Today we will be presented with an organization called "Welfare" (non-state How to take money from there? What could be the consequences? What do clients think about this company? Can you trust it? Or will you have to find some other organization for your pension savings? About everyone The nuances of terminating a contract, transferring funds and other important issues will have to be learned based on numerous reviews about the company. But it will not be possible to quickly come to some kind of common opinion. Why? This is very difficult to do. Especially when it comes to finances. Some are satisfied with the service, while others, on the contrary, are dissatisfied. In addition, some are faced with a variety of non-standard cases. And they also have an impact on the opinions of clients. Since taking away "Welfare" provides such an opportunity, but with certain conditions and features. You will learn about them further. Just like answering the question: can you even trust this fund with your money?

Activity

The first thing you should pay attention to is the activities of the organization. Oddly enough, it is extremely important for many. It's always nice to understand what kind of company we are dealing with. It is clear that our organization today is related to finance to one degree or another. Only her activities are considered very important at the moment.

Why? NPF "Future" ("Welfare") - It was renamed into NPF "Future" in June 2015. He is engaged in collecting, preserving and increasing your money. But only if we are talking about That is, it helps in ensuring your old age. There is nothing suspicious about this. Therefore, reviews regarding the corporation’s activities are more encouraging. No deception, everything is transparent and understandable. But some are interested in how to withdraw money from the NPF Blagosostoyanie. This will have to be looked into thoroughly. Otherwise, you may be left without any means of subsistence at all.

Luring

Initially, of course, you will be lured by all means into our current organization. And they say that you need to take care of pension savings from the age of 18. This scheme works 100% with young people. Thus, the company attracts new clients. But no one talks about the details of the financial transactions that may await you ahead.

What do they promise? Anything to get attention. High profitability, simple and favorable conditions, the ability to terminate the contract with the company at any time without any serious consequences. In general, as clients assure, they will lure you here with all their might. If only you don’t think about how to stop communicating with the Blagosostoyanie company (non-state pension fund). How to get money from here? Over time, this question begins to worry many. And all this despite the promises of the fund. Why does this happen? And how to carry out this process correctly?

Voluntarily

To understand this fully, you need to consider the position of the company's management. The whole problem is that a very interesting scheme is used here: the pension savings that the client makes are his money, his voluntary contributions. That is, in fact, you will be the owner of the account. And only you can manage the money. And “Welfare” is something like an intermediary between you and the state. A kind of guarantor of pension preservation.

Just why are citizens increasingly thinking about withdrawing money from this pension fund? There are reasons for this. We will also learn about them further. In general, if the client’s investment in the organization is his money, his voluntary contributions, then you can withdraw it at any time without any problems. In practice, a completely different picture emerges. What features await us?

If you have joined

Are you already a client of our organization today? Having joined the non-state pension fund "Welfare", you will have to prepare for a huge number of features and other nuances that require clarification. Especially if you want to switch to another pension fund or withdraw money altogether.

The most interesting thing is that many clients have no idea that they are part of the organization. Such cases are becoming more and more common every day. In fact, you are obliged to make If you want to change your pension fund, get ready for a lot of problems. They are often kept silent about them. But if everything were that simple, no one would ask: “I want to withdraw money from the NPF Blagosostoyanie. How to do this?” It doesn't matter how you found out that you became a member of the organization. Now you will have to try hard to get your money back.

Cash

Many people believe that resolving this issue will not be difficult. It is enough to simply terminate the contract with the organization. On the one hand, this is true. But the termination process has a huge number of rules and pitfalls. Failure to comply with these will make it impossible to return your money.

It is noted that very often you will be told that you can receive your pension savings portion in cash. Many people rejoice after such promises. In fact, it's just a hoax. This is how they lure gullible and naive clients. Remember one important point if you decide to open a future pension account. You can deposit funds into the non-state pension fund "Blagosostoyanie", but you will not see them in the form of cash. At least until you retire. At the moment, the legislation of the Russian Federation does not provide for payment of pension savings in advance, and even in cash.

