NPF Sberbank individual pension plan universal. Sberbank individual pension plan: how to calculate profitability

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 NPF 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, as well as a minimum amount of 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 are carried out immediately after a 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.

14% of Russians count on personal savings in retirement age, showed. Currently, only 3% save for old age. One way to create such savings is through individual pension plans. Will they help ensure a comfortable old age?

How the plan works

An individual pension plan can be registered with several large non-state pension funds. The scheme is quite simple: deposit funds into the account - the fund invests them - you receive a non-state pension taking into account investment income. The size of the initial contribution for funds is different: in Sberbank NPF, for example, it is 1,500 rubles, in NPF Future - 1,000 rubles, in NPF Safmar - 30 thousand rubles.

It is worth paying attention to the conditions for early termination of the contract. As a rule, you must invest in most funds for at least five years to receive 100% of your premiums paid and investment income. In NPF "Future", for example, if the contract is terminated earlier than three years after conclusion, 80% of the paid contributions are returned. You also need to take into account that funds may charge a commission: for example, NPF Safmar has an administrative fee (3% of each contribution) and an insurance fee (1% of each contribution).

Among the advantages of individual pension plans is the opportunity to receive additional income through social tax deductions. It is 13% of the contributions paid per year (but not more than 120,000 rubles per year).

“In the West, such programs are usually divided into two types - with defined contributions and defined payments,” said Vadim Loginov, director of strategic development at Alfa Capital Management Company.

They have not taken root in Russia; mostly programs with arbitrary contribution schedules are offered.”

Although in some funds you can, for example, set up a monthly automatic transfer of money from your salary through the accounting department.

“If you have unstable income, choose a plan with flexible contributions,” advises Natalya Smirnova, general director of the Personal Advisor company.

If you do not want and do not know how to manage your capital after the start of payments, choose a lifetime payment in order to have income for life without having to figure out on your own where and what to invest, how much you can afford to withdraw, and so on. NPF will do all this for you.”

Almost half of pension savings were invested in corporate bonds, while over the nine months of 2016, the increase in investments in debt securities amounted to 11.8% per annum. Sberbank NPF confirmed that in 2016 the fund increased the share of investments of pension reserves in bonds to 89%. The fund also invests in deposits (6% share).

According to the Central Bank, the profitability of placing pension reserve funds in the NPF of Sberbank for the nine months of 2016 amounted to 11.02%. In NPF "Safmar" - 7.2%. Dmitry Chernomorsky said that in 2015, 17% was credited to the accounts of clients of NPF Gazfond Pension Savings for non-state pension provision, and in 2016 - 10.47%. Cm

Plan, deposit or investment account?

According to experts, individual pension plans do not have any special advantages over other tools that allow you to save for retirement on your own. But there are risks. According to Natalya Smirnova, you cannot influence the investment strategy of a non-state pension fund and change it to suit market conditions. In addition, plans can only be formed in rubles. “In the context of unclear prospects for state pensions, the prospects for non-state pension funds are not entirely clear,” she reminds.

Until 2014, the employer transferred pension funds to two accounts: insurance and savings. According to the new rules, 22% of wages now turns into points, and past savings are “frozen”.

It is important to take care of your future today so that retirement does not become unexpected and unpleasant for you. Sberbank offers an individual pension plan program - your guarantee for a happy old age. Start early, get more.

Advantages of registering an individual pension plan at Sberbank

This program not only saves money in cash, but also multiplies your savings. Sberbank offers conditions, and the program gains a lot of advantages:

Choose the amount and manage funds in your account
Receive a tax deduction - 13% (no more than 15 thousand annually)
Exaggerate capital (the bank invests your funds in reliable securities)

Choose one of the offered programs that suits you best, create your capital without experiencing financial inconvenience.

Terms and rules

The official website provides a special calculator with which you can calculate your future pension: indicate gender, age and contribution amounts.

Contributions are paid in any order. There are several ways:

In the department
Via ATM
On the website or in the Sberbank Online application
Through the accounting department of the company where the client works

To find out how much amount has accumulated, take your passport to any bank branch.

A non-state pension is paid in the same way as a regular pension - monthly, on a book or on a plastic card. If necessary, you can apply for funds quarterly or annually.

Packages for individuals

Sberbank offers three different packages so that each client can choose the best one for themselves:

Universal

Pay when it's convenient. The first installment is from 1,500 rubles, subsequent installments are at least 500.

Complex

Payment is made randomly. The first installment is 1000 rubles, the second and subsequent installments are from 500 rubles.

Guaranteed

Payment is made every month, and the contribution is regulated at the conclusion of the contract, at the request of the client.

