Today we have to find out what “Lukoil-Garant” (non-state pension fund) actually represents . Reviews, rating, profitability and other important indicators - all this will be discussed later. In fact, it is on all these points that we can conclude that the company is in good faith. After all, maintaining retirement savings is an extremely important issue. And every citizen should be interested in him. What terms of cooperation does Lukoil-Garant offer ? Are customers satisfied with the service here? What are the pros and cons to pay attention in the first place?
About the direction of activity
So, the first caveat is what the organization does. NPF Lukoil-Garant is, as already mentioned, a non - state pension fund . It offers the population pension insurance services. It helps not only to save, but also to slightly increase the accumulation.
Due to contributions to the company, an accumulative pension is formed. Lukoil-Garant does nothing more. That is, pension insurance of the population is its only area of activity. And it pleases. Transparent activity, no shadow politics. Everyone knows when and under what circumstances you can contact here.
Prevalence
Many pay attention to the size of the corporation. It's no secret that in Russia there are a lot of private pension funds. And most of them either close on their own, or the Central Bank takes away their licenses. Should you be afraid of this with the company under study?
Not at all. Lukoil-Garant addresses are diverse throughout the country. In other words, the company has been operating for a long time, and by no means in one city in Russia. This is one of the largest non-state pension funds. In each region of the country there is at least one branch of the organization.
Lukoil-Garant has been operating since 1994. And since that time, he has been carrying out his activities with particular success. The head office is located in Moscow, on the street. Gilyarovskogo, d. 39, p. 3. Reception of clients is carried out at a different address: 11 Timur Frunze Street, building 13. It is through these contacts that the population can contact to resolve global issues regarding cooperation.
The scale of the organization is clear. They inspire confidence. There is every reason to believe that NPF Lukoil-Garant is not a scam. After all, the organization is heard throughout the country, it has been working for 22 years. But is it worth investing your money here? What other points should be considered before the final decision?
Rating
For example, the role of the fund in the overall All-Russian rating of NPFs plays an important role. As a rule, the closer a company is to leading positions, the more reliable it is.
Lukoil-Garant rating is very high. According to statistics, the organization is among the top 10 non-state pension funds. Some sources indicate that NPFs are closer to leading positions. Somewhere you can find information that this corporation is approaching 10th place in the ranking.
In any case , Lukoil-Garant does not fall below the indicated positions . As a rule, it is most often found in 5-7th places of the All-Russian rating of non-state pension funds. So, there is every reason to take a closer look at the company.
Public confidence
Lukoil-Garant (private pension fund) receives positive reviews for its level of trust. Or as it is also called, trust. It indicates how much citizens trust the company.
To date, Lukoil-Garant has the highest trust. However, like all the other 9 leaders of NPFs. It indicates that trust is at A ++. Or how else can you meet, on AAA. The interpretation of this indicator is “Highest Confidence”.
Clients indicate that the non-state pension fund under study has been operating in the country for a long time. And quite successfully. And it inspires confidence and calm. There will be no sudden license recalls. And taking into account the organization’s location among the 10 best private pension funds of the country, you can look at it as a place of storage and formation of pension savings.
Profitability
The next nuance is profitability. Some citizens put in the first place not the importance of maintaining savings, but the need to increase them. Therefore, the return on cooperation plays an important role.
In this area , Lukoil-Garant (a non-state pension fund) reviews are mixed. The thing is that the promises of the leaders of the organization and the real profitability are different from each other. In the first case, a return of about 13-15% per annum is proposed. But in reality it turns out to see only 7-8%.
Due to such discrepancies, some customers feel cheated and accuse Lukoil-Garant of dishonesty. This is actually normal. The studied pension fund does not deceive anyone. Low returns are due to the most common inflation. It is because of it that together 15% of citizens get 8.
Lukoil-Garant (non-governmental pension fund) still receives feedback as an organization that really helps to increase pension savings. Not too strong, but the return is still there. And this factor must be taken into account. As well as the fact that the yield will be no more than 8% here. The probability of its increase is, but 7-8%, as already mentioned, is a guarantee of the return on cooperation.
About service
An important point is also the quality of service. This is not the main evaluation criterion, but many customers pay attention to it. What does Lukoil-Garant offer ? "Personal account" for individuals! More precisely, an Internet service that serves as an additional opportunity to serve the population. The presence of this component pleases potential investors. Without difficulty, you can manage your account via the Internet and receive statements of available funds. And it pleases.
But at the same time , Lukoil-Garant did not fully implement the Personal Account for individuals. That is, the service works with some failures. They often deliver troubles to customers - ordered extracts are formed and sent for a long time. Or as some say, it’s not possible to go through authorization in the system at all. The rest is no complaints.
Service directly at the offices also receives mixed opinions. On the one hand, the organization is trying to give everyone due attention. Employees answer all questions asked, explain the terms of the contract. On the other hand, the speed of service leaves much to be desired. Perhaps this is the only significant drawback emphasized by customers.
About Payments and Losses
Lukoil-Garant (non-governmental pension fund) receives various reviews . Some claims are expressed by the population regarding the payment of pension savings. You can also notice dissatisfaction with those who decided to transfer their funds to another NPF.
The thing is that when the contract is terminated, citizens suffer serious monetary losses. This is quite normal. That is why it is recommended to think carefully about cooperation with the organization. However, all the conditions regarding the termination of a previously concluded agreement are prescribed in the contract. They will be introduced to them before the start of cooperation. And big losses should not come as a surprise.
With payments, everything is also not as good as we would like. Pensions are paid in full, but often with delays. This is indicated by many customers. This phenomenon should not be scary. Lukoil-Garant is not a fraud, this fund does not appropriate other people's money.
conclusions
What conclusions can be drawn? Lukoil-Garant (non-governmental pension fund) receives various reviews. There are both good and bad. But in general, this is a very worthy organization, which you can trust your retirement savings. Many indicate that this is a very good place to maintain a pension.
But for multiplication - no. Profitability, as already mentioned, is not too high for this non-state pension fund. Nevertheless, it is available. In any case, if you want to use pension insurance from a reliable organization, you can consider Lukoil-Garant.