidden from citizens. All risks and losses incurred by the investor are also specified in the agreement. This approach pleases - there is no need to once again find out this information from the company's employees.
Secret deposits
Nevertheless, Lukoil-Garant receives customer reviews of not the best nature forone feature. It is available in many NPFs. What is it about?
The thing is that the investors of the company under study often indicate that their funds from the Pension Fund of Russia are secretly transferred to Lukoil-Garant. That is, people unexpectedly discover that their money is in the fund under study. This causes dissatisfaction among some citizens.
There is nothing surprising in such a phenomenon. If you carefully study the statistics, then such complaints come from officially employed citizens. Lukoil-Garant enters into agreements with employers on the transfer of part of the salaries of employees to form their pensions, or rather funded parts. The boss should notify everyone about this, not the NPF. Therefore, claims against the organization are inappropriate.
Lawyers' opinions
"Lukoil-Garant" gets a variety of reviews. What do lawyers think about this company in general? What advice can they give to citizens?
Lawyers have no complaints about the non-state pension fund. He offers a detailed contract, provides information about his work on demand. The right to enter into agreements with employers is not illegal. And in this case, as already mentioned, it is the employer who must notify all new depositors.
Therefore, lawyers point out that Lukoil-Garant is acting quite legally. You can not be afraid that the rights of citizens will be violated. Therefore, it is worth taking a closer look at the pension fund under study. At least in order to invest the money set aside forold age, into a responsible and conscientious organization. The absence of written notifications about the transfer of the funded part of the pension to the PF is a minus, but it does not violate the established legislation.
Disputes around the license
Some say that Lukoil-Garant's license has been revoked. This news appears in some reviews. It makes many potential investors doubt the stability of the company.
In fact, such news is nothing but a hoax. Lukoil-Garant is a large and stable company. She has a perpetual license in 2016. This pension fund continues to operate legally. Therefore, it is not worth believing the opinions that speak of revoking the license. What other nuances do you need to pay attention to?
About payouts
From now on, it is clear what kind of reviews the non-state pension fund Lukoil-Garant receives. It is recommended to pay special attention to the payments made. What do they say about them?
"Lukoil-Garant" usually pays money to its depositors exactly on time, specified and prescribed in the contract. But sometimes there are delays. They repel some potential members.
This situation is normal. Small delays in payments are not a cause for concern. Moreover, numerous reviews indicate that these events do not occur so often.
Conclusions
What conclusions can be drawn from all of the above? NPF "Lukoil-Garant" reviewscustomers mixed receives. This company is far from ideal, but it still offers quite high-quality services. Not suitable for those who want to get a good return on existing deposits.
But if the main selection criterion is the stability of the organization, then Lukoil is 100% suitable. You don't have to worry about license revocation. It definitely won't happen anytime soon. After all, it has been repeatedly said that the corporation under study is among the leaders of non-state pension funds in Russia.
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