NPF GAZFOND is one of the largest and most reliable non-state pension funds in the country. Since its founding in 1994, NPF GAZFOND has successfully survived all crises, never violating its obligations to customers.
On March 4, 2014, the Council of the NPF GAZFOND decided to reorganize in the form of spinning off a non-profit pension fund with its simultaneous transformation into a joint stock Pension Fund with the transfer of rights and obligations for compulsory pension insurance from the Non-State Pension Fund "GAZFOND" to the Open joint-stock company"Non-state pension fund GAZFOND pension savings».
Date of formation: 1994 (NPF GAZFOND). Operates on the basis of perpetual license No. 430
Location: 117556, Moscow, Simferopol Boulevard, 13
Affiliated funds:
Reference: On April 30, 2014, the Bank of Russia decided to state registration OJSC NPF GAZFOND pension savings and on granting a license to carry out activities for pension provision and pension insurance. On June 10, the fund was included in the Unified State Register legal entities the first among joint-stock funds.
Despite its "young" age, the fund immediately took its place in the group of leaders in the country's pension industry, demonstrating excellent performance. According to the results of the 2015 campaign, the growth client base amounted to 42%, and the increase in the volume of pension savings - more than 80%. During the first 6 months of 2016, the volume of pension savings increased by 40.5 billion rubles (+35.6% compared to the beginning of the year) and reached 154.3 billion rubles. The average account of an OPS client exceeded 115,000 rubles and once again outperformed other NPFs. Today, the fund's clients are more than 1.3 million people, and the amount of pension savings has reached 160 billion rubles.
Who could be entrusted with their own pension savings, is now extremely difficult. Moreover, the competition in this area among organizations is simply huge. And in order to attract customers, very often many simply deceive visitors. What is Gazfond (NPF) really? Feedback about this organization from customers and employees is what will help you decide.
Maybe your funded part of your pension should really be transferred here? Or, on the contrary, never use the services of this company and look for its better analogue? Immediately understand for yourself - there is no single exact opinion. After all, how many people - so many reviews. All conclusions will have to be done independently.
True, in reality, this is not such a problem. After evaluating all the pros and cons of the company, everyone can make one or another conclusion for themselves. So let's start with the activities of the organization. Maybe she will scare you away.
Although, it shouldn't. After all, reviews of the NPF "Gazfond" (Russia, St. Petersburg and other cities) are left as a place that offers the population to invest and save their funded part of the pension. Of course, with its pluses - multiplication is possible cash deposits. And when the time comes, Gazfond will pay you the funds in your account as a pension. Or rather, only its cumulative part. There is nothing suspicious here. Quite a normal company that offers the necessary services to the population. This is not the Vedeno-Oyatsky Monastery, not a fraudulent organization. Which means you can trust her. This is what many clients think.
What reviews does the NPF "Gazfond" receive? Sometimes, by the opinions of employees alone, one can say with accuracy how conscientious a company is. With regard to Gazfond, the situation is very ambiguous.
Why? The thing is that the majority of employees adhere to a neutral position regarding our current organization. But at the same time, personnel and applicants emphasize some of the shortcomings of the company. Yes, she also has pluses, but for some they will seem not so significant.
Among the advantages stand out stable earnings, as well as working conditions. You will work in comfortable offices. More or less stable schedule also takes place. And Gazfond is not a fraudulent company. It really exists and offers real vacancies for employment. But that's probably where the positives end.
Gazfond (NPF) does not earn the best reviews due to the fact that all employees are forced to transfer the funded part of the pension to this particular corporation. And there are even threats of dismissal. That is, the company acts by hook or by crook, honest methods of influencing employees and not so much. This is alarming - why would a conscientious firm that is popular even force someone to make deposits? Suspicious, and only!
However, this is not a reason to refuse to "communicate" with this company. NPF Gazfond earns a variety of customer reviews. And it is impossible to say for sure whether to trust him or not.
In any case, a huge role is played by the so-called. It lists all such organizations, taking into account the level of customer confidence, work stability, and popularity among visitors. And Gazfond is in the top five. It follows that we are dealing with a truly stable corporation.
By the way, she has the highest level of confidence - A ++. In any case, this is indicated by statistics. Therefore, it should be assumed that the pension fund is trustworthy. At least the minimum. This is not some small office that no one knows about, but a really large and well-known organization.
