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 amount of wages. Despite government guarantees, the average level pension provision can hardly be called redundant even taking into account the significant income of the future pensioner, so the question of the sufficiency of personal savings by the time of completion labor activity at least deserves consideration. One of the possible directions for investment in this case is participation in the program of the Sberbank pension fund for the formation of an additional non-state pension. Consider its features, the order of participation and other important points.

Main features of the program

According to the law, the employer transfers 22% of the wage fund to the Pension Fund of Russia, of which 16% relate to the insurance pension, and 6% to the funded one. Until 2014, every employee had the right to transfer the funded part of the pension to any non-state Pension Fund at its own discretion in order to obtain 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 finance an individual pension plan at their own expense, taking 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, it will be possible to approximately calculate the value future pension depending on the 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 request of the client in the amount of at least 500 rubles. The accumulated amount, including interest, is paid out within 5 years or more from the date of retirement. This money is not subject to collection or arrest and is not divided between former spouses. However, funds from a retirement account are inherited in the event of the owner's death.

At the request of the client, the invested amount and accrued interest can be returned before the 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 member of the program?

A citizen of Russia can take specific measures to plan a future pension from the age of 18 - this is the lower limit for applying 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 preferences of the client in the amount of at least 500 rubles, the pension payment period is from 5 years;
2. guaranteed– the size of the initial and periodic contributions are equal and are fixed in the contract, the payment schedule and the amount of the future pension, which will be paid for at least 10 years, are also predetermined;
3. complex– management of the state funded pension is transferred to the NPF of Sberbank, the additional pension is accumulated randomly at the request of the client.

Online check-in

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

• first you need to open the contract registration page on the NPF website: https://ipp.npfsb.ru;
• the application form must include the applicant's personal data and confirm compliance with the program conditions;
• after paying the initial fee, 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 issued in person at the office of the NPF or at the branch of Sberbank. To conclude an agreement with yourself, you need to have a passport, TIN number and a bank card for making the first payment.

Replenishment methods

Subsequent replenishment of the pension account is carried out by any of the following methods:

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

Current status pension savings displayed in the NPF client's personal account. Statement in paper form can be obtained for free - for this you need to submit an application to the Sberbank branch and provide an identity card, as well as name the number and date of the conclusion of the contract. The statement is sent to the postal 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 plus lies in the very essence of the program - the possibility of providing a relatively comfortable old age, taking into account the very low level state pension. Moreover, given the long-term nature of such savings, the amount of contributions to achieve a significant increase in pension provision is quite moderate even at low income levels. 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 no 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, there is no guarantee that the rate will not change up or down. The long-term nature of the program is also a disadvantage to a certain extent - inflationary and other risks can nullify all savings or even lead to the loss of the initially invested money.

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 conclude an agreement on opening a pension account at any time within working age, and most universal option The program does not in any way limit the amount and frequency of additional contributions. Moreover, the funds paid in full can be returned after 5 years, taking into account the entire investment income. The yield itself and its value, however, are not specifically determined and are not actually guaranteed. Thus, such a program seems to be the most effective on a planning horizon of 5-10 years, provided that the amount of contributions is periodically reviewed depending on the profitability and its feasibility as a whole is assessed.

Simplicity of the product

First installment - from 1,000 rubles

You can also build an individual savings strategy and make increased contributions that will allow you to receive more in the future

product flexibility

Any frequency of payment of contributions is available

If for any reason you are unable to make a contribution this month, quarter, year, this will not affect the terms of the IPP agreement, and the funds in your account will continue to be invested. At the same time, it is worth remembering that the amount of the total amount of pension contributions you have made directly affects the amount of payment that you will receive in the future.

