The pension plan system used today in Russia does not guarantee an appropriate level of life for people retiring from their professional life. A solution to this problem is non-state pension programs realized by an insurance company or the non-state pension fund (www.ingosnpf.ru).
Ingosstrakh offers a reasonable solution to the organization of pension schemes.The programs can be arranged via “Ingosstrakh Life”, a specialized insurance company, or Ingosstrakh non-state pension fund. We offer an individual pension scheme developed for each client depending on his/her needs and possibilities to achieve the optimal results.
Principles of pension program realization:
Contributions to the pension fund are made by the employer in full or employees may pay part of the contribution.
Investment in the assets denominated in rubles or US dollars.
Secured rate of return – 3.5% of annual interest with the pension program realized via “Ingosstrakh Live” and 4% of annual interest with the pension program realized via Ingosstrakh Pension Fund.
Annual accrual of extra investment income based on the company/fund’s investment activities results.
Possibility to terminate the agreement at any time without penalties for employers.
Various repayment options in the event of retirement: life pension, immediate compensation, marital pension, etc.
Pension program support:
Submission of annual reports on the investment results and accrued pension sums.
Provision of consulting services to employers (on taxes, pension program terms, etc.).
Presentations for employees of the company.
Provision of necessary software for individual pension calculation.
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