Many are interested in whether it is possible to increase the pension, and how to make pension payments larger. The opportunity to receive a non-state pension will come to the rescue here. Everything is simple: it is enough to conclude an agreement and fill out and submit an application to NPF Sberbank for the transfer of the funded part of the pension.

How to apply for transfer to NPF Sberbank

By applying to the NPF of Sberbank, you can choose an individual plan, frequency and amount of transfers. You can return 13% of investments by issuing a social tax deduction, and this is an amount of up to 15,600 rubles per year.

It should be remembered that since 2017 it is possible to transfer funds from fund to fund once every five years. Given this, it is important to choose a reliable NPF that will meet the requirements of depositors.

In order to make the transition to the NPF of Sberbank, you will need to contact the nearest branch of Sberbank or the non-state pension fund itself and consult with a specialist on the spot, fill out a sample application for the NPF of Sberbank and conclude an agreement. When submitting an application, you need to have a passport and SNILS with you.

You can fill out the form yourself using the application and come with a completed application for transfer to the NPF of Sberbank.

Is it possible to appoint heirs to pension savings

At the time of the conclusion of the OPS agreement, it is possible to add your heirs to it, if this has not been done, then before the start of pension payments, you can write an application for the appointment of new successors or change the list of existing ones. After that, it remains to certify it with a notary and send an application to the NPF of Sberbank. If the application was not submitted, then after the death of the depositor, the funds will be inherited by relatives in the order of priority established by the legislation of the Russian Federation.

You do not need to make a will for retirement savings.

Inheritance and payment

Assignees can apply with the established application to the NPF of Sberbank to receive pension savings in full or in part if the pension has already been paid to the insured person. This must be done within six months from the date of death of the insured person, otherwise you will have to prove your right to receive savings in court.

The savings are divided among the successors based on the share that was indicated in the application, if the application was not submitted or information about the share was not indicated, then it is distributed among the heirs who declared themselves.

Sample application of the successor to NPF Sberbank

In order for assignees to receive pension savings, they will need to contact NPF Sberbank personally, or prepare the required documents and an application filled out according to the model, certify them with a notary and send them by mail.

The list of required documents includes:

• successor's passport;
• a document confirming the relationship with the deceased;
• death certificate;
• SNILS of the deceased.

The Fund is obliged to consider the application no later than 7 months from the date of death of the insured person and send a decision on granting or refusing payment within 5 days after that. The payment will be made no later than the 20th day of the month following the date when the NPF of Sberbank made the decision.

Conclusion

Having decided to transfer your pension savings, it is enough to apply for transfer to the NPF of Sberbank. This will increase your future pension, allow you to return part of the investment and choose a convenient plan that suits a particular person. Moreover, by immediately entering the heirs at the registration stage, it is possible to simplify the receipt of savings by relatives in the future.

Prosperous old age is a healthy desire of a person. An official job in a prestigious company plus a monthly deduction to a personal account of a reliable bank is the key to a happy future. NPF Sberbank was chosen by about 5 million people in Russia. Registration in the online personal account of the site allows you to track the amount of savings and independently calculate the monthly pension after the end of your career.

Advantages of NPF Sberbank

In the mid-1990s, Sberbank became the first financial institution to open a non-state pension fund. NPF is a non-profit company dealing with voluntary contributions of Russians.

The client of the bank, by personal consent, confirms the monthly deduction of funds to a personal account, which he will be able to use upon retirement. The banking system is perfect for Internet use.

On the NPF Sberbank website online in your personal account, you can view the status of transactions and the number of accumulated Money after registration is completed.

Sberbank of Russia has become a guarantor of stability for many Russians. Investing in the future of the population has become the main task of the company. Since the first year of its foundation, the NPF of Sberbank has united more than 4.5 million depositors. Customer growth statistics only confirm the advantages of the fund:

• reliability of accounts — the terms of the contractual agreement are clearly regulated and insured for the safety of users,
• the availability of an Internet service and operational phased authorization on the bank's website: NPF Sberbank online - personal account - registration,
• confidentiality personal information- login and password to enter the account, the amount on the account is strictly classified to third parties,
• ease of use of the NPF Sberbank service interface - the client can edit data and change access to the personal account of NPF Sberbank online,
• confidence in the safety of the fund's funds - the site system guarantees the preservation of the entire amount in the account, even in case of possible breakdowns on the website.