You get a competitive return, and you have the opportunity to increase the efficiency of investments through the use of a tax deduction*

* 13% of paid contributions per year from an amount not exceeding 120,000 rubles

Individual pension plan. Basic conditions:

• Initial payment: from 1,000 rubles
• Periodicity of contributions: arbitrary
• Duration of contributions: from 3 years
• Duration of payments: selected when assigning a pension, but not less than 5 years
• Payment frequency: once a month
• Opportunity to receive an increased first payment (up to 40% of the amount of savings)
• Conditions for early termination*:
  • During the first three years of the contract - refund of 80% of the paid contributions
  • After 3 years of the contract - a refund of 100% of the paid contributions
  • After 5 years of the contract - return of 100% of the paid contributions and 100% of the investment income

*with the return of START received and withholding personal income tax from investment income

• Contract time:
  • The Agreement enters into force from the date of receipt of the first installment of the Depositor to the current account of the Fund
  • The contract terminates in the following cases:
    • Final and full fulfillment by the fund of its obligations
    • Termination at the initiative of the Depositor
    • Death of a Contributor
    • Other cases established by law Russian Federation

Structure of the portfolio of pension reserves* as of December 31, 2018

* F21 pension scheme as part of pension rules JSC NPF FUTURE. It is possible to increase or decrease income from the placement of pension reserves. The results of investing in the past do not determine future returns. The state does not guarantee the profitability of the placement of pension reserves. It is necessary to carefully read the charter of the fund, its pension rules before concluding an agreement on non-state pension provision.

Answers to important questions:

What is a social tax deduction

Social tax deduction (hereinafter referred to as START) is tax break, established by the state, which allows you to return a part of your previously paid personal income tax if you incur certain social expenses, such as treatment, education, and incl. expenses for non-state pension provision for themselves or their close relatives.

The procedure for granting a social tax deduction for expenses for non-state pension provision is defined in paragraph 4 of Art. 219 of the Tax Code of the Russian Federation.

The maximum amount of paid pension (insurance) contributions from which a tax deduction will be calculated is 120,000 rubles.

120,000 x 13% = 15,600 rubles - this is maximum size deduction for the year (general for all types of expenses for education, treatment, non-state pension provision and contributions to the co-financing program).

By granting the right to a tax deduction, the state encourages citizens to accumulate funds for a future pension. The funds returned to you as a result of using the social tax credit will remain at your disposal forever if you use the accumulated funds to receive pension payments. However, if you decide to terminate the pension agreement, then you will need to return the underpaid personal income tax to the state, since you are using the funds accumulated under the pension agreement for other purposes.

How to get a social tax deduction

There are two ways to get a social tax deduction:

• Through the accounting department at the place of work, if you have written an application for withholding pension contributions under an NGO agreement from wages
  1. Write to the accounting department at the place of work an application for granting you a social tax deduction at the place of work.
  2. From the moment you apply, your employer will provide a social tax deduction for every deduction of the NGO pension/co-financing program contribution from your salary.
• Through the tax authority at the place of residence
  1. Fill out a tax return (form 3-NDFL) at the end of the year in which contributions were paid.
  2. Get a certificate from the accounting department at the place of work on the amounts of accrued and withheld taxes for the corresponding year in the form 2-NDFL.
  3. Prepare a copy of the agreement with a non-state fund and all other documents necessary for obtaining a tax deduction (their exhaustive list can be found in your territorial office of the Federal Tax Service).
  4. Submit a completed tax return with a complete package to the tax authority at the place of residence required documents(their exhaustive list you can find in your territorial office of the Federal Tax Service).

Why PPI pension savings are tax deductible

Tax on personal income is not subject to in accordance with paragraph 1 of Art. 213.1 of the Tax Code of the Russian Federation:

amounts of pensions paid under contracts of non-state pension provision concluded by individuals in their favor;

amounts of pension contributions under contracts of non-state pension provision concluded by individuals in favor of other persons.

Personal income tax is levied in accordance with paragraph 2 of Art. 213.1 of the Tax Code of the Russian Federation:

amounts of pensions paid under contracts of non-state pension provision concluded by individuals in favor of other persons;

cash (redemption) amounts minus the amounts of payments (contributions) made by an individual in his favor, in respect of which he was not granted a social tax deduction in the event of early termination of contracts (except for cases of their early termination for reasons beyond the control of the parties, or transfer of the redemption amount to another non-state pension fund).

Why the accumulated amounts and investment income cannot be foreclosed on the claims of third parties

In accordance with paragraph 5 of Art. 18 of the Federal Law "On Non-State Pension Funds" dated 07.05.1998 No. 75-FZ "on the funds of pension reserves and on the assets in which the funds of pension reserves are placed, the fund's debts cannot be levied (with the exception of the fund's debts to its participants, depositors), depositors, a management company (management companies), a specialized depository and other third parties, including insured persons and participants, measures to ensure the stated requirements, including seizure of property, cannot be applied to them either.

