The new pension model has been operating in our country since 2002. Its basic principle is insurance. That is, the size of pension payments depends not only on the contributions accumulated in the account of the future pensioner, but also on how the state or non-state pension fund (NPF) will manage the funded part of the pension. What stands out among the others NPF "Rosgosstrakh"?
Official information
Rosgosstrakh (RGS) has been operating in the insurance market since 1992. The company was created on the basis of "Gosstrakh" of the RSFSR, which has been operating since 1921. Today Rosgosstrakh is one of the largest insurers in Russia.
The company has its own private pension fund. Thousands and thousands of clients trust him a priori: the investments will not only be safely stored, but also significantly increased. And in case of unforeseen death of the insured person, accumulations are transferred to the account of the successor.
The contract with Rosgosstrakh is very transparent. Work with a client begins after signing an agreement and transferring the funded part of the pension to Rosgosstrakh.
Pension Plan Insurance Program
It is structured so that in addition to monthly contributions from the employer, it is possible to make the agreed amount yourself. Moreover, under the terms of the program, neither the amount of contributions, nor their amount during the year is unlimited. Thus, upon retirement, the insured, in addition to the payment guaranteed by the state, will receive an additional 2,000 rubles. And even in this case there is a choice: the funded pension from Rosgosstrakh can be paid both for life and in equal installments, for example, for ten years.
There is no reason to doubt
It really is. It is not the first year that SK has been a leader in the NPF rating. And for quite some time he has been in the top five.
The authorized capital of the company is more than 165 billion rubles, and the number of insured has exceeded 3 million people. There are more than 3,500 branches in the country.
Now profitability. Over the entire period, it exceeds 85%. And the average annual profitability ranges from 8-10%.
Naturally, the funded pension at Rosgosstrakh will depend on the reliability of non-state pension funds. That is, the more profitable the company invests, the more profit will be earned, and the more benefits customers get. Rosgosstrakh allocates its capital as follows:
- bank deposits - more than 50%;
- bonds of business companies - about 25%;
- bank accounts - 22%;
- government securities and shares of business entities - just over 1%.
In addition, the activities of the NPFs of this insurance company are regulated by the Central Bank of the Russian Federation and the Tax Inspectorate, and all savings are insured by the DIA. Therefore, a pension at Rosgosstrakh is a very profitable investment.
How to transfer a pension to Rosgosstrakh
Really simple. We appeal to the nearest branch of the company. Further:
- We sign a pension insurance agreement (OPS).
- We are writing an application for transferring a funded pension to Rosgosstrakh in electronic format with a mandatory digital signature (for transferring a document through a channel with enhanced protection).
- We assure a personal signature in any notary's office or the nearest branch of the Pension Fund of the Russian Federation.
- We receive an SMS message and inform its operator.
We are waiting for the test call from the consultant of the RGS NPF and confirm the fact of the actual conclusion of the agreement on the transfer of the funded pension to Rosgosstrakh.
Required documents
To transfer the funded part of the pension to Rosgosstrakh, the following documents are attached to the application:
- Passport, or other identity document.
- SNILS.
Personal Area
For the convenience of customers, a service has been created on the company's official website that makes it possible to learn about new services, accrued amounts, assigned interest, etc.
Registration in your account goes through the opening of the service. To do this, you must fill out an application form at any UK office.
Post scriptum
Despite the high profitability and control over the activities of the UK by the state, and even the possibility of appointing a successor, this NPF has some disadvantages.
Most reviews of the funded pension at Rosgosstrakh and its other services speak of the often incorrect work of its employees, which naturally causes distrust and even some rejection.
Plus, feedback is often found in which people complain about the lack of information about the company itself and its insurance programs, about the absence of any kind of explanatory work among the population and advertising policy. Therefore, the general population is simply unfamiliar with the RGS funded pension program.