To continue a comfortable existence after finishing your working career and retiring, a pension alone is not enough. Additional income is required, but not all people at this age are able to continue working. The solution to this problem is retirement planning. Sberbank offers an individual pension plan (abbreviated IPP), which helps to save a certain amount of money, which will be a good supplement to your pension.

What is an individual pension program?

What is an individual pension plan? This question arises among citizens who care about their future pension. In essence, it is a non-state Pension Fund, formed by a financial institution.

Sberbank has developed several types of plans. This is done so that every citizen can choose an acceptable pension program.

To participate in the program, you must complete the following steps:

• Sign an agreement with Sberbank on the transfer of the funded portion of savings to this financial institution. This certificate contains the payment schedule and the amount of deposited funds.
• The agreement specifies the deadline for Sberbank to transfer funds to the account of the non-state pension fund. The institution is obliged to adhere to deadlines to avoid sanctions.
• The money that a citizen contributes is invested in commercial projects. This allows you to increase the amount of contributions.
• When a citizen retires, he receives a cash increase to his basic payments. He receives savings in any acceptable way.

It is beneficial to transfer savings to Sberbank Non-State Pension Fund in the following cases:

• if a citizen receives a so-called black salary;
• if a person works for himself;
• if a citizen receives an income of more than 45,000 rubles, since the employer makes transfers to the Russian Pension Fund only up to 45,000 rubles.

In these cases, if the funded pension is transferred to Sberbank, then the increase in the future pension will be substantial.

Types of programs

Every citizen has the opportunity to choose the most appropriate product, since Sberbank has developed several pension projects:

• Universal plan at Sberbank. The citizen is awarded an additional pension, which is a non-state payment. The amount of payments is not set here. A person decides for himself how much to deposit into his account, but there is a limit on the first deposit, which should be 1,500 rubles, and minimum amount 500 rubles. The increase in cash payments occurs due to investments of a non-state pension fund of a financial institution. A citizen can deposit funds into a pension account at any time that is most convenient for him. The deposit is not divided during a divorce and cannot be issued to a third party.
• Guaranteed plan. Here, the amount of contributions to the account and the time of transfer of money depend on what kind of supplement a person wants to receive for his pension. Rates and interest are calculated individually. The size of the deposit increases due to investment. The first payment and subsequent payments are the same.
• Comprehensive pension increase program. The citizen transfers the funded part of the pension to Sberbank and a pension program is drawn up. As a result, savings payments and non-state pension provision are formed for future retirees. The first payment must be made in the amount of 1000 rubles, and subsequent payments are 50 rubles each.

How to receive payments?

Payments of pension savings for individuals carried out immediately after the citizen finishes his working activity, that is, retires. He has the right to receive monthly funds or receive the entire amount at one time. The frequency of payments differs from the state pension. A citizen receives funds once a quarter or once every six months. Payments are made to a person until the end of his life. If a citizen dies prematurely and does not have time to spend the money, then it is inherited by his closest relatives.

Where to apply?

There are several ways to sign up for an individual pension plan:

• When applying in person to any office of a financial institution located at the citizen’s place of residence.
• In the branches of the non-state pension fund of Sberbank. Such offices are not located in every city, so not all citizens are able to register a pension contribution in this way.
• Online through the website of Sberbank NPF. To do this, you will need Internet access and a plastic card.

The financial institution also provides mandatory pension insurance to clients, which protects their deposits.

An individual pension plan from Sberbank is a good opportunity to get an increase in your pension, but whether it is worth investing in the program is a decision that every citizen makes independently.

All citizens of Russia without exception have the constitutional right to an old-age pension. Its size, however, depends on many factors, primarily on the size wages. Despite the state guarantees, the average level of pension provision can hardly be called excessive even taking into account the significant income of the future pensioner, so the question of the adequacy of personal savings by the time of completion of working activity at least deserves consideration. One of the possible areas for investment in this case is participation in the Sberbank pension fund program for the formation of an additional non-state pension. Let's consider its features, the procedure for participation and other important points.