How to activate the service

You can fill out documents for the individual pension insurance program at one of the offices of Sberbank NPF - find them on the map in your city. If you are limited in time, feel free to contact consultants at any bank branch. They will tell you more about each package of options and provide the opportunity to draw up an agreement. Take your Russian citizen’s passport and SNILS with you – it will take 15 minutes.

You can also conclude an agreement online, on the website of Sberbank NPF. To do this, fill out a short form that will require your passport and personal data, SNILS number and answers to simple questions.

Also, simplify the procedure by concluding an agreement through the State Services website. If you registered there previously, the system already knows the necessary data.

It is worth signing up for the program today, so your pension will begin to increase dramatically in size. Ensure a prosperous future without stressing or overworking. Determine the amount, dream, plan and do not deny yourself anything, entering the status of a happy pensioner. Sberbank will help you make your dreams come true, guaranteeing the reliability and exaggeration of your capital.

Sberbank invites citizens to take care of their well-being during retirement by turning to one of its pension programs. Is it worth signing up for an individual pension plan of Sberbank, how to calculate its profitability, what are the advantages, we will analyze in detail.

Features of NPF Sberbank

Is it worth investing in your future? This question was puzzling just a couple of years ago, but now it doesn’t seem so strange as the population’s faith in the state’s social policy falls from year to year.

Profitability of Sberbank IPP in 2019

How beneficial an individual pension plan is depends on a number of reasons:

First of all, it depends on the size of your own investments and the duration of their placement. The sooner a person begins to form savings, the greater the amount will be in his account in old age.
Secondly, it depends on the success of the investment strategy. Everything that she can earn during the billing period (usually a calendar year) is added to the investor’s own funds placed in the individual investment account of Sberbank.

According to forecasts, by 2019 the average percentage return of non-state pension funds will be at least 8% per year. The trend of investment activity indicates a stable annual increase.

Tax deduction for an individual pension plan

Each owner of a pension account within the Sberbank IPP has the right to receive a tax deduction in the amount of 13% of the deposited funds - this is another advantage of independently forming a pension:

The maximum amount of deduction per year is 15.6 thousand rubles per year (i.e. from 120,000 deposited into the account);
The deduction is issued to citizens who have an official place of work based on a package of documents (including the 3-NDFL declaration) at the end of the year:

Payment will be made in a one-time transfer to a bank account.

Please note two restrictions:

In a year you cannot return more than a person pays in taxes (13% of wages).
The amount of 120 thousand is the total limit for all types of deductions (including for education and treatment), so in reality you may receive less:

Individual investment plan Universal

In Sberbank today only the specified program operates, the conditions for it are the most loyal - only one fixed contribution, and the terms and additional payments are at the discretion of the client, this plan is called Universal. Until 2019, clients could choose between two more IPP options:

Guaranteed: a citizen assigns the desired amount of pension for a certain period (from 10 years). Based on this, a replenishment schedule is drawn up with specific numbers and frequency.
Complex: the citizen transfers the funded part of the pension to Sberbank and independently forms contributions. At the end of the contract, he receives two types of pension benefits.

Conditions of the IPP Universal

You can register with a non-state fund of Sberbank under the following conditions:

Initial deposit: from 1,500 rubles, if you plan to save for just a year - at least 60 thousand rubles;
Top-ups: from 500 rubles;
Schedule: at the discretion of the client;
Pension payment period: from 5 years.

Just as easy as placing it there.

The universal IPP, like others, provides for the right of inheritance, but prohibits the transfer of savings to third parties, for example, in the event of a divorce. Also, funds under the Universal Plan cannot be seized or collected by bailiffs.

If the client wishes to terminate the contract under the Universal Plan early, the refund is carried out according to the following principles:

After less than 2 years: up to 80% of your own investments;
2-5 years: all your contributions and half of the income accrued for this period;
Over 5 years: savings and income in full.

Other individual plans have similar early termination provisions.

How to calculate a pension plan

To decide whether it is worth contacting the IPP, it is recommended to first calculate using the Sberbank calculator how much you can receive at the end of the contract.

You can calculate the non-state pension and funded pension, which will begin to accrue after the end of the moratorium. The first is formed from one’s own contributions, the second from those coming from the employer - this is a feature of the Sberbank calculator.

Please note that when you sign up for the Universal individual pension plan, you are not required to transfer your funded pension to Sberbank NPF.

Inflation growth according to long-term forecasts, the current profit of the fund and other necessary parameters are included in the calculator, which allows you to calculate the result as accurately as possible. It cannot be taken as a definite answer, but it allows you to navigate what amounts you should expect.

How to connect a pension plan

You can apply for an individual pension plan of Sberbank through several structures:

Sberbank offices;
Offices of NPF Sberbank;
Online.

When applying in person, you should take your passport and SNILS, which are needed to fill out the application and confirm your identity.

