Norilsk Nickel - pension fund: description, services, rating and reviews

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

Non-state pension organization “Naslediye” has been operating for twenty-four years now, which was renamed twice before it was given this name. It all started with the Interros-Dignity organization, to which the NPF Norilsk Nickel was attached in 1996. Actually, under the name "Norilsk Nickel" the pension fund is best known. Four years ago, a decision was made to rename Norilsk Nickel to Heritage.

But the merger process did not end there, and in the period from 2014 to 2016, Heritage, that is, the former Norilsk Nickel, was included in Gazfond along with Kit-Finance and Promagrofond . Starting from 2017, all clients of the listed organizations are served by the Gazfond institution. More details about the activities of this fund, as well as its services and rating will be discussed below.

Changes taking place in the fund

Today, the Heritage Pension Fund (Norilsk Nickel) announces the completion of the reorganization process in the form of a merger with the Gazfond pension savings company, which is the largest in its field in terms of assessing the scale of simultaneously merged assets.

NPF "Gazfond" took over the institution "KIT-Finance", which replenished the client base with two million people. In turn, Heritage added eight hundred thousand more clients to the newly minted Gazfond. And thanks to the Promagrofond, more than two million people have been added. As a result, the total number within the association already exceeds six million clients, and the amount of pension savings is 425 billion rubles. The pension reserve of the united organization Gazfond is 16 million rubles.

According to the laws of succession

"Gazfond" in the order of succession continues to fulfill obligations to all clients of affiliated structures. Servicing contracts and agreements is carried out in all offices of the new unified network. At the same time, it is important to note that the reorganization does not involve renegotiation of contracts for mandatory pension insurance and non-state security.

What are the benefits for customers as a result of the merger?

The merger took place under a strong brand, which guaranteed investors additional confidence and reliability, confirming the correct choice of the fund to formfuture pension capital. The status, as well as the voice of the established fund, has become much stronger.

To date, the combined structure consolidates the experience, knowledge, skills and best practices for doing business of all four funds. Currently, the fund's experts conduct explanatory work among potential clients, develop and improve the financial literacy of the population. In addition, the new organization operates and develops within the framework of long-term financial planning and cooperation.

As a result of the merger, the infrastructure of the four funds expanded the geographic access to provide services and ensure the operation of services aimed at remote service.

It should be emphasized that the effectiveness of this pension organization is largely determined by the assembled dynamic, creative and diversified team of professionals, which is united by the desire for one goal - the increase in trusted funds. In addition, the activity of this pension fund is aimed at improving the quality of life of clients in the long term.

Reliability indicators of the Gazfond organization

Today, this fund is represented in most Russian districts. Gazfond, which also includes the Norilsk Nickel pension fund, has opened 55 offices throughout the country. Through the joint efforts of the team, a cash fund was created, which amounts to almost 500 billion rubles. Retirement savings (as well as reserves) are also quite impressive amounts,which once again confirm the reliability of the formed structure.

According to last year's data, the profitability of investing pension savings reaches 13%. In turn, the profitability of the accounts of the clients of this organization for compulsory insurance is 11%. As for the profitability of pension reserves, in this case we are talking about 10%. The indicator of non-state pension provision is 10% per annum, which is several times higher than inflation.

Fund Ratings

It is worth noting that the ratings of the Norilsk Nickel pension fund are the highest in terms of reliability, which is confirmed by leading national agencies:

• According to the ruAAA rating, the highest level of financial reliability was assigned.
• Outlook "Stable" was assigned by Expert RA.
• AAA rating, which means maximum reliability, was given by the National Rating Agency.

The Gazfond pension institution was awarded the Russian Financial Elite award in the nomination “Pension Fund Consolidation Project of the Year” in 2017.

Gazfond services

Gazfond, which also includes the Norilsk Nickel pension fund, operates in the financial market in the most promising area, and their activities are aimed exclusively at providing pensions to citizens.

The following activities can be distinguished:

• Implementation of non-state pension provision.
• Provision of early non-state pension provision.
• Compulsory pension insurance.

In addition to compulsory pension insurance, Gazfond (that is, the Norilsk Nickel pension fund too) provides its clients with individual savings plans. The proposed programs give people an additional opportunity to create their own savings through tax incentives and personal funds in order to maintain a high standard of living not only for themselves, but also for their loved ones in the future.

Advantages of an individual pension plan at Gazfond

Within this service, the following benefits can be distinguished:

• Clients of the non-state pension fund "Norilsk Nickel" as part of the "Gazfond" can independently form the target capital for the implementation of their long-term (both personal and family) plans on fairly flexible terms.
• State support, which makes it possible to increase the return on savings with the help of social tax deductions, returns 13% of the amount of pension contributions that do not exceed 120,000 rubles a year.
• The funds on the account of the non-state pension fund Norilsk Nickel as part of the Gazfond, along with investment income, are fully inherited both at the accumulation stage and during planned payments.
• Clients are guaranteed legal protection, under which funds from the pension account cannotbe imposed on the claims of third parties, and moreover, can not be seized - the savings are fully protected.

Customer Reviews

Feedback on the pension fund "Norilsk Nickel" as part of the "Gazfond", which come from clients - different. For example, many note that Gazprom is one of the founders of this organization as an advantage. A pretty serious company, isn't it?

In addition, many clients in their comments call this fund reliable and report that it provides good interest on contributions. Many people like the opportunity to receive free phone consultations.

The most advanced talk about the convenience of the fund's official website interface: it is simple and clear, so it is not difficult to manage your personal account of the Norilsk Nickel Pension Fund. In addition, customers like the attentiveness and responsiveness of employees.

What I don't like

Among the reviews of dissatisfied depositors there is information that representatives of this organization walk along the entrances of residential buildings in order to draw up false documents on the transfer of a personal pension account of a person to their fund. In addition, the excessive perseverance of employees in an effort to attract customers also does not suit many.

In general, people are satisfied with the activities of the Norilsk Nickel Pension Fund and often say that anyThe problem situation is solved by the employees quickly, the clients receive competent answers to all questions. In addition, depositors constantly receive new information about the status of their accounts. It is also worth noting that people in the reviews of the non-state pension fund Norilsk Nickel often positively assess the corporate ethics and high level of services of this fund.