Main characteristics of the program

According to the law, the employer transfers 22% of the wage fund to the Pension Fund of Russia, of which 16% relates to the insurance pension, and 6% to the funded pension. Until 2014, every employee had the right to transfer the funded part of their pension to any non-state pension fund at their discretion in order to receive additional investment income. However, since 2014, the pension savings of Russians have been frozen by decision of the authorities, and they will remain in this state until at least 2020.

As an alternative, the pension division of Sberbank offers citizens to use their own funds to finance an individual pension plan that takes into account the desired level of income after retirement. To do this, you can use a special calculator on the fund’s website: www.npfsberbanka.ru/ipp. With its help, you can roughly calculate the amount of your future pension depending on your expected income, taking into account its inflationary growth, as well as the size of the monthly payment.

According to the rules of the program, the initial contribution must be at least 1,500 rubles, while additional investments can be made at any time at the client’s request in an amount of at least 500 rubles. The accumulated amount, including interest, is paid for 5 years or more from the date of retirement. This money is not subject to collection or seizure and during a divorce it is not divided between the former spouses. However, funds in a retirement account are inherited when the owner dies.

At the client’s request, the invested amount and accumulated interest can be returned before the due date. retirement age: in the first 2 years it will be possible to return only 80% of the funds deposited into the account, after 2-5 years - investments in full size and 50% of investment income, and after 5 years or more - the entire amount of payments and interest in full.

How to become a participant in the program?

A Russian citizen can take specific measures to plan a future pension from the age of 18 - this is the lower limit for submitting an application to the Sberbank pension fund. There are three options for an individual pension plan to choose from:

1. universal– initially, at least 1,500 rubles are paid, further payments are made depending on the client’s preferences in an amount of at least 500 rubles, the pension payment period is from 5 years;
2. guaranteed– the amounts of the initial and periodic contributions are equal and are fixed in the contract, the payment schedule and the size of the future pension, which will be paid for at least 10 years, are also determined in advance;
3. complex– management of the state funded pension is transferred to Sberbank NPF, the additional pension is accumulated in any order at the request of the client.

Online registration

Online registration is available only for the first option and is done as follows:

• First, you need to open the contract registration page on the NPF website: https://ipp.npfsb.ru;
• the applicant’s personal data must be entered into the application form and compliance with the program conditions must be confirmed;
• After paying the down payment, the agreement is sent electronically to the e-mail specified in the application - it is recommended to carefully check the correctness of the information contained in it, and if errors are found, immediately contact the NPF.

The other two types of pension plan can only be registered in person at the NPF office or at a Sberbank branch. To conclude an agreement with you, you need to have a passport, TIN number and bank card to make the first payment.

Replenishment methods

Subsequent replenishments of the pension account are carried out in any of the following ways:

• through the Sberbank Online system, including using Autopayment;
• by bank card on the NPF website;
• at any branch of Sberbank;
• transfer through the employer's accounting department.

The current status of pension savings is displayed in the personal account of the NPF client. A paper statement can be obtained free of charge - to do this, you need to submit an application to a Sberbank branch and provide identification, as well as indicate the number and date of the agreement. The statement is sent to the mailing address specified during registration in the program.

Pros and cons of the program

Like any other financial product, the pension offer from Sberbank has its advantages and disadvantages. The main advantage lies in the very essence of the program - the possibility of ensuring a relatively comfortable old age, taking into account the very low level of state pensions. Moreover, taking into account the long-term nature of such savings, the amount of contributions to achieve a significant increase in pension provision turns out to be very moderate even with a low level of income. A pleasant addition is the possibility of legally returning up to 15,600 rubles of personal income tax paid per year.

On the other hand, there is a lack of clarity on one of the key characteristics of such a program as a financial product – the annual interest rate. On the NPF website, the average yield for 2016 is stated at a satisfactory level of 9% per annum, and of course, no guarantee is provided that the rate will not change up or down. The long-term nature of the program is also to a certain extent a disadvantage - inflation and other risks can negate all savings or even lead to the loss of the money initially invested.

