Sberbank individual pension plan. State pension co-financing program Pay pension co-financing online

Each client of Sberbank PJSC is invited to draw up an individual Sberbank pension plan. It allows, in addition to funded pension additionally receive non-state pension.

Income, independently organized today, at the end of a career will provide an opportunity to maintain a decent lifestyle and relax as comfortably as possible.

Benefits of an individual pension plan

The pension plan offered by Sberbank makes it easy to generate additional income. It has a number of advantages:

• You determine the frequency and amount of contributions yourself.
• The non-state pension fund of Sberbank increases your savings every year thanks to investment income.
• Having issued a social tax deduction within the framework of the current legislation, you can return 13% of the investment.

Is it worth it to draw up an individual pension plan of Sberbank and what conditions to choose

Types of individual pension plan

Sberbank offers to draw up one of three types of an individual pension plan:

• Universal,

The official website of the NPF Sberbank program -

Access to the "Personal Account" is carried out under the following conditions:
1) an agreement on compulsory pension insurance (a contract of non-state pension provision) entered into force;
2) a funded pension account has been opened labor pension in accordance with the Insurance Rules and/or a non-state pension provision pension account has been opened in accordance with the Pension Rules;
3) the presence of Consent to the automated processing of personal data. Individual pension plan personal account: lk npfsb ru

Sberbank universal individual pension plan

The size of the non-state pension that the client will receive in the future depends on the savings. The individual universal plan of Sberbank provides for the following conditions:

• The minimum amount of the down payment is 1.5 thousand rubles.
• The minimum amount of periodic contributions is 500 rubles.
• An arbitrary schedule is drawn up according to which contributions will be made.
• The period of payment of the pension is from 5 years.
• Inheritance provided pension savings program participant's successor.
• Savings cannot be divided in the event of a divorce or collected by third parties.

In case of early return of savings within the framework of the universal pension plan, the scheme works:

• After 2 years of participation in the program, the client receives the entire amount of the paid fees and 50% of the investment income;
• After 5 years - the entire amount of contributions paid and accrued investment income.

A Sberbank client is entitled to a refund of paid income tax, which currently amounts to 13% of the total amount of contributions. The maximum amount of return per year is 15.6 thousand rubles.

To apply for a universal plan, the applicant will only need a passport of a citizen of the Russian Federation. You can become a member of the program in a convenient way for the client:

• By contacting the nearest branch of Sberbank;
• By visiting the office of the NPF of a credit institution;
• By filling out an application form on the bank's website.

Hotline of NPF PJSC Sberbank: 8 800 555 00 41

By phone you can ask all your questions and decide whether this offer is worth it.

Guaranteed Retirement Plan

According to the terms of the guaranteed plan, the amount of the desired pension is specified in the contract. Based on the expected amount, the amount of contributions is calculated, and a schedule of regular payments is drawn up.

For this type of plan, the following conditions apply:

• The amount of the initial payment is equal to the payment that the client will make regularly.
• The amount of periodic contributions is fixed and reflected in the contract.
• The schedule according to which payments will be made is drawn up in advance and negotiated in the contract.
• The minimum pension payment period is 10 years.
• The accumulated pension is inherited by legal successors, but cannot be divided in the event of a divorce or seized by third parties.

In case of early termination of the contract, the client receives:

• After 2 years - the entire amount of contributions and 50% of the investment income received;
• After 5 years - the entire volume of payments and investment income.

The Guaranteed Plan also includes an income tax refund option. Its size is 13% of the amount of savings and cannot exceed 15.6 thousand rubles a year.

To take part in the Sberbank project, the applicant must contact the NPF office of the credit institution. To draw up a plan, it is enough to have only a passport of a citizen of the Russian Federation with you.

Comprehensive pension plan

The Comprehensive Pension Plan provides for the fulfillment by the client of the following conditions:

• Transfer of a funded pension to the NPF of Sberbank;
• Registration of a non-state pension within the framework of an individual pension plan.

