Nowadays, most people strive to take care of their own future in advance, which is why they often turn to non-state pension funds in order to make contributions to their pension and not worry about an unhappy old age in the future. It is worth talking about NPF Education and the official website.

Official website of NPF Education

NPF Education, the official website of Yekaterinburg and the Pension Fund itself, were created in 2001 by the Russian Academy of Education. At first, the organization was focused only on the budget, but subsequently the company developed rapidly, and eventually the restrictions were eliminated.

Now the company is engaged in carrying out work using different methods for all citizens of the country. Several years ago, the organization became part of the state insurance department.

Reliability rating of NPF Education

Currently, Education NPF has a fairly stable level of A+, it shows high reliability, which speaks for itself. The fund can be trusted, it strives to win the favor of clients and does its work conscientiously.

According to the RA Agency, it becomes clear that the rating period has expired, and the fund has refused to conduct another assessment study. However, until 2016 the rating remained at a high level.

The fund's profitability has not been presented at this time, but it is known that the organization received its highest income in 2009 and 2016.

Industry NPF Education and Science

The fund's work is carried out in various directions. Formation JSC NPF is engaged in providing non-state pensions to citizens, creates and manages additional pension savings, and also participates in the compulsory pension insurance program.

The organization operates according to the legislation of the Russian Federation, so you can be confident in its reliability and stability.

The fund is developing various pension programs, including corporate ones, which help employers and managers work with new social technologies and attract experienced specialists to the organization, and ensure financial support for employees after retirement.

If the client decides to contact this organization, he is guaranteed to receive a significant increase in the official pension payment and will preserve his own funds and savings, gaining confidence in the future.

Contact Information

The main office of Ekaterinburg NPF Education is located at:

You can contact specialists at (343) 379 - 22 - 56.

Personal account of NPF Education - registration and login

In order to get to your personal account, you should go to NPF Education, the official website is located at http://npfo.ru. Portal users can use a special calculator, read about the latest events and view reports.

Addresses of branches and representative offices of NPF Education

Ekaterinburg

620 026, Ekaterinburg, Belinskogo, 56, office 301 – 304

Phones: +7 (343) 379 - 22 - 56, 379 - 22 - 54

Omsk

Omsk, Frunze, 40 A, office 201 - 13.

Phones: (3812) 21 - 24 - 16, +7 960 - 998 - 61 - 24

Serov

Serov, Karl Marx, 26, office 27.

Phone: (34385) 7 - 77 - 57.

Ufa

Ufa, Zhukova, 22, office 206,

Phones: (347) 279 - 92 - 40, +7 927 - 303 - 77 - 61

The role of the trade union in resolving pension issues

Interview with the secretary of the apparatus of the All-Russian Trade Union of Education on economic issues, Vladimir Livshits, dedicated to the issues of pension provision for public sector workers and the main directions of the Trade Union’s activities in the pension services market.

Vladimir Livshits: “ We are forming an institution of commissioners for pension issues. These are representatives of regional (interregional) organizations of the Trade Union who will interact with funds to organize pension services. Our main task is to explain today's and tomorrow's situations, to convey to people independent and objective information about what awaits them in the pension market and what decisions they can make for themselves.“.

NPF “SAFMAR” warns: save your income!

Early transfer of your pension savings in the current 2017 from fund to fund can lead to a loss of up to 27% of savings.

The amount of losses can amount to tens of thousands of rubles!

Why is this happening?

According to Federal Law No. 410-FZ of December 28, 2013, since 2015 a rule has been in effect for the early transfer of pension savings from one pension fund to another. When transferred more than once every five years, the insured loses the investment income earned by its previous insurer. If savings are in one fund for 5 years, then all income earned during this period is recorded in the account of the insured person and guaranteed by the state.

In 2017, the five-year period expires for insured persons whose contract on compulsory pension insurance (hereinafter referred to as the MPI) with the previous insurer came into force in 2013. This category of clients will not suffer losses when submitting an application to choose a new insurer (in this case, the savings will be transferred to the new fund in 2018 - that is, just after the expiration of the 5-year period).