Summary

Sberbank’s individual pension plan is a convenient and flexible tool that allows you to form a future pension depending on your current financial capabilities. You can enter into an agreement to open a pension account at any time within your working age, and the most universal version of the program does not in any way limit the amount and frequency of additional contributions. Moreover, the funds paid can be returned in full after 5 years, taking into account all investment income. The profitability itself and its value, however, are not specifically defined and are not actually guaranteed. Thus, such a program seems to be the most effective over a planning horizon of 5-10 years, subject to periodic review of the amount of contributions depending on profitability and an assessment of its feasibility as a whole.

What is an individual pension plan?

An individual pension plan (IPP) is a savings program for a future pension, it is offered by non-state pension funds. Unlike compulsory insurance contributions, which are paid by the employer for employees at the expense of its own funds to the Pension Fund and are used to pay pensioners, citizens' contributions to such programs are paid on a voluntary basis.

It’s too early for me to think about it: I still have time to earn money for retirement...

The situation with state pension provision is becoming more and more complicated; as the number of pensioners grows, the state’s social obligations grow. IN last years The Government is especially actively discussing the idea of ​​increasing the retirement age. As a result, no one can say when and what kind of pension you will have, much less whether it will be enough to provide at least a minimum subsistence level. Moreover, the size of pension points, based on the number of which the Pension Fund calculates a pension, is tied not only to salary and length of service, but also to the current state of the economy. It is possible that you will have to take care of your pension yourself, and the sooner you start saving money, the greater the increase you can count on later.

How much should you save?

Individual pension plans allow a person with any income level to save. For example, the largest fund (the fund offers IPP in Sberbank branches) has a program where it is enough to make an initial contribution of 1,500 rubles, and then periodically (as the client wishes) replenish it by at least 500 rubles. For example, if you are 20-25 years old, then in order to receive a pension in the amount of 70% of your salary, it is enough to transfer 2-3% of your income to the IPP account every month, but at the age of 36-45 you will need to save 5-10%.

How much of a state pension increase can I expect?

You can calculate the approximate size of your pension yourself using a pension calculator. Most NPFs provide this service. For example, for a 35-year-old man whose salary is 55 thousand rubles and who monthly contributes only 1% of his income to the IPP account, the increase in the state pension can be about 5,400 rubles. The fund will make these payments for 10 years after retirement. If the same client paid 5% of wages per month, then the non-state pension would already amount to 27 thousand rubles.

Does the state give any benefits to those who save for retirement on their own?

Of course, for citizens saving for their retirement, a tax deduction is provided - 13% of the amount of contributions, no more than 120 thousand rubles per year. For example, if you deposited 120 thousand into your pension account during the year, then the tax service must return 15.6 thousand rubles to you. You can write an application to the employer’s accounting department to transfer contributions from your salary to the IPP, then the tax deduction will be provided automatically.

Or maybe it’s better to buy an apartment or save money in the bank?

To buy an apartment you need a large sum at once, but you can save for retirement gradually. In addition, when investing in housing, you may lose if prices fall. . When saving money in a bank account, you will have to regularly renew the deposit. The bank can extend it on other, less favorable terms. Non-state pension funds invest clients' money in stock market instruments - stocks and bonds. Their yield is significantly higher than that of deposits. The Central Bank and special depositories monitor compliance with investment rules. Clients themselves can view the investment structure of the funds on their websites. The effectiveness of the fund's investment policy can be indicated by its stable return above the inflation rate. Last year, more than half of the funds delivered returns above inflation.

Is it worth saving money for such a long time, given the constant economic crises?

No one is immune from global economic shocks, but, as financiers advise, it is better to meet them with some kind of savings, a safety cushion. Those who invested in non-state pension funds 15-20 years ago are already receiving an increase in their state pension. According to the Central Bank, there are about 1.5 million people, and those who voluntarily save for their future pension are already more than 5.7 million.