In the form that appears, indicate:

Passport information;
Phone and contact information;
Information about yourself;
First payment amount.

Afterwards confirmation occurs via SMS (entering the received code). Next, they suggest studying the cooperation agreement and checking that you agree with its terms. The next step is to pay the fee by transfer from the card. The transfer is performed on a separate page using 3D-Secure technology, where you need to provide card details and confirm with a password sent from the bank.

If desired, at the next stage you can. To do this, indicate the amount and frequency of debits from the Sberbank card. If this is not done, you will need to pay yourself through Sberbank Online, an ATM, on the NPF website, or at Sberbank cash desks. You can also arrange salary transfers in the accounting department at your place of work.

How to receive payments under the IPP

Upon reaching the required age, you are required to apply for non-state contributions.

Together with him, provide a passport and a copy of the contract (or announce its number). If the application occurs before reaching retirement age, it is worth presenting a pension certificate or other confirmation of the assignment of a state pension.

Deductions will be sent to an account in Sberbank or another specified by the client. The following rules apply:

The first transfer occurs within 30 days after submitting the application. Further – once a month.
If the calculated payment is less than the minimum pension, payments are assigned once a quarter.
The pensioner is issued a Sberbank pension book.

Conclusion

Registration of a pension program at Sberbank allows a citizen to receive additional contributions at the end of his career in order to ensure a decent standard of living. Universal and other programs are based on investing money received from participants in order to increase profits. The profitability of Sberbank's individual pension plan is characterized by high, steadily growing indicators.

Transferring the funded part of your labor pension to Sberbank Non-State Pension Fund is an opportunity to increase your future pension without additional investments. When paying wages monthly, the employer, in accordance with the procedure established by law, pays to the Pension Fund of the Russian Federation (PFR) an insurance contribution in the amount of 22% of the wages: 16% of this amount is transferred to the insurance part of the pension, 6% to the funded part, which is saved for individual personal account of a citizen in Sberbank.

Distribution of employer's insurance contributions (22% of wages)

1. The insurance part of the labor pension is monthly payments that are 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 funded part of your pension! 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 status 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.

How to create an IPP for yourself and your loved ones

1. Contact a branch of Sberbank of Russia or NPF Sberbank. 2. Provide the employee with a passport if you are creating an IPP for yourself, or an identity document (passport, birth certificate) of another person if you are creating an IPP for other persons. 3. Determine the terms of the individual pension plan: the size, frequency and timing of payment of pension contributions or the size, frequency and timing of payment of a non-state pension, the procedure for succession (inheritance), other conditions in accordance with the Pension Rules of the Sberbank Non-State Pension Fund and current legislation.
4. Conclude a Non-State Pension Agreement (NPO) with Sberbank NPF in your favor and/or in favor of a third party (your family and friends).

Benefits of the program

-The basis of the IPP is a non-state pension provision (NPO) agreement with Sberbank NPF; -During the entire period of validity of the agreement, the NPO NPF of Sberbank will annually inform the client about the results of its activities, including investment ones; -Receipt of a non-state pension can begin upon the onset of any pension grounds or later; -The NGO agreement can be concluded at branches of Sberbank of Russia, regardless of place of residence and work. -Accumulated profitability of NPOs for 2000-2011. amounted to 319%, which is 23% higher than accumulated inflation over the same period of time (296%); -With IPP you can take advantage of the social tax deduction; -Savings can be bequeathed to heirs; -Non-state pension is not subject to personal income tax; -The deadlines for payment and the amount of contributions are determined by the client himself; also, he can determine the size of the non-state pension, and the amount of contributions will be calculated by the Sberbank Non-State Pension Fund. -You can consult on the IPP, conclude an NPO agreement, submit an application to change information about yourself or your details at the nearest branch of Sberbank of Russia PJSC; -You can pay contributions through your employer, either in person without commissions at any branch of Sberbank of Russia PJSC, or by issuing a standing order to transfer contributions from your account opened with Sberbank of Russia PJSC; -You can receive a non-state pension without commissions at any branch of Sberbank of Russia OJSC; -To obtain information about your account status, you can use the free “Client Personal Account” service on the Sberbank NPF website www.npfsb.ru. *Historical returns do not guarantee future returns. 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. -The client pays contributions, Sberbank NPF places them in various securities and receives investment income. -Client contributions and at least 85% of the income received by Sberbank NPF are reflected in the client account. -Upon reaching retirement age, the client (or the person specified in the NPO Agreement) receives a non-state pension, the amount of which is calculated based on the amount of pension contributions and income earned by the Sberbank Non-State Pension Fund, or is established in the NPO Agreement. -During the payment period, the client’s pension is indexed at the expense of income received from Sberbank NPF.

About Sberbank NPF

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.