Lukoil-Garant is a non-state pension fund. Reviews, funded pension, reliability rating, addresses

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

Today we have to find out what Lukoil-Garant (non-state pension fund) really is. Reviews, rating, profitability level and other important indicators - all this will be discussed later. In fact, it is precisely on all of these points that one can conclude that the company is honest. After all, the preservation of pension savings is an extremely important issue. And every citizen should be interested in them. What terms of cooperation does Lukoil-Garant offer? Are customers satisfied with the service here? What are the pros and cons to pay attention to first?

About activities

So, the first nuance is what the organization does. NPF "Lukoil-Garant" is, as already mentioned, a pension fund of a non-state type. It offers pension insurance services to the population. Helps not only to save, but also a littleincrease savings.

A funded pension is formed at the expense of contributions to the company. Lukoil-Garant does nothing else. That is, pension insurance of the population is its only line of business. And it pleases. Transparent activity, no shadow politics. Everyone knows when and under what circumstances to apply here.

Prevalence

Many people pay attention to the size of the corporation. It's no secret that there are a lot of NPFs in Russia. And most of them either close on their own, or the Central Bank takes away their licenses. Should I be afraid of this with the company under study?

Not at all. "Lukoil-Garant" has a variety of addresses throughout the country. In other words, the company has been operating for a long time, and far from in one city of Russia. This is one of the largest non-state type pension funds. There is at least one branch of the organization in every region of the country.

Lukoil-Garant has been operating since 1994. And since that time, he has been carrying out his activities with particular success. The head office is located in Moscow, on the street. Gilyarovskogo, 39, building 3. Clients are accepted at a different address: Timur Frunze Street, 11, building 13. It is through these contacts that the population can be contacted to resolve global issues regarding cooperation.

The scale of the organization is clear. They inspire confidence. There is every reason to believe that NPF "Lukoil-Garant" is not a scammer. After all, the organization is heard throughoutcountry, she has been working for 22 years. But is it worth investing your money here? What other points should be considered before making a final decision?

Rating

For example, the fund's place in the general All-Russian NPF rating plays an important role. As a rule, the closer a company is to a leading position, the more reliable it is.

"Lukoil-Garant" has a very high rating. According to statistics, the organization is among the top 10 non-state pension funds. Some sources indicate that NPFs are closer to the leading positions. Somewhere you can find information that this corporation is approaching 10th place in the ranking.

In any case, Lukoil-Garant does not fall below the indicated positions. As a rule, it is most often found in 5-7th places in the All-Russian rating of non-state pension funds. So, there is every reason to take a closer look at the company.

Public confidence

"Lukoil-Garant" (non-state pension fund) receives positive reviews for its level of trust. Or, as it is also called, a trust. It indicates how much the citizens trust the company.

Today, Lukoil-Garant has the highest trust. However, like all the other 9 leaders of the NPF. It is indicated that the trust is at the A ++ mark. Or, as you can see, on AAA. The decoding of this indicator is "Highest Trust".

Customers indicate that the non-state pension fund under study has been operating in the country for a long time. And quite successfully. And it inspires confidence and peace. There will be no sudden license revocations. And given the fact that the organization is among the top 10 NPFs in the country, you can look at it as a place for storing and forming pension savings.

Yield

The next nuance is profitability. Some citizens put in the first place not the importance of saving savings, but the need to increase them. Therefore, the return on cooperation plays an important role.

In this area, "Lukoil-Garant" (non-state pension fund) reviews are mixed. The thing is that the promises of the leaders of the organization and the real profitability differ from each other. In the first case, a return of about 13-15% per annum is offered. But in reality, it turns out to see only 7-8%.

Due to such discrepancies, some customers feel deceived and accuse Lukoil-Garant of dishonesty. In fact, this is normal. The pension fund under study is not deceiving anyone. Low profitability is explained by the most common inflation. It is because of her that together put 15% citizens receive 8.

"Lukoil-Garant" (non-state pension fund) still receives reviews as an organization that really helps to increase pension savings. Not too strong, but the return is still there. Andthis factor must be taken into account. As well as the fact that the yield here will be no more than 8%. There is a possibility of its increase, but 7-8%, as already mentioned, is a guarantee of return on cooperation.

About Service

An important point is also the quality of service. This is not the main evaluation criterion, but many customers pay attention to it. What does Lukoil-Garant offer? "Personal account" for individuals! Or rather, an Internet service that serves as an additional opportunity to serve the population. The presence of this component pleases potential investors. You can easily manage your account via the Internet and receive statements about available funds. And it pleases.

But at the same time, "Lukoil-Garant" "Personal Account" for individuals has not been fully implemented. That is, the service works with some failures. They often cause trouble for customers - ordered statements take a long time to form and send. Or, as some say, you can’t get authorized in the system at all. Otherwise, there are no complaints.

Service directly in the offices also receives mixed opinions. On the one hand, the organization tries to give due attention to everyone. Employees answer all questions asked, explain the terms of the contract. On the other hand, the speed of service leaves much to be desired. Perhaps this is the only significant drawback emphasized by customers.

About payouts and losses

"Lukoil-Garant"(non-state pension fund) reviews are varied. Some claims are expressed by the population regarding the payment of pension savings. You can also notice dissatisfaction among those who decided to transfer their funds to another NPF.

The thing is that when the contract is terminated, citizens suffer serious monetary losses. This is quite normal. That is why it is recommended to think carefully about cooperation with the organization. However, all conditions regarding the termination of a previously concluded agreement are prescribed in the contract. They will be introduced before the start of cooperation. And big losses shouldn't come as a surprise.

Payouts are also not as good as we would like. Pensions are paid in full, but often with delays. Many clients are talking about this. This phenomenon should not be scary. "Lukoil-Garant" is not a fraudster, this fund does not appropriate other people's money.

Conclusions

What conclusions can be drawn? "Lukoil-Garant" (non-state pension fund) receives various reviews. There are good ones and bad ones. But in general, this is a very worthy organization that you can trust with your pension savings. Many point out that this is a very good place to save your pension.

But for multiplication - no. Profitability, as already mentioned, is not too high for this non-state pension fund. Nevertheless, it exists. In any case, if you want to use the pensioninsurance from a reliable organization, "Lukoil-Garant" can be considered.