What are the guarantees that I will get this money back?

Unlike pension savings funds, which are insured by the DIA, voluntary pension contributions do not have guarantees from the state. Therefore, you should choose a non-state pension fund based not only on its profitability, but also on its reliability. In particular, it is worth paying attention to who is its owner, how transparent its investment policy is, what reputation the fund has in the pension market, how long it has been operating, whether there is a fund branch in your city and whether online services are available.

In addition, you should carefully consider the terms of the IPP agreement itself. For example, does it provide for the possibility of early withdrawal of pension contributions and received investment income. For example, standard pension plans provide that the client can withdraw the money after two years, plus half of the income received from the investment. And five years after concluding the contract, in addition to contributions, he will be returned 100% of the income earned. Before retirement, the NPF client has the right to withdraw the entire amount accumulated in his account.

Who gets the money in the event of a client's death or divorce? According to the law, the fund is obliged to return 100% of the invested funds and the received investment income to the relatives of the owner of the individual pension plan, in contrast to the same insurance pension, to which the heirs have no rights in the event of the death of the pensioner. Also, the remainder is not inherited funded pension

, which is assigned as part of compulsory pension insurance if the pensioner has applied for and received at least one pension. Another situation is if, for example, the owner of an individual pension plan divorces his spouse. In this case, when dividing property, he will not be able to claim your pension money. By law, accumulated amounts and investment income are not included in joint property. In contrast to the same bank deposits or money in a brokerage account, part of which the ex-spouse can demand through the court. Transfer of the accumulative part labor pension in Sberbank NPF, this is an opportunity to increase your future pension without additional investments. By paying wages monthly, the employer, in accordance with the procedure established by law, contributes to the Pension Fund

Russian Federation

1. Insurance part Labor pension is a monthly payment that is assigned upon reaching a certain age to all citizens who have the required work experience. The insurance part of the pension is what the state guarantees.

2. The funded part, the size of which depends on earnings within the limits established by law (568 thousand rubles in 2012) and investment income. The funded part is calculated based on the amount of pension savings at the start of payments.

You can receive pension savings no earlier than retirement age in a lump sum (if the savings are small), or in the form of a pension for life, or for a certain period, but not less than 10 years. Pension savings are inherited by contract or by law. Legal successors must apply for payment of pension savings no later than 6 months from the date of death of the insured person.

By default, citizens’ pension savings are located in the Pension Fund of the Russian Federation (PFR), and Vnesheconombank manages these funds. His key task is to preserve the funds entrusted to him. You have the right to manage your savings part pensions! The accumulated profitability of Sberbank NPF for 4 years (2009 - 2012) amounted to 52.03%. For comparison: the inflation rate for the same period was 33.88% - the results of profitability for past periods do not guarantee the profitability of future periods. The state does not guarantee the profitability of placing pension reserves and investing pension savings. Carefully read the Fund's Charter, its pension and insurance rules before concluding a pension agreement and transferring pension savings to the Fund.

Statement of the individual personal account:

Since 2013, the Pension Fund of the Russian Federation (PFR) has stopped sending information to citizens of the Russian Federation in the form of annual letters about the status of an individual personal account (IPA). A convenient and modern replacement for letters from the Pension Fund of Russia can be obtaining an extract on the status of the personal information system from banking institutions with which the Pension Fund of Russia has entered into a corresponding agreement.

An extract on the state of your pension savings can now be obtained by first registering in the information exchange system with the Pension Fund:

-in any branch of Sberbank of Russia PJSC -in the Sberbank Online system -in Sberbank terminals and ATMs

Service cost

-Through self-service devices and bank ATMs - free of charge -Through structural divisions of Sberbank of Russia PJSC: upon first request within a calendar year - free of charge; for the second and subsequent requests within a calendar year - 100 rubles.

Individual pension plans

Provide yourself with a “second” non-state pension using your own accumulated funds. Individual pension plans based on non-state pension agreements are programs for those who want to receive a non-state pension in addition to the state one. This is an additional guarantee of maintaining the quality of your life and the life of your loved ones after the end of your working period. An individual pension plan allows you to independently determine the size of your future pension.