The contributor's pension contributions transferred to the fund within the framework of the concluded pension contract, as well as the investment income accrued by the fund, are included in the fund's pension reserves and are part of its property.

However, at the time of payment of a non-state pension to a participant, he receives income, which may be levied, including within the framework of enforcement proceedings. For example, when paying a non-state pension, alimony will be withheld from it in favor of minor children.

What is the “opportunity to receive an increased first payment”

In accordance with the pension rules of the fund, the amount of the first pension payment may differ from the amount of subsequent payments. The maximum allowable amount of the first pension payment is 40 (forty) percent of the amount accounted for in the pension account.

In order to receive the first payment in an increased amount, it is necessary to submit an appropriate application when applying for a pension, since after the start of pension payments, it will be impossible to exercise the right to receive an increased payment.

At the same time, subsequent payments within the period established by the agreement (5 years or more) must be at least 400 rubles. Such a minimum amount of non-state pension is established by the fund's pension rules.

Learn more about inheritance and successors

In the event of the death of the Participant/Depositor, the NGO agreement is terminated and the redemption amount is calculated and paid to the successors of the deceased in the manner determined by the Fund's Pension Rules and the terms of the pension agreement.

Successor - a person appointed by the Participant (Depositor) of the fund in a will (Article 1118 of the Civil Code of the Russian Federation), or an heir by law (Article 1141 of the Civil Code of the Russian Federation), who is called to inherit in the order of priority established by the Civil Code of the Russian Federation.

To enter into inheritance rights, you must obtain a certificate of inheritance. To obtain this document, you must contact a notary who will issue an official request to the fund on the availability of funds on the participant’s personal pension account, which are the subject of inheritance. If you have documents on non-state pension provision, then they must also be submitted to a notary: the absence of documents is not a reason for refusing to send a request, but the presence of such documents will speed up the processing and formation of a request, which, ultimately, will reduce the time of the entire procedure. After receiving a certificate of the right to inheritance, it is necessary to draw up and send to the fund a set of documents for receiving the inherited amount in accordance with the inheritance procedure.

Learn more about early termination

Your goal in the formation of an individual pension plan is to maintain a decent standard of living after the end of active work. Being of working age, you can secure a pension close to your salary and thus a comfortable and happy old age. The Fund is designed to help you with this and selects for placement of pension reserves assets that provide a stable income for a long period of accumulation. The unscheduled sale of assets, necessary for the formation of the redemption amount when the Investor terminates the pension agreement, entails not only an increase in transaction costs associated with the payment of the necessary commissions, but also forces the Fund to conduct operations regardless of the situation on the stock market. It should also be noted that the Fund does not withhold additional commissions from the pension contributions of clients who form IPP in the Fund, as, for example, insurance companies do. source

covering the Fund's administrative expenses related to maintaining pension accounts and organizing the placement of pension reserves is part of the investment income received by the Fund. As a result, in case of early termination, the Fund incurs direct losses. That is why, in accordance with the NGO agreement, reduction factors are applied when calculating the redemption amount in case of termination of the agreement during the first few years of its validity. You will be able to receive the paid amount of pension contributions without loss after three years from the date of entry into force of the NGO agreement, and investment income - after five years from the specified date, respectively.

Example 1:

You decide to terminate the contract after two years from the effective date of the contract. Every month you deposited 1,000 rubles into your individual pension account. After two years, the amount of pension contributions made will be 24,000 rubles.

Let's say that the Fund annually accrued income to your individual retirement account at a rate of 8% per annum. The amount of accrued income will be 1,862 rubles.

The reduction coefficient to the amount of pension contributions reflected in the pension account on the date of calculation of the redemption amount will be taken equal to 0.8, and the investment income will be withheld by the Fund in full.

The redemption amount will be 19,200 rubles.

Example 2:

You decide to terminate the agreement after three years from the effective date of the agreement. Every month you deposited 1,000 rubles into your individual pension account. After three years, the amount of pension contributions made will be 36,000 rubles.