Collects and multiplies pension savings by OAO NPF Gazfond. Reviews about this organization are left by customers, as already mentioned, ambiguous. Yes, according to statistics, the level of population trust is high. Moreover, the company is among the top five NPFs in Russia. But on this important points do not end.
What else should you pay attention to? To what NPF "Gazfond" receives feedback on the profitability of the fund. This is an important point. It's not enough to save your retirement savings. Funds also offer to increase them. This means that profitability plays a huge role in the rating of the company.
In this corporation, not too high numbers are offered. The point is that the average profitability of "Gazfond" reaches 4.17%. Not much, but it's more than many similar companies can offer. Therefore, Gazfond (NPF) receives reviews as a fund that really helps, albeit slightly, to increase pension savings.
Membership in the company requires special attention. It causes the most confusion and indignation on the part of customers. Why? All due to the fact that you can suddenly find out for yourself that yours is already in Gazfond, even though you personally did not apply there. How does it work?
Gazfond enters into transactions with various employers, as a result of which all employees of the company become investors. Their personal presence, as well as consent, is not required. Thus, unsuspecting citizens keep the funded part of the pension in the Gazfond. When checking this information pops up. The fund itself allows you to refuse membership without any problems, but your employer is unlikely to agree. This is the picture that practice shows.
But if you independently decided to become a contributor, no problems, negative or negative sides you won't find. Moreover, NPF "Gazfond" receives positive customer reviews for its conditions, which it offers to all visitors.
The contract is drawn up taking into account and indicating all the rules of the emerging relationship. In addition, you are given the opportunity to change the pension fund to some other one at any time upon a personal application. It turns out that customers are not burdened with anything. They can freely choose where to keep their pension savings. And this, of course, pleases. In any case, at the very beginning of membership.
But in practice, a different picture emerges. It pushes many people away from the fund. How are things really going with Gazfond? Not in the best way. After all, despite the proposed terms of cooperation, you do not get anything special. Is it an additional headache. That's what some clients say.
Where does this statement come from? All this is due to the fact that, in fact, Gazfond will not let you easily change the storage fund. To achieve your goal, you will have to write an application for transfer several times Money. It can be said that justice must be sought "with a fight."
It also turns out that Gazfond often has problems with the payment of pension savings that are already on the account. Sometimes citizens wait for their money for 2-3 months. This is normal for this non-state pension fund. And not only for Gazfond, but also for other similar corporations. Delays in payments, although repulsive, are present everywhere in Russia.
Only here "Gazfond" (NPF) reviews earn mostly positive. Where do they come from, if in fact the company does not have many advantages? And the population tends to warn more about negative aspects than about positive ones.
Everything is extremely simple - praise for the pension fund is bought. People got paid positive reviews that could attract new customers. This is a normal phenomenon that has long been used by all organizations - both scammers and bona fide firms.
Should I trust Gazfond? It's up to you to decide. In any case, one should not trust the opinions pointing to the ideal position of the fund in the services market. Yes, this is a company that will not be closed, it is unlikely to go bankrupt. Therefore, she deserves a minimum of trust.
The non-state pension fund Gazfond, which manages pension reserves, was ranked second from the bottom in terms of profitability of pension reserves for five years - from 2013 to 2017. Such data are provided in the Pension & Actuarial Consulting review (available from Forbes). The profitability of the fund for the specified period amounted to only 13.62%, only NPF "Professional" with reserves of 3.3 billion rubles is lower - it earned only 3%. This indicator is much less than the accumulated inflation - 44.6%. Even if the fund's clients put funds on deposit, they would noticeably benefit in terms of profitability, receiving 41.8%. The number of clients of NPF Gazfond at the end of 2017 was more than 230,000 people.
If you look at the profitability indicators by years, then it is consistently low and does not correlate in any way with crises in the stock market. In 2013, the return on investments of Gazfond amounted to 2.8%, in 2014 - 1.7%, in 2015 - 3%, in 2016 - 2.2%, in 2017 - 3.3% .
NPF "Gazfond" - the largest fund for the management of pension reserves - funds intended for the formation of an additional pension. In most cases, contracts for such pensions, like voluntary policies, health insurance, are concluded as part of the social packages of employers, says Evgeny Biezbardis, a leading analyst at Pension and Actuarial Consultations. Moreover, the company often co-finances the contributions of its employees, for example, doubles every ruble paid by the employee from its own funds. Companies organizing corporate pension plans may pledge the fund's obligation to guarantee a minimum annual return. In this case, if the fund received income less than necessary, it pays the difference at its own expense.