If at the moment you are not a client of NPF Sberbank, you can register and start account in the personal account of the fund. This will give you the opportunity to familiarize yourself with the information that will be provided to you in the public domain after the official conclusion of the contract and registration in the system.

How to register in your personal account

A non-state pension contribution is made in two ways: by being present in person at a bank branch and on the website using the Personal Account. The second method is identical to the first in terms of its safety and efficiency of the operation.

The start of crediting funds to the account should be online registration on the page of NPF Sberbank. The procedure does not require highly specialized knowledge of banking and takes 3 minutes.

Registration instructions

For a quick search in the browser line, you must enter the NPF Sberbank personal account, register online and go to the official address of the fund http://www.npfsberbanka.ru/. Next, follow the algorithm:

• click the button in the top right corner of the screen Personal Area;
• the site will offer to log into an existing account or register online, select the latter option;
• at the next stage, fill in the empty fields with contact details - email address (in the future it will be used as a login to enter the NPF personal account), password (in Latin letters and numbers of at least six characters), re-password, full name (as written in the passport), date of birth (in this order - 01/01/1980), phone number, passport details, SNILS (11-digit code from pension insurance);
• confirm the entered information by indicating the captcha - the code from the picture (if the numbers are illegible - refresh the page);
• put a mark "I agree" next to the item "I agree to the processing of personal data";
• check the box “I agree to receive SMS from the bank” (optional);
• check the completed lines for correctness;
• click the Next button.

After you have managed to register in your personal account, you can easily change your information in the "Client Profile"

When registering, select "Security question", which will be the access code in case of loss of personal data to enter the site.

Login to the NPF website

The login and password for entering the personal account of NPF Sberbank online are purely personal data. It is not recommended to disclose them to third parties and employees of Sberbank. Bank employees also do not have the right to request such information from the client.

The final step, which allows you to finally register and enter the personal account of NPF Sberbank, is to enter your last name. It is written in Russian letters. Afterwards, click Next.

Registration of the Personal Account is completed by clicking on the link sent to the client's mail. In the mailbox, a letter with a link will be sent on behalf of [email protected] If not in the mail, wait 3 minutes. By clicking on the contents of the letter, the user finally confirms his account. From that moment on, he has access to the NPF Sberbank online program and personal account.

Conclusion

NPF Sberbank online through your Personal Account is a convenient way to make deposits in the future. The company's program and its Internet service are designed to the smallest detail so that the depositor can quickly register in the Personal Account and track the state of their savings.

It is a partner bank of the state pension fund.

On the basis of this, citizens who have issued a funded pension could transfer the funded part to it in order to further increase it.

It will be useful for those who have signed a transfer agreement to find out when and under what conditions the accumulated funds can be issued to them. Below we will cover this issue in detail so that the reader does not make a mistake when performing this procedure.

The possibility of withdrawing the funded part of the pension in Sberbank

The activities of NPF Sberbank are regulated by Federal Law No. 75 "On NPF".

In accordance with it, the fund undertakes to pay funds from the funded part to citizens who have grounds for receiving it.

Despite the moratorium on the funded part introduced in 2014 by the Government, citizens who have grounds for receiving it can receive money one-time or monthly.

If your funded part was transferred to Sberbank, you can receive it all at once or in installments on a monthly basis.

Read about how to transfer the funded part of your pension to Sberbank.

Consider the cases when a person can receive a funded part in the NPF of Sberbank:

• if he retired, and it does not matter, ahead of schedule or in accordance with the generally established procedure;
• if he receives state benefits, disability benefits, bereavement payments or is entitled to other state material support.

The amount of pension in Sberbank at the time of payment is calculated taking into account investment income for the entire period of the agreement with this fund. can:

1. in your personal account on the official website of the NPF Bank;
2. at the nearest branch of the bank;
3. at the main office of the NPF.

To apply for information of interest, you need only two documents - a passport and SNILS.

You can get advice on receiving payments through the free NPF hotline.

Conditions and grounds

You can get the accumulated part in Sberbank in several ways: at a time, monthly in equal parts throughout life and monthly for 10 years. Let us consider in more detail the conditions and grounds on which these types of payments can be received.

Lump sum payment

This type of payment implies the withdrawal of all accumulated funds from your personal account. Those wishing to receive the full amount must have reached retirement age.

Also, money can be paid to those who have become pensioners ahead of schedule.