Other fund

Exit from NPF "Blagosostoyanie" is possible at your own request. Moreover, the process itself does not require any special features from you, as clients note. But as soon as the issue concerns money, problems begin.

The thing is that, as a rule, you can leave one pension fund and move to another. And it doesn’t matter which one - state or not. Only under this condition is it possible to somehow withdraw the accumulated funds from “Welfare”. There is no other option.

If you decide to transfer, you need to declare this. It is enough to write in free form a statement about leaving one organization, as well as about starting work with another. And after this, as a rule, it is possible to take away the funded part of the pension for further transfer to one company or another. But not everything is so simple for NPF "Future" (NPF "Welfare"). - This is generally a dubious association. Many citizens generally recommend staying away from them. After you have completed your application to leave the company and join another, just wait for a response. You will be notified in writing of the possibility/impossibility of your transfer, indicating the reasons.

State

You can also return to the generally accepted pension savings scheme. That is, to state co-financing. Not the most common occurrence, but it does happen. Do you want to take money from “Welfare” and transfer it to the state account? According to reviews, this process will also not take much of your time.

What will you need? Again, a statement. Only here you will also have to add information about your registration. That is, to prove belonging to one or another branch of the Pension Fund of the Russian Federation. The application is then considered for some time. And a notification with a response is sent to you. If all is well, you can transfer funds from your Welfare account to the state. This is done by the organization itself; you will not see these operations. Exactly the same as cash.

By the way, you can change pension funds only once a year. Having joined the non-state pension fund "Blagosostoyaniye", you will have to wait some time. Has there already been a change this year? Then there is nothing to hope for. You will be denied both termination of the contract and transfer of the funded part of the pension. And on legal grounds, you shouldn’t be surprised.

I don't see money

Are you interested in the organization "Welfare" (non-state pension fund)? How to withdraw money from there under certain circumstances? It all depends on what kind of case is being considered. No one will let you pick up the transferred funds just like that, in the form of cash or bank transfer. This is impossible and prohibited by law. You can write an application to transfer the funded part of your pension to another fund. This is the only way to withdraw savings.

What’s remarkable is that you can, in principle, withdraw your money in the form of cash. Only this option often turns out to be irrelevant. Why? Because you will be able to complete this business only after retirement. Pensioners have every right to withdraw their funded portions upon application with the presentation of a pension certificate. There is no longer any chance of actually seeing and even holding in one’s hands the voluntary contributions made to the non-state pension fund “Blagosostoyanie”.

Expectation

An unpleasant surprise for fund participants - payments. Moreover, both for pensioners and in case of transfer to another organization. Many clients complain that they are simply deceived. And you have to wait for money for a very, very long time.

Do you want to refuse the services of the company "Welfare" (non-state pension fund)? How to get money from here? You need to think ahead. Only by worrying about writing the appropriate statement in advance will you be able to get your money back on time. Many people claim that they have to wait 3-4 months for payments. Of course, during this period you will not receive any additional accruals in any fund. An unpleasant moment that no one warns about.

Failures

The most interesting thing is that “Welfare” is doing its best and trying not to let its clients go. Here, as the participants assure, a very interesting and simple scheme is used: you are simply refused to terminate the contract for one reason or another. Either the application was written incorrectly, or the conditions for transferring to another pension fund were not met. In general, some people get tired of this situation, and they remain in the “Welfare” organization.

If you really intend to leave the fund, you will have to prepare to do so with a fight. A few complaints, repeated applications and a long wait for the transfer of funds - and you will achieve your goal. Just keep in mind: in the year in which you leave the corporation, you will receive almost no profit. For many, these are insignificant losses, but they are worth knowing about.

So “Welfare” doesn’t get the best reviews. Although this is a reliable company, it is extremely difficult to regain the funded part of your pension here. There are only two options: either transfer from the account to another non-state fund, or to a state fund. As a last resort, you can take the money when you reach retirement age. By joining a non-state pension fund, you still take risks. Think carefully before joining Welfare.

