How to go to a non-state pension fund

Everyone early or later there are thoughts on how to ensure "carefree" old age. We have been working all our lives and deduct the contributions to the "Casna" of the state to subsequently receive a stable income. But what if the size of the pension does not suit, or is there a desire to accumulate the amount in another equivalent? Then you need to pay attention to commercial structures, while it is necessary to weigh all the "pros" and "minuses" of a similar solution. A detailed procedure for switching to a non-state pension fund (NPF) will consider in this article.

1

Foundation selection

So, you have decided on what you want to go to a private pension institution. Now your main and perhaps the most difficult task is to choose the desired fund. To date, the market of such a spectrum of services is quite extensive, so when searching for the NPF, it is worth paying attention to the following nuances:

1. Reliability level, referring to feedback and ratings of rating companies;
2. Number of insured people in NPF;
3. Spectrum of the organization, its validity and constituent composition;
4. Level of profitability of pension funds;
5. Availability and convenience of service (view and capital management through an online portal, SMS mailing, favorable promotional offers, etc.).

In addition, you must consider such moments:

1. Advantages Similar structure:
   • individual approach to each participant;
   • multiplication of accumulated funds;
   • personal ownership of all pension capital.
2. Flaws NPF:
   • lack of a complete security guarantee of social benefits;
   • contributions and receiving money only in rubles;
   • quarterly or monthly retirement payment system;
   • the need to pay tax from the entire amount of savings when reached retirement age.

The list of non-state pension institutions officially carrying out their activities can be seen on the site of the PF of Russia.

2

Conclusion of the Treaty

To make the procedure under consideration, you should contact the selected fund with such documents:

• the original passport;
• copy of the identification code;
• certificate of Pension Insurance (Origal).

Before signing the document, carefully read all its terms. If at this stage you have any doubts, it is better to postpone and consult an experienced lawyer.

Reference: Many commercial structures of this plan provide the opportunity to leave the application for their customers in remote mode. For example, for registration in Khanty-Mansiysk NPF You just need to fill out the proposed form on the site. The authorized employee is then associated with you and clarifies all the details of the "transactions".

Download from us on the portal:

1. Approximate sample contract between the insurer and NPF;
2. Approximate sample of filling out the contract between the insurer and NPF;
3. Sample Filling NPF Customer.

3

Primary requirements

At the legislative level, a prerequisite is put forward for the transition to NPF. It is necessary until the end of this year to apply, where the appropriate decision is indicated, as well as the name of the institution with which you plan to cooperate. The document can be sent personally to the employee of the Pension Fund of your city, by registered mail or by the help of the courier.

The main concepts and guarantees for the placement of funds in the NPF are regulated Law of the Russian Federation "On Non-State Pension Funds".

Download from us on the portal:

• Approximate sample application in the transition from state-owned non-state PF;
• Approximate sample of filling out an application for the transition from state in non-state PF;
• Exemplary application sample when moving from one NPF to another NPF;
• Approximate sample of filling out an application for transition from one NPF to another NPF;
• 
  Approximate sample when switching to non-state pension fund.

4

How it works

Now that the entire "paper of paper" on re-registration is completed, you become a full member of the commercial accumulation institution. Your enterprise makes mandatory insurance premiums, which can also be increased by independent investments. Upon reaching a certain age, you are entitled to claim the amount of pensions, setting out your request for payment in the application. In addition, there is always the opportunity to change and register with another private institution or the State Pension Fund, having previously notified the territorial authority.

Do not forget to download:

1. Approximate sample application for a one-time payment of pension funds with NPF;
2. Approximate sample of filling out an application for a one-time payment of pension savings;
3. Approximate sample application for changing personal data in a contract with NPF;
4. Filled sample questionnaire about changing personal data in a contract with NPF;
5. Approximate sample application for issuing inherited amount with NPF;
6. Approximate sample application for the choice of the investment portfolio in the NPF;
7. Sample Act on the transfer of pension savings in NPF.

The transition to the NPF is very simple. It is much more difficult to find a reliable organization that is profitable to cooperate. But before taking such a responsible step, think about your decision. And remember that the size of the pension depends only on you!