Let's say that the fund annually accrued income to your individual retirement account at a rate of 8% per annum. The amount of accrued income will be 4,365 rubles.

The reduction coefficient to the amount of pension contributions reflected in the pension account as of the date of calculation of the redemption amount will not be applied and you will be able to receive the full amount of the paid pension contributions, and the investment income will be withheld by the Fund in full.

The redemption amount will be 36,000 rubles.

Example 3:

You decide to terminate the agreement after five years from the effective date of the agreement. Every month you deposited 1,000 rubles into your individual pension account. After five years, the amount of pension contributions made will be 60,000 rubles.

Let's say that the fund annually accrued income to your individual retirement account at a rate of 8% per annum. The amount of accrued income will be 12,944 rubles.

The reduction coefficient to the amount of pension contributions reflected in the pension account as of the date of calculation of the redemption amount will not be applied, and you will be able to fully receive the amount of pension contributions paid, as well as fully receive the investment income accrued by the Fund.

The redemption amount will be 72,944 rubles.

It is also worth recalling that when paying redemption amounts to clients, the Fund acts as a tax agent. This means that the Fund withholds personal income tax at the rate of 13% from the investment income included in the redemption amount, and also withholds tax on pension contributions included in the redemption amount, if the client has previously exercised the right to receive social tax deduction.

Unfortunately, the average pension in the Russian Federation cannot ensure a comfortable existence for the elderly. In order not to depend solely on state support in old age and have a constant additional income, you can contact the NPF in advance, use the individual pension plan of Sberbank, and significantly increase the profitability of your own pension.

After the law on non-state pension provision for the elderly, adopted in 1995, new opportunities opened up before the citizens of the Russian Federation, which allow them to take care of themselves in order to have a regular income in old age. The state-appointed pension, combined with payments from the NPF, guarantees comfort and a prosperous life after retirement.

This is a project that provides an opportunity to take care of receiving decent pension, ensure their own old age. You will be able to gain confidence that in the future you will not have to depend on government support and material assistance from loved ones. Find out in advance about the programs offered by the fund to all citizens of the Russian Federation.

How it works?

In order to clearly understand how in the future you can increase your own pension and form it yourself, you need to find out how a non-state structure (NPF) works. The fund has developed programs that allow not only to save, but also to increase savings, which, in fact, will form the basis for further payments. The Sberbank pension plan is designed for citizens with different income levels, so everyone will be able to choose the most convenient and affordable way to save money and apply for this service.

The scheme of this process is quite simple:

1. An agreement is concluded in which the schedule and amount of payments are prescribed;
2. During the period stipulated by the agreement, you make contributions to the NPF;
3. Your money is invested in various sectors of the economy, which allows you to increase the size of the deposit and compensate for inflation;
4. After retirement, you receive the accumulated funds in any convenient way.

NPF Sberbank

In order to choose this particular fund, there are a number of objective reasons.

In addition to what the individual pension plan of Sberbank provides for, the profitability at a fairly high level, the undeniable advantages are:

• Reliability. Regular assessment of the bank's activities by independent experts in the field of economics and banking law shows that its reliability ratings are quite high and reach the highest ratings. In addition, the reliability of deposits is ensured by the participation of the state in the capital of the bank.
• Professional management. It is no secret that the effectiveness of any fund depends on the competent management of trusted finances, they must be invested in profitable and, at the same time, reliable programs. A team of professionals clearly assesses not only the possible benefits, but also the degree of investment risk, as a result, the return on investment is at a high level with minimal risks.
• Own assets. This is an additional insurance for depositors who entrust their money to NPFs.
• Possibility of the choice of the program. The level of income and the desired result are the main criteria that you should rely on when choosing one of the available programs.

Benefits of NPF

Have you thought about investing part of your income in a pension project? Sberbank offers several programs to choose from.

The advantage of such a solution would be:

• Possibility to increase the size of the pension by paying non-burdensome regular contributions.
• Independent choice of the contribution amount and payment schedule;
• Profitability (higher than when making a deposit);
• Possibility to dispose of funds (take early, bequeath to heirs, choose the method of receiving invested funds, etc.);
• Return of 13% of investments.