The management of the East Siberian Railway stated that it has nothing to do with the NPF Blagodentstvo, and, accordingly, does not bear any, including moral, responsibility for the 80 thousand investors, mainly railway workers, who entrusted their money to the fund.

Let us remind you that the Central Bank recently revoked the license of the non-state pension fund Blagodenstvo. The sudden collapse of a fund with a 20-year history came as a shock to many Russian Railways veterans, who made up the lion's share of investors. There is a high probability that many of them will never get their money back.

Respublika asked for comment on the revocation of the license from the NPF Blagodenstvie, which operates the Eastern Railway in Irkutsk. In particular, we asked whether the management of VSJD considers itself partly responsible for the tens of thousands of people who at one time trusted the corporate NPF. A significant part of investors are active pensioners who receive so-called non-state pension provision - a significant increase in the state pension. According to analysts, these people will most likely not receive any compensation. Since the balance of NPF “Prosperity” after analysis and comparison is likely to be zero.

The official response from the department states the following: “East Siberian Railway is a branch of JSC Russian Railways, does not have the status of a legal entity and cannot act as a founder of a commercial organization. NPF Blagodenstvie has been independently carrying out its financial and economic activities since 2003. For questions regarding the activities of NPF Blagodenstvie OJSC, please contact the fund’s management.

Meanwhile, in the history of the fund, which was published on the official website, VSJD plays a key role.

On September 20, 1994, the Founding Agreement of the NPF “Prosperity” was signed. The initiator of the creation of the Fund was the East Siberian Railway in the person of the head of the road Komarov G.P., the deputy head of the road Kautz V.E., who then worked as the head of the economic service, and Sidorenko V.D., who worked as the head of the Financial service. The initiative was supported by the Road Committee of the trade union, represented by the former Chairman of Dorprofsozh, and now the Chairman of the Board of Trustees of the fund, E.I. Orlov, and the insurance company VostSibZHASO, represented by General Director Yu.A. Berengolts. and OJSC East Siberian Transport Commercial Bank represented by the Chairman of the Board, Rumyantsev I.I. Even then, the future founders were able to see the need to create the Fund as one of the most important conditions for increasing the social security of VSJD workers and all residents of the region.

On October 6, 1994, by the decision of the Registration Chamber of the Administration of Irkutsk, the Non-State Pension Fund “Blagodenstvie” was registered. Deputy Head of VSJD V.V. was elected as the first head of the fund’s supreme governing body – its Council. Demeschik.

The founders became the first investors in the fund as legal entities, and the managers of the road set an example for other employees and became the first participants in the fund. The Foundation was allocated the necessary premises, means of communication, and was given the opportunity to speak at conference calls, meetings, conferences, and operational planning meetings. A policy of material incentives for VSJD workers was developed, who entered into individual agreements with the fund, according to which, at the expense of the railway’s profits, railway workers were exempted from paying an entrance fee, and additional funds were annually credited to their accounts in proportion to the amounts personally contributed.

At the same time, the fund was given clear tasks to involve the majority of road workers in the fund's membership in the shortest possible time. To do this, at an accelerated pace, the Foundation had to develop a network of its branches and representative offices on the road. At the same time, the fund was open to other residents of the region.

1. NPF Prosperity has become bankrupt, how can I get my money back, which should be paid to me within 5 years, since I have been a pensioner since July 2017? I was told to write a letter to the Deposit Insurance Agency and find out if I am included in the register for payment.
Is this really true?

1.1. In accordance with the decision of the Arbitration Court of the Irkutsk Region, the operative part of which was announced on January 16, 2019, in case No. A 19-27545/2018 Open Joint Stock Company Non-State Pension Fund Blagodenstvie (OAO NPF Blagodenstvie; hereinafter also referred to as the Fund ), OGRN 1143800000013, TIN 3808577700, registered at the address: 664011, Irkutsk, st. Rabochaya, 3, bldg. B has been declared insolvent (bankrupt), and bankruptcy proceedings have been opened against him. The powers of the bankruptcy trustee are exercised by the state corporation “Deposit Insurance Agency” (TIN 7708514824; address: 109240, Moscow, Vysotskogo St., 4) (hereinafter referred to as the Agency).

