2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Today we have to understand what the Lukoil pension fund is. Choosing a place for the formation of the funded part of the pension is not so easy in Russia. Therefore, one has to study numerous reviews about each NPF in the country. So what can be said about Lukoil? Is it worth investing your retirement savings here? What pros and cons do clients see in cooperation with a corporation?
Description
NPF Lukoil is a non-state pension fund. He is engaged in the provision of pension insurance services in Russia. It has many branches and branches throughout the country.
Does not offer any more specific services. This pleases the people. After all, Lukoil-Garant can be contacted to form pension savings. And to increase the money set aside for old age. But is it worth it? What can you say about this company in general? What are its advantages and disadvantages?
Rating
For example, every citizen should pay attention to the fact that the Lukoil pension fund occupies a good position among NPFs in terms ofcountry. This organization is in the top ten. Most often, it is indicated that Lukoil-Garant takes 4-5th place in the rating of Russian NPFs.
This feature attracts new customers. After all, there is every reason to believe that the organization is conscientious. There are so many NPFs in Russia. And only the best organizations get into the top ten. They become highly interested and trusted by people.
Yield
What else makes Lukoil-Garant stand out? The profitability of this corporation, according to numerous reviews, leaves much to be desired. Many emphasize that the organization tends to exaggerate the profitability of pension savings.
The profitability of the non-state pension fund "Lukoil-Garant" is only about 5-6%. This is very little. But, as investors say, this increase is offered on a permanent basis. Slightly, but pension savings can still be slightly increased. If you want to choose an NPF with a high yield, it is better not to consider Lukoil-Garant as an option. This corporation offers a small but guaranteed income from the savings available in the fund. For some, this is enough.
Reliability
Lukoil's pension fund gets positive reviews for its reliability. The thing is that the company has a good level of public confidence. To date, the reliability rating is kept at A ++. This indicator is deciphered as "The highest level of reliability". Accordingly, many talk about the high stability of the organization.
Thanks to this indicator, people believe that Lukoil-Garant's license will not be suddenly revoked. You can trust the firm with your retirement savings without much danger. After all, they will be paid when the time comes. It is impossible to lose a deposit in Lukoil. Stability and security - this is what is offered to all depositors of this non-state pension fund.
Customer Communication
NPF "Lukoil" receives rather mixed reviews for the treatment of employees with clients. Some emphasize that it is in this organization that it is possible to meet an attentive attitude and get answers to all questions without much difficulty. Employees treat everyone respectfully, with respect, they try to give everyone due attention.
However, some reviews contradict positive statements. It is indicated that non-professional personnel work in Lukoil. They simply lure clients to them, but withhold important information about cooperation. Some workers cannot answer some simple questions.
What to believe? Rather, it is better to take a neutral point of view. The point is that Lukoil's pension fund receives a variety of opinions. The organization is distributed throughout the country, each branch has different employees. Therefore, in some regions you can really encounter not the best workers. Nobody is immune from this. Nevertheless, Lukoil is trying to quickly rectify the situation by getting rid of unprofessional staff and apologizing to its visitors.
Cheaters or not?
Some accuse NPFs of fraud. And there are many such opinions. All this is due to the fact that people suddenly discover their funded parts of pensions in Lukoil. But at the same time, it is noted that the person personally did not sign any contracts. Accordingly, there is a suspicion of misappropriation of money by a non-state pension fund.
Lawyers and experienced citizens say that there is no illegality. That is, the Lukoil pension fund operates within the framework of established legislation. Surprises with the discovery of pension savings in the company under study are found mainly among officially employed persons. Such negative situations occur due to the fact that Lukoil enters into cooperation agreements with employers. All subordinates automatically transfer accumulative pension contributions to NPF Lukoil-Garant. But the direct employer must notify about this. The non-state pension fund does not assume such responsibility. Therefore, it is not worth accusing the organization of fraud.
About payouts
The last nuance that customers pay attention to is the payment of pension savings. In this area, the Lukoil pension fund does not receive the best reviews. Rather, they are ambiguous.
Some talk aboutthat pension payments occur exactly on time and without any negative aspects. And someone assures the opposite. Moreover, there are more negative opinions than positive ones. The population says that pension payments are made with delays. In some cases, you have to repeatedly ask the organization to make transfers.
drawing conclusions
What conclusions can be drawn from all of the above? NPF "Lukoil" receives different reviews. In general, this is a good non-state fund, but with its own shortcomings. It can be said for sure that Lukoil-Garant offers a stable, albeit low, yield, as well as the reliability and security of pension savings.
This company has problems with payments. But they cannot be 100% avoided. It is not worth accusing Lukoil-Garant of bad faith because of delays in payments.
Recommended:
Contributory pension: the procedure for its formation and payment. Formation of insurance pension and funded pension. Who is en titled to funded pension payments?
What is the funded part of the pension, how you can increase future savings and what are the prospects for the development of the investment policy of the Pension Fund of the Russian Federation, you will learn from this article. It also reveals answers to topical questions: "Who is en titled to funded pension payments?", "How is the funded part of pension contributions formed?" and others
Insurance pension - what is it? Labor insurance pension. Pension provision in Russia
According to the legislation, since 2015, the insurance part of pension savings has been transformed into a separate type - an insurance pension. Since there are several types of pensions, not everyone understands what it is and what it is formed from. What is an insurance pension will be discussed in this article
How much taxes does an employer pay for an employee? Pension Fund. Social Insurance Fund. Compulsory Medical Insurance Fund
The legislation of our country obliges the employer to make payments for each employee in the state. They are regulated by the Tax Code, Labor Code, and other regulations. Everyone knows about the famous 13% personal income tax. But how much does an employee actually cost an honest employer?
How does the Pension Fund work? Structure and management of the Pension Fund of the Russian Federation
How does the Pension Fund work? Speaking conditionally, the mechanism of functioning of this institution is associated with the support of the material welfare of people who are included in the social category. At the same time, the new generation starting to work must make contributions to this structure. Elderly people, on the contrary, due to the fact that they can no longer work, receive a fixed amount every month. In fact, the Pension Fund is an eternal cycle. The article will describe the properties and process of organizing the work of this structure
Which pension fund to choose: reviews, rating. Which non-state pension fund is better to choose?
The pension system in the Russian Federation is built in such a way that citizens independently decide where to direct their savings: to form the insurance or funded part of payments. All citizens had the opportunity to choose until 2016. For two years in a row, the ability to distribute savings has been suspended. For all Russians, deductions from wages (22%) form the insurance part of the pension. Therefore, the question remains, which pension fund to choose to fulfill these tasks: public or private?