Sberbank NPF offers individual pension plans (IPP): to those whose earnings exceed the maximum amount (568 thousand rubles/year), from which the employer pays insurance premiums;

-specialists conducting private practice without obtaining a work book (designers, architects, IT specialists, etc.);

-representatives of small businesses whose contributions to the Mandatory Pension Insurance system are insufficient to create minimal social guarantees or are absent altogether;
-those who want and have the opportunity to provide a comfortable future for their family and friends;

- everyone who cannot count on a state pension for various reasons.

-The basis of the IPP is a non-state pension provision (NPO) agreement with Sberbank NPF;

How to create an IPP for yourself and your loved ones

Sberbank NPF is among the TOP 10 largest non-state funds in Russia and has been operating in the pension market since 1995. The total contribution of the founders is 620 million rubles, pension assets are about 50 billion rubles, clients of Sberbank NPF are more than 1.5 million people . Founder, Sberbank of Russia PJSC is one of the most reliable and largest Banks in Russia.

The state-guaranteed pension for many Russians is only enough to pay for housing and communal services and the minimum grocery set. And for everything else (medicines, clothes, travel) you have to earn money yourself.

And today it’s worth thinking about where the funded part of each of us’s pensions will go tomorrow...

In this article we will talk about one of the simplest and most reliable ways to ensure a decent old age - the Sberbank Non-State Pension Fund.

The Sberbank non-state pension fund was officially registered on March 17, 1995, 2.5 years after the publication of the Decree of the President of the Russian Federation “On non-state pension funds”.

Sberbank NPF is an open-type pension fund and offers its clients a large selection of individual and corporate pension programs, including state program co-financing.

Over the years of its work, Sberbank Non-State Pension Fund has received a number of prestigious prizes and awards. For example, in 2014, the Fund was awarded the “Financial Elite of Russia” award in the “Grand Prix: Non-State Pension Fund of the Year” category.

In addition, the NPF of the largest bank in Russia can quite deservedly boast of high ratings.

In August 2013, the NRA once again confirmed the maximum reliability of the Fund, assigning it an individual reliability rating of the “AAA” category. And in September of the same year, the Expert RA Rating Agency confirmed the company with an “exceptionally high reliability rating” (“A++”).

Investment policy of Sberbank NPF

Sberbank NPF adheres to a “cautious” investment strategy with optimal ratio“profitability – reliability”.

Let's consider the approximate structure of the investment portfolio of pension savings of Sberbank NPF (as of April 2014).

More than a third of all investor funds (37.2%) were invested in the banking sector, 11.4% were directed to the financial sector, 11.2% to government debt obligations, 6.9% to the fuel industry. The balance of pension savings is distributed among several promising sectors of the Russian economy: energy, mining, transport, telecommunications and others.

As for financial instruments, in this matter too, preference is given, first of all, to the reliability and liquidity of assets.

59% of pension savings of Sberbank NPF are invested in corporate bonds, 15% are placed on deposits, 10% of funds are spent on the purchase of subfederal/municipal bonds and federal loan bonds, and only 4% are placed in company shares.

Investment of pension savings of Sberbank NPF is carried out through management companies: Kapital, Pension Savings, Region EsM and TKB BNP Paribas Investment Partners (by the way, VTB24 bank also works with the same management company).

Now a few words about the profitability of Sberbank NPF. To complete the picture, experts recommend assessing this indicator for at least the last five years.

So, from 2008 to 2013, every 1,000 rubles of pension savings managed by Sberbank NPF “grew” to 1,635 rubles. At the same time, 2009 turned out to be the most “profitable” year - the Fund’s return for this period amounted to 30.02%. But last year the same figure decreased to 6.72%.

Below we will dwell in more detail on the most interesting offer from Sberbank NPF - individual pension plans.