The target audience

It should be noted two categories of citizens to whom this proposal will be especially beneficial. It's about about those who receive part of their wages unofficially and about persons whose earnings exceed 47 thousand rubles. (the maximum amount from which the state pension is calculated). In the first case, payments from the state will be small, in the second case, the level of state payments will be disproportionately lower than the usual standard of living. And for any citizen who has reached old age, the addition to the accrued pension will be an additional opportunity to live with dignity in old age.

Pension project in Sberbank

Let's find out what you need to do to become a member of a non-governmental program, and what options exist at the moment.

Kinds

There are several options for pension formation programs:

• Individual Pension Plan (IPP);
• Pension corporate programs;
• Mandatory pension insurance.

Bank specialists will help you choose the most suitable option, more detailed information is available on the official website.

Conditions

If you decide to apply for an individual pension plan at the NPF of Sberbank, then you should familiarize yourself with the general provisions of the program.

Registration

For registration it is enough:

1. Conclude an agreement in accordance with the chosen program;
2. Open a current account to which funds will be transferred;
3. Make the first mandatory deposit.

This can be done both at the bank branch and directly on the site. At the same time, a personal account will be opened for you (Internet banking is serviced free of charge) for the convenience of the client. At any time, you can make a payment, check the status of your own account or ask a specialist a question.

Contributions

Payouts

You can replenish an open account and increase the profitability of savings in any convenient way, you determine the schedule and amount of payments yourself when concluding an agreement. You can set the amount of the contribution yourself (there is a special calculator on the site for this) or specify the desired amount additional pension so that you can calculate the required monthly payment.

After the implementation of the individual plan, the payment of the accumulated amount is possible:

• One time:
• Monthly;
• Once every 3 months.

Non-state pension can be paid for 10 or 15 years, or for life.

NPF of Sberbank is the best place to accumulate pension capital (video)

An overview of why clients should trust this non-state pension fund to conclude contracts with it.

Conclusion

IPP is an opportunity for everyone to secure a decent life after the end of their working life. It is easy to calculate the amount of state support in advance in order to understand what amounts you can count on in old age. If the result obtained is not satisfactory, you can always contact the NPF, apply for an IPP and take care of increasing your own pension.

Transfer of the funded part labor pension in the NPF of Sberbank, this is an opportunity to increase the future pension without additional investments. When paying wages on a monthly basis, the employer, in accordance with the procedure established by law, deducts an insurance premium in the amount of 22% of the amount of wages to the Pension Fund of the Russian Federation (PFR): 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 insurance premiums (22% of wages)

1. The insurance part of the labor pension is monthly payments who are appointed upon reaching a certain age to all citizens who have the necessary seniority. The insurance part of the pension is what the state guarantees.

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

You can receive pension savings not earlier than the retirement age at a time (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 agreement or by law. Assignees must apply for the payment of pension savings no later than 6 months from the date of death of the insured person.

By default, the pension savings of citizens are in the Pension Fund of the Russian Federation (PFR), Vnesheconombank manages these funds. His key task is to save the funds entrusted to him. You have the right to manage your funded part pensions! The cumulative yield of NPF Sberbank for 4 years (2009 - 2012) amounted to 52.03%. For comparison: the inflation rate for the same period amounted to 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 Charter of the Fund, its pension and insurance rules before entering into 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 ceased to send information to citizens of the Russian Federation in the form of annual letters on the status of an individual personal account (IPA). A convenient and modern replacement for PFR letters can be obtaining an extract on the state of the ILS in banking institutions with which the PFR has entered into an appropriate agreement.

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

Service cost

Individual Retirement Plans

Get yourself a second state pension with self-funded 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 pension. This is an additional guarantee of maintaining the quality of your life and the life of your loved ones after the end of the working period. An individual pension plan allows you to independently determine the amount of your future pension.

The NPF of Sberbank 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 in private practice without a work book (designers, architects, IT specialists, etc.); - small business representatives whose contributions to the Mandatory Pension Insurance system are not sufficient to create the minimum social guarantees or absent altogether; - those who want and have the opportunity to ensure a comfortable future for their relatives and friends; - to everyone who cannot count on a state pension for various reasons.