The volume of corporate pensions in the NPF Gazfond is 374 billion rubles, the largest client of this fund is Gazprom. Every year, Gazprom pays tens of billions of rubles for its employees: in 2017, its pension contributions amounted to 19.4 billion rubles, or 88.7% of total amount contributions received by Gazfond, in 2016 - 17.7 billion rubles, or over 90% of the total contributions. Almost half of these funds are accounted for by insurance contracts.
Corporate pensions of Gazprombank are formed in NPF "Gazprombank-fond", the accumulated profitability of which is much better than that of "Gazfond" - 47%.
The management of the reserves of the NPF Gazfond is carried out by the management company Leader, headed by Anatoly Gavrilenko, which is 44% owned by Gazfond itself, 25% by Gazprom and 27% by VEB, as well as a subsidiary of the management company Leader - UK " Northerner".
The press service of the NPF "Gazfond" and the management company "Leader" did not respond to a request from Forbes.
Pension & Actuarial Consulting data
The site of the pension fund "Gazfond" indicates the yield since 2005 by no means for all pension schemes - only from the second to the fifth. At the same time, the first, sixth and seventh schemes are also mentioned in the fund's reporting. Returns on the published schemes look good - the numbers are often double digits. However, according to a Forbes interlocutor close to NPF Gazfond, it is the first pension scheme that accounts for most of the reserves and it is for it that traditionally weak performance is demonstrated. According to him, Gazprom does not use co-financing in its pure form in this scheme, when deductions from the employee's salary and from the company's funds are made jointly, but deduct funds for its employees independently.
Pension Scheme No. 1 is a solidarity scheme with fixed lifetime benefits, according to the fund's statements. Contributors - "Gazprom", as well as its daughters. Contracts under this scheme are related to insurance, that is, the fund can pay a certain amount in the event of the death of a participant in the amount of ten non-state pensions, as well as in the event of a disability of the third and second degree. The depositor has the right to transfer the redemption amount to another fund with the written consent of all participants in respect of whom the pension agreement is in force.
The solidarity system means that the funds received by the fund are not distributed to personal accounts, but are stored in a “common pool”, and employees, when they retire, use it until it is exhausted (that is, until the full fulfillment of obligations), says the CEO of the company " Pension partner” Sergey Okolesnov.
As Forbes interlocutor, close to the NPF Gazfond, explained, this is indeed a mass scheme intended for all Gazprom employees. “Deductions on it are made only by the employer, fixed income on it is not fixed in the contract. However, the contract specifies the specific amount of the pension, which depends on the salary of the employee - he will receive this amount when he reaches retirement age. In this regard, the employee has only risks that it will not be well indexed,” the interlocutor says.
The first scheme involves several types of structuring payments. One implies that the fund will have to earn at least a certain amount. In this case, the NPF must either earn this yield or use it from its own funds. The second option assumes that the fund will index clients' pensions depending on the amount of income, which is not guaranteed in the contract.
“Scheme No. 1 was invented at the stage of fund formation and was created exclusively for Gazprom employees, and according to this scheme, pensions are quite high. Movements on the account, profitability under this scheme do not affect the amount of the paid pension. Whatever happens, employees will receive as much as they were promised at the time the contract was signed. But this scheme creates a risk of indexation,” says Forbes source.
According to the fund's reports, most of the assets of NPF Gazfond are investments in Gazprom and GPB. According to a Forbes interlocutor close to NPFs, if these assets grew in zero years, then in the new decade the trend has changed, so the fund decided not to take responsibility for the profitability of pensions and is only responsible for their safety.
The financial statements of the Gazfond group state that the change in the fair value of Gazprom and Gazprombank has a significant impact on financial results groups. Gazfond owns 1.06% of Gazprom's shares and 41.6% of Gazprombank's shares. “Gazprom shares have been showing weak dynamics for many years due to the fact that the company has very high capital and operating expenses and low dividends. Gazprom is very reluctant to share profits with minority shareholders. Investors and analysts point out the low transparency of the business and the difficulty of controlling the actions of management due to the lack of an independent board of directors as negative factors for Gazprom shares, ”comments Alexander Losev, CEO of Sputnik Capital Management.