In order to participate in a bankruptcy case, creditors have the right to submit their claims to the Fund within two months from the date of publication of this message in the Kommersant newspaper. The bankruptcy trustee takes into account the received claims in the register of stated claims of creditors, which is subject to closure after the expiration of the above period.

The claims of creditors included by the liquidator in the register of creditors' claims (hereinafter referred to as the Register) of NPF Blagodenstvie OJSC during forced liquidation are considered established in the amount, composition and priority of satisfaction, which are determined in accordance with Federal Law of October 26, 2002 No. 127- Federal Law “On Insolvency (Bankruptcy)”, and are included in the Register in the bankruptcy procedure.

In other cases, the claims of creditors are sent to the bankruptcy trustee with the attachment of judicial acts or other original documents that have entered into legal force or their duly certified copies confirming the validity of the claims, as well as to the Arbitration Court of the Irkutsk Region and the Fund.

Claims of creditors, as well as other postal correspondence are accepted by the bankruptcy trustee and the Fund at the address: 127055, Moscow, st. Lesnaya, 59, building 2.

When filing claims, the creditor provides information about himself, including last name, first name, patronymic, passport details (for an individual), name, location (for a legal entity), as well as bank details (if available). In addition, it is recommended to indicate the date of birth, postal address, insurance number of an individual personal account (for an individual), TIN (for a legal entity) and contact telephone number (if available).

Information on the progress of bankruptcy proceedings in relation to the Fund can be obtained on the Agency’s official website on the Internet information and telecommunication network (www.asv.org.ru, section “Liquidation of Non-State Pension Funds”) and by calling the hotline: 8-800-200-08 -05 (all calls within Russia are free).

2.1. Good day to you. If you want to transfer to a state PF, you need to write an application to the PF at the place of registration. Good luck and all the best.

2.2. You need to write an application to the Pension Fund, it should be written in two copies, and the receiving party must sign your copy.

3. How to return money from NPF "Prosperity"? Savings part.

3.1. Hello! The powers of the liquidator are exercised by the state corporation “Deposit Insurance Agency” (TIN 7708514824, address: 109240, Moscow, Vysotskogo St., 4) (hereinafter referred to as the Agency).

In accordance with paragraph 2 of Article 187.11-1 of the Federal Law of October 26, 2002 No. 127-FZ “On Insolvency (Bankruptcy)”, from March 27, 2017 to April 3, 2017, settlements will be made at the expense of the Fund’s pension savings with the Central Bank of the Russian Federation, in in the amount of 0.88% of the amount of unsatisfied claims, by transferring funds to the bank account details specified by the creditor.

Information on the procedure and conditions for making payments can be obtained by calling the hotline: 8-800-200-08-05 and on the Agency’s official website on the Internet.

4. How can I return the money from my deposit in the NPF Prosperity if in the 1st quarter of 2015 I was credited with 1,200 rubles monthly for 5 years, but I received this money only for less than a year?

4.1. Good afternoon.

5. How can I return the money from my deposit in the NPF Prosperity if in the 1st quarter of 2015 I was credited with 1,200 rubles monthly for 5 years, but I received this money only for less than a year?

5.1. Good afternoon.
Are deposits insured? If yes, then you need to contact the insurance company.
If not, then you can go to court with a claim for the return of funds, interest, and damages.
To do this, you need to draw up a statement of claim, legally substantiate your claim and go to court. The sooner you do this, the greater the chance that you will get your money back.

6. How can I get my money back from NPF Prosperity Anatoly.

6.1. How can I return money from the NPF Prosperity Anatoly. Good evening, contact the Pension Fund at your place of residence with an application.

In addition to the state institution, about a hundred non-governmental organizations carry out activities to provide pensions to the citizens of our country. Among them is the NPF Blagosostoyanie, established by Russian Railways more than two decades ago and invariably occupying a leading position in the pension services market in a number of indicators.