For other insured persons, transitions in 2017 will be early. The table below shows what the losses may be.

Consequences of choosing a new insurer in 2017:

(year of application – 2017, year of receipt of savings to the new insurer – 2018)

The year your savings were transferred to NPF “SAFMAR”	The period during which you lose income
2011 and earlier
2012	Loss in one year: 2017
2013	no losses
2014 and 2015*	Loss over three years: 2015-2017
2016	Loss over two years: 2016-2017
2017	Loss in one year: 2017
* by decision of the Russian government, the transition campaign in 2013-2014 was double - applications for transfer of savings submitted by insured persons during 2013-2014 were considered in 2014, and the new insurer received savings funds in 2015.

How much can I lose?

Below is indicated what profitability was accrued to the accounts of clients-insured persons of JSC NPF “SAFMAR” in 2015-2016, previously clients of JSC NPF “Education and Science”. The investment results for 2017 will be summed up at the end of this year, and they can be assessed no earlier than March 31, 2018.

Annual return on pension savings accrued to client accounts (in%):

The exact amount of losses upon early transfer of savings depends on the amount that has accumulated in your account. The higher the account size, the greater the investment income in absolute terms. Information about the amount of loss of investment income can be found in your personal account on the website of JSC NPF “SAFMAR” - https://client.npfsafmar.ru/.

Taking into account these risks, the “Education and Science” branch of the joint stock company “Non-state pension fund “SAFMAR”” recommends that its clients - insured persons - obtain detailed information about the state of their pension savings account and assess possible losses before making a decision to change the pension fund.

Is it possible to avoid losses?

If this year you have already entered into an agreement on compulsory pension insurance with another fund without being informed about the loss of investment income, and now you want to cancel your decision, you can do the following.

Contact the new fund and demand to cancel the contract on the grounds that you were not informed about the loss of income. Request the fund to send you documentary evidence that the contract has been cancelled.

The new fund may refuse to cancel if it has already submitted your contract for consideration to the Pension Fund of Russia (PFR; this is the authorized body that decides to satisfy the applications of the insured persons to transfer to a new insurer). In this case, we recommend that you re-submit your application for transfer to JSC NPF “SAFMAR”. You must submit the application in person - at a branch of the Pension Fund of Russia or at one of the “My Documents” multifunctional centers (MFC). The latter option is more convenient - MFCs are open on Saturdays, they have an electronic queue and the waiting time usually does not exceed 15 minutes.

We encourage you to reapply in December! According to the law, if the Russian Pension Fund receives several applications from an insured person during the year, then the application with the latest filing date will be accepted for consideration. Thus, the Pension Fund of Russia will accept your application for transfer to JSC NPF SAFMAR for consideration.

Make sure that you avoid illegal transfer of savings and preserve your investment income! According to the current procedure, information on the results of the transition campaign is updated until March 31 of the next year. You can check which fund your savings are in in your personal account on the government services portal - https://www.gosuslugi.ru/.

Get additional advice

NPF 2016 is represented by NPF Education and Science JSC

JSC NPF "Education and Science" was created in 1994 by the All-Russian Trade Union of Education with the support of the Ministry of Education of the Russian Federation in order to increase the level of pensions for workers in the field of education and science, as well as their families.

07/24/2015 The rating agency RAEX (Expert RA) assigned JSC NPF Education and Science at level A “High level of reliability”. The rating outlook is “stable”, which means there is a high probability of maintaining the rating at the same level in the medium term.

Today, each of us needs to make a choice that in the future can seriously affect the size of our retirement pension. At our choice, the pension can be insurance or.

There is no need to be afraid that non-state pension funds will not fulfill their obligations. The state transferred the functions of preserving and increasing funded pensions to non-state pension funds (NPFs), exercising direct control over all operations. But before choosing a fund, you need to check the availability of the fund in

The non-state pension fund “Education” has been operating relatively recently - since 2001. The foundation of the fund was supported by the Ural branch of the Russian Open Society and other educational institutions.