But fair value package of "Gazprombank" in last years on the balance sheet of Gazfond only grew - from 2015 to 2017, the estimate increased from 155 billion to 177 billion rubles, according to IFRS. The number of shares remained unchanged - only the share of NPFs in Gazprombank changed due to an additional issue in July 2017. The fund's dividend income from holding shares in Gazprombank in 2017 amounted to 3 billion rubles, in 2016 and 2015 it was not, in 2014 - 3.3 billion rubles. From owning shares in Gazprom - 2 billion rubles in 2017, 2.5 billion rubles in 2016, 2.2 billion rubles in 2015 and almost 3 billion rubles in 2014.
Pressure on the asset quality indicator of NPFs is exerted by the low level of liquidity of the fund's investments in closed mutual investment funds, which by the end of the year 2017 amounted to 20.4% of the reserves, the Expert RA agency assumed in March. Its analysts also noted that one of the negative factors in the assessment is the low profitability from the placement of pension reserves on the horizon of 2014-2017.
On the reserves of the NPF "Gazfond" shares of closed-end mutual funds and shares of technical companies ("GAZKON", "GAZ-Tech" and "Gaz-Service"), Forbes wrote with reference to the fund's investment portfolio at the end of 2015. The meaning of these transactions, according to the assumption of the managing director of Expert RA Pavel Mitrofanov, was not to fully reflect investments in Gazprombank in the financial statements. About another 48 billion rubles of Gazfond funds in 2015 were invested in three closed real estate mutual funds: Promising Investments, New Horizons and Electron.
Among the major shareholders of NPF Gazfond are Gazprom (12%) and SOGAZ (19%).
Pension reserves were the first product that NPFs started working with at the dawn of their existence in Russia - later they became participants in savings programs, says Evgeny Biezbardis. The peculiarity of pension reserves is that they are not guaranteed by the state, unlike pension savings. But on the other hand, the yield at the end of the year cannot be negative, he notes.
The main difference between reserves and savings is that reserves are actually the funds of the clients themselves, while pension savings are state funds posted to personal accounts, says Yuri Nogin, director of the ACRA Financial Institutions Ratings Group. “Therefore, a softer version of the list of assets where they can be invested is provided for reserves. In Russia, the bulk of the reserves are not the funds of individuals, but the money of corporations, usually with state participation, ”the financier notes. Funds have the right to independently place pension reserves in Russian government securities, bank deposits and other assets provided by the Central Bank.
The fact that the requirements for NPFs with reserves have traditionally been softer, eventually led to the fact that their portfolios turned out to be weaker than savings portfolios - many mutual funds and closed mutual funds. However, NPFs with reserves understood that stress testing was coming, and they tried to put their portfolios in order. “If funds suddenly have any problems with reserves, there will be a certain social resonance, since large funds are associated with large state-owned companies: NPF Blagosostoyanie - with Russian Railways, NPF Gazfond - with Gazprom, NPF Trasneft - with "Transneft", - explains Nogin.
The Central Bank obliged pension funds with reserves until 2019 to disclose the structure of shareholders, and from this year it began to conduct stress tests for them, which assess the quality of NPF investments. Since NPFs that deal with reserves have a large amount of capital, since they are close to large state-owned companies that formed this capital, they are not afraid of these stress tests, Nogin concluded.
* The data for calculating the profitability were taken from the disclosed financial statements for Russian standards(OSBU), and the figures for the years reflect the profitability accrued to customer accounts. If a pension fund has several pension schemes, the average figure is taken.
Legislation is constantly changing and it is already becoming clear to many that it is not necessary to count on a high state pension after the end of a career. A good option in this case is the transfer of accumulated pension contributions to non-state funds. The company provides not only a convenient personal account of NPF Gazfond for its customers. This is a reliable company that annually increases the savings of citizens and does not lose high positions in the insurance market for over 20 years.
gazfond.ru- official website of NPF Gazfond
NPF GAZFOND was founded in 1994. The founders of the organization were the Gazprom group of companies, as well as Gazprombank. At the moment, it is not just one of the largest funds in the field of non-state pension insurance but also the most reliable. Authoritative expert agencies have been giving it an A++ rating for several years, which indicates a high level of reliability. Development is predicted to be stable, without recessions.
At the moment, the actual pension area has been allocated to a separate fund, which is called "GAZFOND Pension Savings". Clients who have accumulated insurance pension in NPF GAZFOND. In addition, other funds were attached to the organization, for example, Heritage, KITFinance, Promagrofond, "". All these funds now work through a single personal account of NPF Gazfond. Expert ratings remain the same high level, and in terms of profitability, GAZFOND overtakes many other organizations that operate in the same area.