Performance indicators of NPF Blagosostoyanie

The non-profit organization NPF Blagosostoyanie was registered in 1996. The most important element of its activities is the implementation of social policies aimed at workers in the railway industry.

Along with corporate offers, which can only be used by employees of the Russian Railways holding company, the fund offers individual pension programs (IPPs).

NPF Blagosostoyanie is the largest fund in our country. It consists of 1.2 million people. The number of participants to whom NPF Blagosostoy pays additional pensions exceeds 354 thousand.

The fund's pension reserves amount to 346 billion rubles. Own property is valued at 357 billion rubles.

Reliability rating

Based on the assessment results, the RA expert assigned the fund an A++ rating. This means that with an extremely high degree of probability the organization will fulfill its financial obligations, regardless of the economic situation.

The fund received a similar assessment from the National Rating Agency. The reliability level corresponds to the maximum (AAA).

Fund return

Profitability is the most important indicator by which one can judge the success of the fund’s financial operations, and therefore the competent management of the money of its participants.

In order to accumulate a pension, the yield of a non-state pension fund must be higher than the inflation rate. As a rule, stable, serious funds show annual returns of 8-10%.

The average profitability of NPF Blagosostoy from 2003 to 2016 was 8.9%, and in 2016 it reached 10% per annum.

Pension in NPF Blagosostyaniya

As mentioned above, NPF Welfare has two NGO programs:

corporate;
individual.

Both the first and second options involve the accrual of income provided by the fund as a result of investment transactions to client accounts. Let's take a closer look at each of the packages.

For Russian Railways employees

The corporate pension system, being one of the elements of the social policy of Russian Railways, allows employees, together with the employer, to create an additional pension for themselves. It is enough to submit an application to the HR department of the enterprise and choose the most convenient pension scheme.

During each year (until the pension is assigned), the client has the right to change the scheme once. The transferred employer contribution is calculated.

Participants in corporate offers of NPF Blagosostoy begin to receive an additional pension when:

reach retirement age;
they are assigned an early insurance pension for old age or disability;
resign from Russian Railways.

It is also worth noting that in order to assign an industry pension to Russian Railways employees, they must contribute funds to the NPF Blagosostoye for at least five years.

Individual pension schemes

An individual pension program is an agreement concluded between an individual and the NPF Blagosostoy. On its basis, a personal account is created, into which the owner deposits funds. The amount of contributions and their frequency are not regulated. The fund, in turn, invests the client’s money and accrues income based on the investment results.

Participation in the program requires payment of an initial contribution of at least 10 thousand rubles.

In case of early termination of the contract, the amount deposited into the account is returned within two months in full. If the agreement was valid for more than a year, the fund will charge the actual rate, if less - 4%.

NPF Blagosostoyye makes payments to the funded portion of the pension on a monthly basis for at least two years. A lifetime pension is also provided. Clients have the right to appoint a beneficiary of funds both during accumulation and during the period of receiving payments.

Application for transfer of the funded part of the pension

To join the Non-State Pension Fund Welfare, Russian Railways employees just need to contact the enterprise’s personnel service, fill out a subscription sheet and draw up an application for deduction of contributions from wages. The application form is determined by the local regulations of the fund.

Persons whose work activities are not related to Russian Railways can receive advice and calculation of key parameters of the program at the office of NPF Blagosostoy. To conclude an agreement, they will need an identity document and SNILS.

Personal account of NPF Blagosostyaniya

Your personal account is an online service available to all members of the NPF Blastostoyanie, subject to two conditions:

the NGO agreement entered into force;
the client signed an application to connect to the service.

The application can be submitted to the HR department (for members of the NPF Blagosostoyanie employed at Russian Railways) or to a branch of the fund by presenting your passport and pension certificate.

An application form for access to the personal account of NPF Blagosostoyanie is available. The completed document should be sent to any branch of the fund, having first certified the signature by a notary.

A password for your personal account will be sent to the email address specified in the application. The client's SNILS number is used as a login. When you contact a fund branch in person, your account login information is provided immediately.

