Today it remains to be understood what the Lukoil Pension Fund is. Choosing a place to form the funded part of the pension is not so simple in Russia. Therefore, you have to study the numerous reviews of each NPF in the country. So what about Lukoil? Is it worth investing your retirement savings here? What are the pros and cons of customers seeing in collaboration with the 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.
No more specific services are offered. It pleases the population. Indeed, one can apply to Lukoil-Garant for the formation of pension savings. And to increase the money set aside for old age. But is it worth it? What can be said in general about this company? What advantages and disadvantages does it have?
Rating
For example, every citizen should pay attention to the fact that the Lukoil Pension Fund has good positions among non-state pension funds in the country. This organization is in the top ten. Most often, it is indicated that Lukoil-Garant takes 4-5th place in the rating of NPFs in Russia.
This feature attracts new customers. After all, there is every reason to believe that the organization is conscientious. There are so many non-state pension funds in Russia. And only the best organizations fall into the top ten. High interest and trust of people appears in them.
Profitability
What else stands out Lukoil-Garant? 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 small. But, as investors say, this increase is offered on an ongoing basis. Slightly, but pension savings can still be increased slightly. If you want to choose NPFs with high profitability, Lukoil-Garant is better not to consider it as an option. This corporation offers a small but guaranteed income from the accumulations available in the fund. This is enough for some.
Reliability
Lukoil Pension Fund receives positive reviews for its reliability. The thing is that the company has a good level of public confidence. To date, the reliability rating is held at A ++. This indicator is deciphered as "The highest level of reliability." Accordingly, many talk about the high sustainability of the organization.
Thanks to this indicator, people believe that Lukoil-Garant will not have its license revoked suddenly. You can entrust your pension savings to the company without any particular danger. After all, they will be paid when the time comes. It is impossible to lose a contribution to Lukoil. Stability and safety - this is what is offered to all investors of this non-state pension fund.
Communication with customers
The NPF Lukoil receives very mixed reviews for contacting employees with employees. Some emphasize that it is in this organization that one can meet with an attentive attitude and receive answers to all questions without much difficulty. Workers treat everyone with respect, respect, and try to give everyone due attention.
However, some reviews contradict positive comments. It is indicated that unprofessional personnel work in Lukoil. They simply lure customers to themselves, but withheld important information about cooperation. Some workers cannot answer a number of simple questions.
What to believe? Rather, it’s better to be neutral. The thing is that the Lukoil Pension Fund receives diverse opinions. The organization is distributed throughout the country, in each branch there are different employees. Therefore, in some regions it is indeed possible to encounter not the best workers. No one is safe from this. Nevertheless, Lukoil is trying to quickly rectify the situation, getting rid of unprofessional personnel and apologizing to its visitors.
Deceivers or not?
Some accuse NPFs of fraud. And there are a lot of such opinions. All this is due to the fact that people suddenly discover their funded parts of pensions at Lukoil. But it is noted that the person did not sign any contracts personally. 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 the established legislation. Surprises with the discovery of pension savings in the studied company are found mainly in 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 employer should notify about it. A non-state pension fund does not assume this responsibility. Therefore, you should not blame the organization for fraud.
About Payments
The last nuance that customers pay attention to is the payment of pension savings. In this area, the Lukoil Pension Fund is not receiving the best reviews. Rather, they are ambiguous.
Some say that pension payments occur on time and without any negative aspects. And someone says the opposite. Moreover, there are more negative opinions than positive ones. The population says that pension payments are delayed. In some cases, you have to repeatedly ask the organization to make transfers.
Draw conclusions
What conclusions can be drawn from the foregoing? 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 stable, albeit low profitability, as well as the reliability and security of pension savings.
This company has problems with payments. But they cannot be avoided 100%. Accusing Lukoil-Garant of dishonesty is not worth it because of delays in payments.