Clients who have a registered and verified personal account have access to the following features:
gazfond-pn.ru— official website of NPF GAZFOND pension savings
At the moment, all pension savings are in a separate company. NPF "GAZFOND pension savings" is a branch of the main fund. She oversees only pensions. Personal Area NPF Gazfond is available on a separate website. The same functionality is presented here as in a regular office. You can track your savings in a separate tab. The entire history of accruals can be viewed in the "History" section. In addition, all deductions are easy to check by ordering an extract through the State Services or in an account on the PFR website.
lk.gazfond-pn.ru- personal account GAZFOND pension savings
All the features of the personal account are available in mobile application NPF GAZFOND PM. Here it will also be possible to create a new account if the client has not previously used all the benefits of the account.
You can register by clicking on the "Client Account" button, which is located in the upper right part of the site. Registration of a personal account of NPF Gazfond for individual happens like this:
We proceed to fill in personal data. In particular, the following fields must be filled in:
client.gazfond.ru- personal account of NPF GAZFOND
If a personal account is required for a company (legal entity), then when you hover over the "Client Account" button in the drop-down menu, click on the "For companies" link. A company that wants to conclude a contract for servicing the pension savings of its employees must first send a request to any address of NPF GAZFOND. It must indicate the contacts, position and full name of the employee who is appointed responsible for managing the funds.
The Gazfond insurance company, established in 1994, implements non-state pension programs, its clients are individuals and legal entities. The activity of the fund over a long period of time shows a high degree profitability. For the convenience of cooperation with the organization, it is recommended to create a client account on the website, and then many services will become available online.
Official site non-state fund Gazfond, located at: https://gazfond.ru/
The main advantage of Gazfond is investment cooperation exclusively with reputable enterprises with a proven high reputation. Other benefits of an insurance company include:
The site has a clear and user-friendly interface. News and important information on electronic resource are constantly updated. Users interested in pension insurance services can see on the site information about the activities and achievements of the fund, about programs for individuals and legal entities.
On the main page you can use:
By going to the "Contacts" section, you can see the phone numbers and addresses of fund offices. Sample contracts between the client and the company, terms of cooperation are displayed on the main page. Separate sections are devoted to the founders of the organization, description investment activity, a list of corporate programs.
To get more opportunities to work on the site, the client must go to the personal account. The site is adapted for both computers and mobile and tablet devices. The interface is easy to understand. An inexperienced user of a personal account sees pop-up windows with hints when moving the cursor. You can also go to the tab with the most FAQ, there you can read options for solving the most common problems.
Each procedure related to pension investments is stored in a separate folder on the user's computer when requested. For convenience, it is possible to sort the performed procedures into different categories. The user sees the amount of the pension in the form of a graph.
To register, the client must be the owner of the savings account. To register, you need to go to the address: https://gazfond.ru and click on the inscription "Client Cabinet", select an individual or legal entity.
An authorization window will open in a separate tab. An unregistered user needs to click on the word "Register".
The registration conditions window will appear. After reading, you need to put an icon in the box agreeing to the terms.
A message with a link is sent to the specified e-mail. You don't need to reply to the letter. You just have to follow the link.
The information must be correct, they must correspond to the data specified in the agreement on the savings account. The reliability of the information is checked by the built-in system; if the information is incorrect, registration will not work. The opportunity to conclude an agreement with the company is not only for citizens, but also for foreigners, persons with a residence permit.
After entering all the data, an SMS with a confirmation code is sent to the specified phone number. It must be entered in the appropriate box in the registration window to complete the procedure. The system confirms the existence of an agreement with Gazfond, and access to your personal account is opened.
They enter the account, as during registration, through the link "Client Account" in the upper right corner of the main page. In the authorization window that opens, you need to enter the email address in the first line, and the password created during registration in the second line. Next, click on the blue "Login" button.
If the password is lost, then it can be updated by clicking on the inscription "Restore access to the account".
An identification window will open in which you need to enter an email and mark the “I am not a robot” icon.
An email will be sent to you with a password. You need to copy the password, paste it into the appropriate line in the authorization window.
The main offices are located in Moscow and St. Petersburg. Residents of these cities can contact the following addresses:
