NPF UMMC Perspective JSC was established in 2001. Fifteen enterprises of the Ural Mining and Metallurgical Company acted as initiators of the nonprofit organization .
About the Fund
The largest industrial enterprises managed to combine their efforts in the implementation of the project of NPF UMMC Perspective. Their goal was to build a reliable and stable non-state fund. He had to generate additional pension savings, provide insurance and professional benefits.
In 2002, the structure received a license No. 378 from the NPF Inspectorate for its activities. A corresponding document in 2004 was issued by the Federal Service for Financial Markets. In 2015, data on the organization appeared in the Unified State Register of Legal Entities.
Geography
NPF UMMC Perspective operates in the Sverdlovsk and Orenburg regions, as well as in the Republic of Bashkortostan. Representative offices can be found in the following cities: Verkhnyaya Pyshma, Yekaterinburg, Revda, Serov, Krasnoturinsk, Krasnouralsk, Sukhoi Log, Rezh, Verkh-Neyvinsk, Kirovgrad, Orenburg, Mednogorsk, Gai, Vladikavkaz, Tomsk, Kirov, Sibay and others.
Personal funds
In order to understand how NPF UMMC Perspectiva works, one should know that in Russia at the moment there are two types of collateral - voluntary and compulsory. In this case, we are interested in the first option. Voluntary pension support complements the state. It is implemented through the conclusion of an agreement with NPFs.
UMMC Perspective refers to these organizations. The purpose of voluntary retirement benefits is to maintain financial well-being. Cooperation with the fund involves the regular transfer of contributions over a specified time, as well as their growth, secured by income from investment activities.
KPO
NPF UMMC Perspective provides corporate retirement benefits. The organization implements a set of measures that allows for effective personnel and financial management, tax optimization, and social policy. The program is developed for a specific enterprise, based on the pension provision of employees.
The principle of individual accumulation is valid, acting through contributions to the account of a particular person. A similar translation can be made by an organization. An individual employee, or any individual, is capable of increasing pension savings in this way. Payments are accrued after contacting the client’s organization.
Moreover, in advance, he must receive the right to state pension. The principle of joint accumulation applies to legal entities. The contribution is made to a group of persons, and not to a specific person. There is no personification of the contribution. An organization that contributes to its group informs each employee of the duration of the pension, as well as the amount.
The principle of parity accumulation is also applicable to legal entities. In this case, the financing of the future pension is carried out jointly by the employees and the organization. The implementation of contributions is personified. Thus, for each employee who has concluded an agreement on a parity program, the organization makes a contribution proportional to the contribution of the employee.
The exact parity coefficient is set based on the provisions of the pension plan of an individual organization. Any employee of the enterprise or a group of employees can use this program. Financing is made from contributions that are made in accordance with a private pension agreement.
Transfers can be made to a registered or joint account. Pension contributions can be made according to pre-established amounts. Payments can be made continuously, until the retirement. An urgent model of cooperation is also provided. In this case, payments can be made within the agreed period of 3 to 20 years.
KPO is a particularly effective accumulation tool for the category of “young” employees. Cooperation with the fund can significantly increase the pension level of each employee of the enterprise. The enterprise has the opportunity to use the fund program as a tool for additional motivation of employees.
Cooperation with the fund does not require additional insurance premiums. A corporate pension program is developed individually for each of the companies, taking into account wishes and requests.
Reviews
You already know how NPF UMMC Perspective works. The reviews indicate that the fund informs its clients about the interest that will be added to their pension at a certain point in time. In the comments there are complaints that the site is difficult to find the entrance to your personal account. Also, according to the testimony of users on the site, other failures occur.