Who can count on receiving funds at once:

• disabled people;
• disabled citizens whose breadwinner has died;
• citizens who have not completed the minimum work experience.

Also, persons whose savings amount is at least 5% in relation to the amount of labor pension can count on a one-time receipt of money.

The receipt of all funds in one payment is also due to the relatives of the owner of the personal account, who died before the appointment of the insurance payment. This type of pension is inherited by law and by will.

If the account holder during his lifetime applied to Sberbank for the appointment of heirs at his expense, then after 6 months the persons indicated in the application will be able to receive the money of the deceased.

If, after withdrawing money from your account, you continued to cooperate with NPF Sberbank, accumulating funds in it, you can re-apply for a lump sum payment after 5 years.

If such a will was not written, then the funds are paid in a lump sum to the heirs of the first stage - the wife (husband), children or parents. To receive a one-time payment, the assignee must submit an application, passport, SNILS, death certificate and work book of the deceased to NPF Sberbank.

You need to contact the bank no later than six months after the death of the owner of the pension. The successors will be able to receive the money 6 months after the death of the testator.

Urgent

This type of payment can be accrued to persons receiving an old-age insurance pension.

It is assigned if there are the following types of savings on the account:

1. return on investment;
2. employer contributions (6%);
3. money contributed under the co-financing program;
4. maternity capital money;
5. other contributions transferred by a citizen from the personal budget.

Urgent payment is made in the form of equal monthly accruals and lasts at least 10 years.

Lifetime

The funded part is paid for life to citizens who have retired or receive the insurance part ahead of schedule. It is assigned if its size is more than 5% in relation to the value of the insurance pension.

Until 2016, this payment could be accrued throughout a person's life, but not more than 19 years. At the moment, the duration of payments is determined every year on the basis of data on the average life of pension recipients.

Required documents for obtaining

Payment of funds is made on the basis of the following documents:

• the passport;
• insurance certificate;
• pensioner's certificate;
• bank account number to which the money will be credited;
• a document from the FIU on the work experience;
• death certificate (if the recipient is the heir of the account holder).

Registration of the procedure

You can make a payment in two ways:

1. go to the bank branch and provide an application, originals and copies of documents;
2. send copies of documents by registered mail or send them to the fund's email address (in this case, the papers must be certified by a notary).

If you meet the conditions for receiving a payment, you can contact Sberbank with documents and an application. The application template can be downloaded on the bank's website in your personal account or filled out at a branch of the institution.

The term for consideration of the application is 7-10 days.

If we are talking about a one-time accrual of funds, then the period can be up to one month.

As soon as the application is approved, the Sberbank fund will pay the funds.

Accruals (both one-time and monthly) can come at the request of the insured person in the following ways:

1. Through mail.
2. Through the organization of delivery. The service is paid, but the money will be brought immediately to the address of the recipient.
3. To a bank account. This method involves withdrawing money at the bank's cash desk or from a card.

Everyone has the right to decide whether to deduct pension funds to the state FIU or use the services of non-governmental organizations. You can find out detailed recommendations about the funded part of the pension in, as well as which ones, on our website.

Despite the moratorium on funded pensions, funds from the funded part can be received at the NPF at any time subject to the conditions of appointment and the existence of grounds for this.

It's time to decide who to entrust the disposal of your pension savings to prevent a decrease in cash receipts to your individual personal account. Choose a non-state pension fund - not an easy task. Be sure to get information about the term of its work in the pension market, the presence of large companies among the founders, information openness and activity of the fund, as well as evaluate the results in terms of key performance indicators.

One of the main criteria for choosing a non-state pension fund is also its full transparency. You should be able to know at any time how much money you have and how it changes over time. For example, information on the status of a personal pension account with the NPF of Sberbank can be quickly obtained through the Sberbank Online Internet banking system.

Pension contributions under full control

To do this, as well as to perform most other transactions online, you must have a universal banking service agreement (UDBO). In addition, in a Sberbank division convenient for you, you need to issue a special application for registration in the PFR information exchange system, after which the Pension Fund tab will be displayed on the main page of your “Personal Account” in the Sberbank Online system. Then you just have to sit down at the computer, make a few mouse clicks, and the data on personal account will appear on your screen.

1. Log in to the Sberbank Online system and select the tab mentioned above.
2. In the window that appears, click Get statement.