Benefits of PPI

An individual pension plan is not at all a replacement for the usual state pension, as many Russians mistakenly think. This is simply an “additional payment” to the basic pension, the amount of which the future pensioner forms independently with the help of Sberbank Non-State Pension Fund.

Advantages of IPP:

Profitable

The IPP gives the investor the right to take advantage of the social tax deduction. In addition, all your pension savings can be bequeathed to your heirs.

The profitability of individual pension plans allows you to cover inflation. In Sberbank NPF during 2000-2011. this figure was 319%, which is 23% higher than accumulated inflation over the same period.

Comfortable

You can go through the full procedure for registering an IPP at the nearest branch of Sberbank, where you can then receive your accumulated pension.

The investor can pay pension contributions either at a Sberbank branch (without commission) or through his employer. You can also issue a bank order once, after which contributions will be automatically transferred directly from the depositor’s account.

You can find out your account status at any time in your “Personal Account” on the Sberbank NPF website; the service is provided free of charge.

Just

To “connect” to the IPP, you just need to sign an NGO agreement with the Non-State Pension Fund of Sberbank.

During the entire period of validity of the agreement, the client will receive annual information about the results of the fund’s activities, including its profitability.

How does an individual pension plan work?

Regularly paid contributions to the Sberbank Non-State Pension Fund are invested in securities in order to obtain investment income.

From the moment of reaching retirement age, the client is paid a monthly “earned” non-state pension. Its size depends on the chosen scheme:

With defined contribution

Contributions under this scheme must be paid either once when registering an individual investment project (if the accumulation period is less than two years), or in several stages in a random order.

The amount of the initial pension contribution is set at the request of the investor, but cannot be less than 60,000 rubles (if the accumulation period is less than two years) or 1,500 rubles for all other periods. Each subsequent contribution must be greater than or equal to 1,500 rubles.

As for the size of the future monthly pension, it depends on the amount of accumulated funds and the performance of the fund. By the way, under this scheme, pensions must be paid by the Fund for at least seven years.

You can open a non-state pension agreement in favor of a third party or “redirect” the pension payment to your surviving spouse.

With a fixed payment amount

In this case, contributions will need to be made monthly, quarterly or one-time. The size of the contribution depends on the future size of the pension (set by the investor independently) or on the selected pension scheme.

In accordance with the terms of the agreement, the pension to the investor is paid for 10 or 15 years, or for life.

Accumulated pension funds are either not inherited at all, or are inherited partially/fully. We recommend discussing this delicate moment with a bank employee at the stage of signing an agreement with the NPF.

The pension “earned” in this way can be received upon reaching the pension grounds (for example, retirement age). Money is transferred monthly to a card or Sberbank deposit account; if you wish, you can open an account in any other bank.

Specific numbers

What kind of pension can you expect by signing an agreement with Sberbank NPF?

Let's use the pension calculator (on the Sberbank NPF website). Let's assume that a 40-year-old woman who has been working since 1997 earns 20,000 rubles a month. They decided to conclude a non-state pension agreement with NPF Sberbank with an initial contribution of 60,000 rubles and a monthly replenishment of 500 rubles.

With these initial data, her total pension will be 14,745 rubles. Moreover, non-state pension provision will “bring” 2,773 rubles, and the funded part will give another 4,586 rubles.

In total, by the time a woman retires, an amount of 1,448,760 rubles will be accumulated in her account.

What to look for when choosing a non-state pension fund?

Firstly, do not be deluded by the high profitability of NPFs for a certain period (a year or two). The fund's performance must be assessed over the entire period of its existence.

And be sure to check whether the numbers on the official NPF website coincide with the numbers on the Pension Fund website or the pages of independent rating organizations.

Secondly, pay attention to the period of operation of the NPF. To minimize your risks, you should choose funds that have already successfully “survived” more than one financial crisis.

Thirdly, an “outside view” will help to objectively evaluate a particular Non-State Pension Fund. Try to find out whether the selected NPF has appeared in high-profile court cases, study customer reviews on independent resources, evaluate the Fund’s position in various ratings and rankings.