How to create an API for yourself and your loved ones

Program Benefits

About NPF Sberbank

The NPF of Sberbank is included in 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, more than 1.5 million people are clients of the NPF of Sberbank . The founder, PJSC "Sberbank of Russia" is one of the most reliable and largest banks in Russia.

There are 3 strategies for the formation of additional savings in the individual pension plan of Sberbank: universal, guaranteed, and comprehensive. For those who care about the amount of their future pension in advance, we will tell you whether it is worth transferring your pension savings to this NPF from the Savings Bank.

This is a type of pension payments that a citizen directly creates through monthly contributions until the moment he takes a well-deserved rest. The non-state pension fund of Sberbank every year accrues a certain percentage on the savings of a future pensioner, due to which the amount of savings increases.

When applying for a social tax deduction (SNV), an individual can receive 13% of the amount of contributions.

1. current age.
2. The amount of wages.
3. The amount of the contribution in rubles or as a percentage of the salary.

After that, the system calculates an approximate pension in the future. The accruals are based on actuarial yields at a rate of 7.5%.

Types of individual plans, terms of provision

Sberbank's pension program includes 3 types of additional income generation:

• universal;
• guaranteed;
• complex.

The individual pension plan "Universal" in Sberbank involves the payment of contributions in any order. Accruals are made from investment income. As a result, a citizen receives non-state pension contributions, the amount of which is related to the amount of savings.

The options look like this:

1. Initial investment - at least 1500 rubles, periodic - from 500 rubles.
2. Arbitrary frequency of payment of contributions.
3. The pension is paid for 5 or more years.
4. Accumulations are inherited, are not subject to division during divorce proceedings and collection by 3rd parties.
5. Possibility of a refund up to 15,600 rubles. per year when issuing START.
6. With early demand, savings can be received in 80% volume during the first two years, after 2 years - in the amount of 100% of the contributions paid and half of the investment income, or after 5 years, then the return will be made in full.

The essence of the guaranteed plan is that the client makes contributions, the amount and schedule of which depends on the size of the desired pension payments.

Similarly to the previous strategy, an individual receives a non-state pension in accordance with a signed co-financing agreement. The conditions for the early return of accumulated funds also coincide.

The size of the initial and regular contributions are identical. Periodic replenishment occurs according to the current contract. The term of pension payments is from 10 years.

A comprehensive individual plan consists in transferring pension savings to a non-state PF of Sberbank and issuing an IPP. As a result, the user receives a funded and non-state pension. In other moments, the strategy is similar to the first option.

You can only apply for a universal pension plan online. The rest of the types are available for opening at the NPF Sberbank office or a bank branch. With the exception of the complex option (you need SNILS), you can open an IPP using a Russian passport.

Funds are transferred to the client's card account on a monthly basis. If the amount of payments is lower than established by the Pension Fund, then the pension can be paid every 3 or 6 months.

Fees can be paid in several ways:

• through Sberbank Online;
• by bank card on the fund's portal;
• using an ATM, terminal;
• through the corporate account of the employing organization indicating the name of the recipient, BIC, correspondent account, RS, TIN, KPP.

Advantages and disadvantages of the pension plan

The advantages of a non-state pension in the largest bank in Russia are as follows:

1. Additional surcharge to standard pension payments. It is especially important if the employee's income is more than 45 thousand rubles. (no deductions are made for an amount exceeding this threshold), unofficial employment or an individual is self-employed (individual entrepreneurs, freelancers, lawyers in private practice, etc.).
2. Registration of one document (with the exception of a comprehensive ind. plan).

In addition to the advantages, the program has several disadvantages:

• low interest rate;
• insufficient understanding by clients of the procedure for calculating pension accruals and subsequent payments after reaching the appropriate age.

If we compare NPFs of Sberbank, Lukoil, VTB, Magnit, then the first one loses in terms of interest accrued on depositors' contributions. Despite this, many Russians tend to trust Sberbank based on the reliability of the bank, the quality of services provided, and the convenient location of service offices.

Conclusion

Summing up, we can say that the individual pension plans offered by Sberbank help the citizens of the Russian Federation to provide a comfortable well-deserved rest. Every year, when applying for a social tax deduction, a client can receive up to 15,600 rubles from the amount of monthly contributions.