   

3. The page will open Application for an extract with your passport details. Click Submit.
4. You will be taken to the transaction confirmation page. If you haven't changed your mind, click the Confirm button.

   

5. The system will display the message “Application successfully sent to the bank!”.

   

6. Now return to the main page. In the list of recent transactions in the "Pension Fund" tab, you will see information about your request and its status. When the request is completed, a link will appear next to the corresponding status View statement.

   

Click on it - and in front of you detailed information about the amounts credited to your retirement account. In the future, you will be able to view previous requests and statements generated by them, setting a search for a week, month, or a specific period.

Agree, it is much more convenient, reliable and faster to use this service than to wait for a letter from the pension fund to appear in your mailbox. Of course, if you need documentary confirmation of the replenishment of your pension account, you can get it from the Pension Fund of the Russian Federation.

NPF Sberbank acts as a reliable non-state fund that allows you to increase the funded part of the pension. Let's consider how to make a transfer to the NPF of Sberbank, the features of the proposed individual plans, the level of profitability of the fund and other aspects necessary for interaction.

Why transfer the funded part of the pension to NPF Sberbank

To date, more than 7.8 million citizens have already made a transfer to the NPF of Sberbank, which confirms its attractiveness for the population. NPF Sberbank in 2016 and 2015 recognized as the market leader among NPFs, and also confirmed the AAA reliability rating (maximum). PJSC Sberbank is a shareholder of the company.

Reliability is also evidenced by the investment policy of NPF Sberbank, which provides for deposits only in reliable securities. This is confirmed by the profitability, which is steadily growing, exceeding the inflation rate.

Only the funded part formed for 2014 can be transferred to NPF Sberbank. Recall that until that time, each employer sent contributions to the Pension Fund for each employee - 22%.

They were divided into the insurance part - 16%, and funded - 6%. The first is obligatory for the formation of a future pension, and the second could be disposed of in order to increase it - to invest in NPFs. At the same time, the first was converted into points, and the second remained in monetary terms. In 2014, such distribution was suspended, and today all 22% are directed to the insurance part.

Citizens who have resources in the funded part can decide whether to leave them in storage in the Pension Fund or transfer them to a structure where it will be increased through investment.

You can find out how much a citizen has on the PF website in the Personal Account.

How to switch to NPF Sberbank

When applying for a transfer to the NPF of Sberbank, you need to understand that the procedure has certain features. In particular, it is not required to visit the PF, everything happens at Sberbank. The order is pretty simple:

1. Visit a branch of Sberbank or an office of NPF Sberbank. You need to have a passport and SNILS with you.
2. Apply for a transfer.
3. Signing an agreement.
4. The transfer takes place next year until March 31.

If the money is saved in another NPF, the transfer procedure is similar.

There are situations when a person does not know exactly where his money is. in this case? You can check this directly with Sberbank. Once a year such information is provided free of charge. You can also order an extract from the PF or on the State Services portal.

The profitability of NPFs in 2017 amounted to 9.4%. Looking at the charts posted on the Sberbank website, you can see a constantly growing trend:

So, in 2018, they predict an increase in profitability by 0.5%.

Features of savings

The NPF website has a calculator that allows you to calculate the profitability of Sberbank NPF according to its own indicators.

Based on the given conditions, the calculator will show what the funded and non-state pension will be.

For the latter, you will need to draw up an individual plan by choosing one of the proposed directions.

Profitability depends mainly on the amount of salary and on the part of it that the client is willing to transfer. You also need to understand that the sooner the transition is made, the greater the amount the pensioner will receive in the future.

Tax deduction

The second opportunity for profit is the right to issue a tax deduction. It is 13% of the total investment. Maximum amount, to which the deduction is applicable - 120 thousand rubles.

To receive it, you need to prepare the following documents:

• Passport, SNILS;
• personal income tax-2;
• personal income tax-3 (in the presence of additional declared income);
• Agreement with NPF Sberbank;
• Copies of checks or payment papers confirming the deposit of funds.

An application is also made. You can submit papers to the tax office or directly to the employer. In the first case, the deduction will be paid in a single payment for the year, in the second case, it will be provided along with wages on a monthly basis.

Regardless of the total amount of the calculated deduction, a citizen cannot receive more than 13% of his salary per month (or in terms of a year). Therefore, the return can take several years if it is a significant amount.

