Safe, simple and profitable: 5 reasons to invest with a non-state pension fund

What is NGO

Private Pensions (NGOs) is a term that can be intimidating in its seriousness. But in reality, there is nothing difficult here. This is a simple, proven over decades, convenient and, most importantly, reliable way of long-term investment. The main goal of the NGO is to create personal pension capital and receive an additional, non-state pension. At the same time, the accumulated funds belong to the client - he himself decides how and when to use them.

After a client opens an NGO account and makes an initial pension contribution, an individual retirement account is created in his name. You can replenish it in any amount and at a convenient frequency. The non-state pension fund (NPF), with which an agreement has been concluded, invests the money received from the client and, at the end of each year, accrues income to him.

Funds can be withdrawn at the moment when they are needed, or received in the form of regular payments. Moreover, the total amount consists not only of independently accumulated money: the annual income from investment is also added to it.

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Why you should start saving with NPF VTB Pension Fund

1. This is a risk-free investment with passive income.

Passive income is a type of income that does not require active action to receive. Funds are credited to the owner's account regardless of his age, health status, presence or absence of work, business and other factors. Unlike active income, when a person gets paid while he does something, with passive income money is earned without his participation.

NGOs will not only help to save money, but also make them work so that they bring additional profit. It happens like this: the client makes contributions and replenishes his retirement account, and the fund invests the funds received and calculates income for its contributors.

The advantage of such a system is that financial professionals are engaged in investments, and the client does not need to understand the details of this issue himself. Unlike, for example, personal management of funds placed on an individual investment account, in the case of an NGO there is no risk of losing savings: the amount accumulated on the account will not decrease.

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2. This is a reliable way to generate additional income

By investing in an NGO, the client can be sure of the safety of such investments, because the activities of the NPF are strictly regulated by the state. According to the federal law "On Non-State Pension Funds", such organizations must go through a strict registration procedureArticle 5 of the Federal Law No. 75 of 05/07/1998 (with amendments and additions that came into force on 10/18/2021) and licensingArticle 7.1 of the Federal Law No. 75 of 05/07/1998 (with amendments and additions that came into force on 10/18/2021). You can check whether the NPF has a license in a special state register.

When choosing a fund, you can focus on its credit rating. For example, at NPF VTB Pension Fund it is assessed by Expert RA, a credit rating agency accredited by the Bank of Russia. The Fund assigned ruAAA rating is the highest level of creditworthiness and financial stability. The rating of maximum reliability has been used by NPF VTB Pension Fund since 2012.

In addition, the number of clients who trust the organization is steadily increasing. In the third quarter of 2021, it reached three million people, while the number of participants in NGO programs increased by one and a half times - an increase compared to the same quarter of 2020 was 50.3%.

3. It is a transparent system with an understandable calculation.

The fund's website has a convenient calculator, which will give an idea of ​​the effectiveness of the program and help you choose the appropriate amount of contributions. Enter your age, determine the amount of the initial deposit, select the frequency and amount of subsequent contributions, as well as the period of time during which you want to receive payments.

You can adjust the terms of the calculation and monitor the change in the size of payments. For example, compare what happens if you start saving at the age of 25 and 40, all other things being the same:

This difference in payments is not only due to the fact that your contributions will go to the fund 15 years longer. It is also important that the funds deposited will begin to be invested earlier, which means they will be able to bring more income. This should also be taken into account when planning your account replenishment. With monthly contributions, the amount that will accumulate on it will be higher than with annual contributions.

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4. It is a flexible savings system

A program close to NGOs to create your own comfortable future is a system of end-to-end life insurance. Here's how it works: you enter into a long-term contract, pay annual contributions, and at the end of the term you receive the accumulated amount and, possibly, investment income.

But the system of endowment life insurance implies that the amount of contributions and their frequency are set at the time of signing the agreement. Deviation from the payment schedule can lead to serious penalties, up to and including termination of the contract. In the case of non-state pension provision, the client himself chooses when and how much to deposit into the account, without the risk of facing penalties.

And the payments formed under the NGO program can be received 5 years earlier than the state pension: for women - at 55, for men - at 60. V calculator on the website of the NPF VTB Pension Fund it is easy to calculate what additional income can be counted on in this case.

5. This is a convenient opportunity to take care of yourself.

In accordance with the Federal Law "On Non-State Pension Funds", pension contributions meanArticle 3 of the Federal Law No. 75 of 05/07/1998 (as amended. and additional, entry. in force from 18.10.2021) funds paid by the depositor in accordance with the terms of the pension agreement. These receipts, as well as the fund's income from their placement, are the exclusive source formation of the fund's pension reserves - target funds from which will be formed non-state pensions.

The law prohibits the use of pension contributions for purposes other than the formation of pension reserves. In practice, this means that your pension capital at the stage of accumulation is not subject to division in case of divorce and collection from third parties. And you also have the right to transfer the accumulated funds to legal successors, whom you can assign arbitrarily.

Track your savings in NPF VTB Pension Fund through the "Personal Account" online - at any time from anywhere in the world it is easy to check how much money is on the account. For the convenience of customers, there is a mobile application that is always at hand, a round-the-clock support service works, and you can regularly replenish your pension account using the "Auto payment" function. To deduct several thousand rubles from your salary every month is a simple habit that can ensure a calm and dignified future.

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NPF VTB Pension Fund JSC. License - No. 269/2, issued by the Federal Financial Markets Service on October 18, 2007.