Initially, NPF “Education” was aimed at providing pensions for employees in the public sector, but later became universal. Now the fund works with clients of any form of ownership, individuals of any age.

The institution provides free access to information for its clients, invests invested funds, due to which each investor receives additional profit.

Programs for individuals

The main area of ​​work of the NPF “Obrazovanie” is pension provision for Russian citizens in the status of individuals. After concluding an agreement with the fund, an amount begins to accumulate in the personal account, which is formed by the client himself, depending on the chosen insurance program. This makes it possible, upon reaching retirement age or other grounds, to receive an increased pension, which is significantly higher than the average for Russia.

Today, JSC NPF “Education and Science” has optimal programs that offer loyal conditions for transferring contributions.

In the field of non-state pensions for the period from 2009 to 2015, JSC NPF “Obrazovanie” showed high profitability, which, together with the “A+” reliability rating, allows the fund to receive good reviews. As part of the accumulation of non-state pensions, the fund offers 3 main programs:

. "Great Opportunities" . The program is intended for those people who have at least 20 or more years left until retirement. The advantages include small monthly contributions, a long accumulation period, increased investment income, the possibility of inheritance, and a tax deduction.

In this program, clients independently determine the frequency of contributions and their size. Investment income is accrued annually and added to the total amount of savings. Contributions can be made even after retirement.

. "Informed decisions" . This plan is intended for those clients who have a few years left before retirement. Such a short-term program also allows you to take advantage of a tax deduction, transfer all savings by inheritance to legal successors, and also quickly use your own savings.

The following points are determined independently: the period of transfers, the amount of contributions, the period for receiving payments.

. "Parent support" . This is a pension for those working citizens who want to support relatives by accumulating a non-state pension for them. The essence of the program is that the client makes transfers to a non-state pension fund, they are deposited in a personal account, and immediately after the first transfer, the person specified in the agreement can receive a pension payment.

These contributions are also inherited, the amount of the pension is determined by the client. The person depositing funds into the account is entitled to a tax deduction.

Non-state pensions in your own name or in the name of third parties, formed in the Education and Science Non-State Pension Fund, allow you to receive increased payments by investing money and receiving investment income, which can be tracked through your “personal account”.

Pension co-financing

The concept of state co-financing of a pension includes the following nuances - all transferred funds, including those to personal accounts in non-state pension funds, are doubled or multiplied by the state by 4 times, subject to non-receipt of a pension upon reaching retirement age. The maximum limit for increasing the pension is 12,000 rubles, the program period is 10 years.

There are several ways to receive funds that have accumulated in personal accounts:

• urgent payment - the minimum period for receiving a pension is 10 years;
• unlimited payment - in this case, all accumulated savings are included in the funded labor pension.

Under certain conditions, funds accumulated under the co-financing program can also be inherited. However, funds cannot be transferred to legal successors if the insured person dies after the payment has been made, which is issued indefinitely. In other cases, the funds in full, including investment profit, are transferred to the legal successors on the basis of the relevant document.

Cooperation with the fund

To conclude an agreement on mandatory pension insurance and the formation of a non-state pension, you must do the following:

• visit one of the NPF offices;
• submit an application through the official website of the fund;
• see a fund specialist at work or at home.

When transferring from the Pension Fund to the Non-State Pension Fund "Obrazovanie", you must submit an application for OPS from the previous insurer. This can be done in person at the client department of the Pension Fund, as well as through a representative if he has a notarized signature of the insured person.

Under programs for co-financing and accumulation of non-state pensions, the client is required to make contributions independently. You can do this in the following ways:

• through branches of Sberbank of Russia using a receipt, which can be obtained at the cash desk or on the NPF website;
• by withholding part of the salary, for which it is necessary to draw up an application and submit it to the accounting department at the place of official employment.

In order to transfer maternity capital to NPF “Obrazovanie”, you must enter into a service agreement with the Pension Fund of the Russian Federation for OPS, and then draw up an application for transfer to the NPF. In this case, you must have an application for disposal of funds or part of them, a certificate, SNILS, and a Russian passport.