Functionality of the personal account of the client of NPF Blagosostyanie

The value of the property and assets of the liquidated non-state pension fund amounted to more than 3.5 billion rubles.

Let us recall that at the end of last year the Central Bank revoked the license of the NPF Blagodenstvie, whose investors were mainly veteran railway workers in the Irkutsk region and Buryatia, as well as employees of large industries in both regions. We are talking about tens of thousands of people.

According to analysts, the Central Bank's main complaint was against the management company of the Investment Standard fund, which was engaged in risky operations, as well as against the final beneficiaries, some of whom were arrested on suspicion of abuse.

According to the railway workers themselves who worked for VSZD, at the dawn of the formation of the fund they were literally forced to contribute money, promising mountains of gold. In many media, the founders of the fund are both VSJD itself and structures close to it, for example, the VSJD trade union, VostsibZhasso and Vostsibtranskombank. It is reasonable to assume that these structures, despite the actions of the management company that led to bankruptcy, still bear some share of responsibility for what happened. However, in its official statement, the railway publicly disowned “Prosperity”, despite the fact that the organization of the fund was attended by: the then head of the road Komarov, the chairman of the road committee of trade unions Orlov, the general director of VostsibZhasso Berengolts, the chairman of the board of Vostsibtranskombank Rumyantseva, heads of economic and financial services Kautz and Sidorenko.

What should depositors who have entrusted their savings to Blagodestvennaya do now? According to the law, within three months after the license is revoked, the funded part of pensions goes to the Pension Fund, accordingly, today clients can dispose of it at their own discretion - leave it in the Pension Fund or transfer it to any non-state fund. As experts explain, the funded part of the pension does not expire when the license is revoked in any case: if the fund was a participant in the pension guarantee system, then its safety is ensured by the Deposit Insurance Agency. Otherwise, compensation comes from the funds of the Central Bank.

It’s much worse if the problem NPF contains funds from non-state (voluntary) pension programs, which is what happened to the majority of Blagodenstvo’s investors. Three months after the liquidation of the fund, the balance for payments of non-state pensions is determined. It is established by the temporary administration of the fund, consisting of representatives of the Central Bank and the DIA, based on a comparison of the assets and liabilities of the NPF. If funds are available, they will be paid to the client. Otherwise, no.

Fortunately, the investors of “Prosperity” were lucky; the fund’s balance turned out to be positive, perhaps even enough to pay off all obligations. The only question is that many investors do not know where to turn. The Ulan-Ude office accepted applications from citizens only until the date for which the hearing was scheduled in the Arbitration Court of the Irkutsk Region - December 17, 2015. Then all applications had to be sent to the Irkutsk office. However, as Buryat investors report, this is impossible to do, all the stated telephone numbers are disconnected, and there is no information in the media.

As Respublika learned, today the liquidation of the fund by court decision is being handled by the Deposit Insurance Agency, the representative of the liquidator is Alexander Mikhailovich Kozhemyakin. The first publication of information about the liquidation of the fund was published in the Kommersant newspaper on December 21, 2015. Within two months before the closure of the register of stated claims of creditors (until 02/26/2016 inclusive), depositors had to submit statements of their claims to the ASF accompanied by documents confirming the validity of the claims. If investors did not have time to submit applications before this date, they can still do so, however, their claims will be satisfied only after the claims of the creditors included in the register are satisfied.

Requirements and original documents, or their duly certified copies confirming the validity of the requirements, as well as a copy (if available) of a judicial act that has entered into legal force confirming the claims against the fund, can be submitted to the representative of the liquidator at the address: 127055, Moscow, st. Lesnaya, 59, building 2. When making claims, you must provide information about yourself, including last name, first name, patronymic, details of an identity document (for an individual), name, location (for a legal entity), as well as bank details (if available).

Information on the progress of liquidation in relation to the fund can be obtained on the official website of the Agency (www.asv.org.ru, section “Liquidation of NPF”) and by calling the hotline: 8-800-200-08-05.

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