Individual pension plans

It will help to form pension savings and improve the standard of living in the future

These funds cannot be collected and divided upon divorce, which is noted in the NPF Sberbank agreement, but they can be inherited.

Universal

For the Universal program, the following conditions apply:

• First investment: from 1.5 thousand rubles;
• Contributions: from 500 rubles;
• Periodicity: arbitrary;
• Duration: from 5 years.

After the end of the agreed period, the client receives his contributions, as well as the income generated during this time.

Guaranteed

When choosing this option, the citizen chooses the amount of pension contributions he needs. Based on this parameter, indicators are assigned: initial and subsequent deposits, regularity of replenishment.

The repayment term is at least 10 years.

Complex

It implies the transfer of the funded part of the pension to the NPF Sberbank with the right to replenish it in any order. Upon completion, both funded and non-state contributions are paid. Minimum program limits:

• Initial investment: from 1000 rubles.
• Replenishment: from 500 rubles.
• Regularity of replenishment: at your discretion.
• Receipt of payments: from 5 years.

IPP registration is provided online. To do this, you need to define the program and click Apply, after which you will need to fill out an application. To do this, you must have a passport and an international card. A simplified procedure is provided for users who have a verified account for the State Services.

How to register in NPF

Registration instructions

You can do it yourself by following these steps:

1. Go to the site, click on Register.
2. Enter your email address and create a password to log in.
3. Write down personal data, date of birth.
4. Specify a mobile phone.
5. Enter your passport information.
6. Check all the data, confirm (enter the numbers from the picture).
7. Read the user agreement, tick the consent box.
8. Check the box if you want to receive messages from Sberbank with various kinds of information.
9. Write down the last name.

After registering on the site, you should wait for an email from Sberbank. You need to follow the link contained in it to confirm your identity. After that, the registration procedure is considered completed, and the client can use the Personal Account.

Features of the Personal Account

Everyone is offered to register in order to receive all the details about the state of their resources. Also, the Personal Account of the NPF of Sberbank allows you to:

• View details of pension account transactions.
• Control the order of accruals, monitor profitability.
• Pay fees remotely.
• Issue IPP, change them.
• Print applications of the successor, to change personal data, etc.
• Consult with a specialist.

To find out how much has accumulated, just go to your Personal Account and see information on a specific account.

Features of receiving payments

After retirement or at the end of the agreed period, according to the IPP, you need to contact Sberbank and submit an application.

Application for payments to a client of NPF Sberbank

It is previously recommended to find out the amount of savings in the office or online. The first money transfer occurs within 30 days after the application is submitted, subsequent - monthly in the prescribed manner. Receipt takes place on the account in Sberbank.

If the total amount (account balance) does not allow paying the monthly minimum amount prescribed by law, payment is due quarterly.

After the appointment of non-state contributions, Sberbank issues the so-called pension book, which looks like a plastic card.

Application for payment to the successor

If a citizen who forms savings in NPF Sberbank dies before reaching retirement age or before the end of the IPP contract, the assignee applies for them.

He will need to submit an application for the successor to NPF Sberbank, where to indicate:

• information about the deceased;
• the degree of kinship and the reason for recognition as a successor (by law, by contract, etc.);
• personal and passport data of the assignee;
• contacts;
• method of receiving savings and details (if necessary);
• information about the relatives of the deceased.

The successor must bring with him identification documents confirming kinship (marriage certificate, birth certificate), death certificate, as well as a document indicating the insurance number of the deceased.

Terminate the contract

If at some stage there is a need to terminate the contract with NPF Sberbank, an appropriate application should be written. By law, you can change the NPF once a year (not more often).

To terminate the contract, you will need to indicate to which NPF you want to transfer funds, and its details are full. When changing the NPF, a person incurs some losses. In particular, profit is not accrued for a full year, and a commission is paid for making a money transfer.

The client also has the right to request the transfer of savings to a bank account. At the same time, tax is withheld from it.

If the IPP contract is prematurely terminated, the procedure for issuing money is:

• After 2 years: own funds are returned in full, and income in the amount of 50%.
• After 5 years: both the profit and your investments are issued in full.

Conclusion

To transfer your savings to NPF Sberbank, you just need to go through a simple procedure at the office of a bank or fund. Sberbank invests them for the purpose of growth, which can be controlled by registering in the Personal Account. NPF Sberbank also offers to choose a program for the formation of a non-state pension in order to ensure a familiar lifestyle in the future.