The contract states that contributions are made in an arbitrary amount according to a flexible schedule.

The comprehensive plan contains the following provisions:

• The minimum initial payment is 1 thousand rubles;
• The minimum periodic contribution is 500 rubles.
• A flexible, customer-friendly payment schedule is drawn up.
• The pension is paid for five or more years.
• Savings can be inherited.
• The amount of contributions and investment income cannot be divided upon a client's divorce and is not subject to judicial recovery.

A program participant may demand from Sberbank an early return of savings. In this case, the following conditions apply:

• After 2 years, the entire amount of contributions and ½ of the investment income are returned;
• After 5 years - the entire volume of payments and received investment income.

The client can return income tax on the amount of contributions, which is 13%. The maximum amount of tax deduction per year should not exceed 15.6 thousand rubles.

You can apply for a comprehensive pension plan by contacting either the office of the NPF of Sberbank or the department of the institution. You must have a Russian passport and an insurance number of your personal account with you (in the system of compulsory pension insurance).

The procedure for paying pension contributions

Pension contributions are made by the client in the amounts specified in the contract concluded within the framework of the individual plan. To make payments, the program participant can choose any convenient method:

• Use the official Internet portal of the Fund and a bank card;
• Make a payment using a mobile application or the Sberbank. Online";
• Deposit the required amount through an ATM or Sberbank terminal;
• Contact a bank branch or office;
• Transfer funds through the accounting department of your enterprise, providing a corresponding application there.

Details for receiving pension contributions can be clarified on the official website of the bank.

How to file a tax deduction

A member of an individual pension plan can take advantage of the social tax deduction provided for by law. The amount of contributions from which you can receive a deduction is 120 thousand rubles a year.

To return income tax, a client with the appropriate package of documents must contact the tax office and their accounting department at the place of work.

To receive a tax deduction, you will need the following documents:

• Free-form application for tax refund;
• Tax return;
• A copy of the agreement with a non-state PF;
• Copies of the passport and TIN;
• Copies of receipts or other payment documents that confirm the payment of contributions.

How is a non-state pension paid?

The pension accumulated under the individual programs of Sberbank is paid every month. If minimum size If the pension set by the Fund exceeds the monthly pension, then it can be paid once every three or six months.

A participant in the program after the appointment of a pension receives a special "pension book" in the form of a plastic carrier. Payments at the request of the client can be made either to an account opened with Sberbank, or to the account of any other banking institution in the Russian Federation.

Program fees

The procedure and conditions under which state co-financing of pensions is carried out are established and regulated by Federal Law No. 56-FZ of April 30, 2008, as amended on November 4, 2014 and with amendments that entered into force on January 1, 2015.

The contribution of a co-financing program participant cannot be less than 2 thousand rubles per year. An increase in the amount of transfers occurs only if the program participant deposits an amount from two to twelve thousand rubles a year into his savings account, which can be transferred either as a lump sum or in installments or in the form of monthly installments. If the amount of annual contributions is less than 2000 rubles, then such a contribution will not be taken into account and there will be no increase.

Voluntary insurance premium the participant of the co-financing program is determined independently, but the state contribution cannot exceed 12 000 rubles per year, and in cases provided for by Part 2 of Art. 13 of Federal Law No. 56, when the participation of the state is established in increased size - 48 000 rubles in year.

Increased co-financing is established under the simultaneous observance of the following conditions:

• the existence of the right to;
• waiver of insurance and funded pensions;
• waiver of pension payments provided for in paragraphs 1 and 2 of Art. 2 FZ No. 360;
• waiver of other pensions, including the monthly allowance of a retired judge.

Entry and end dates of the program

Initially, in accordance with the conditions set forth in Federal Law No. 56, the deadline for joining this program was set to September 30, 2013, and its effect extended only to insured persons who applied before October 1, 2013.

• By many enterprises, voluntary contributions for participation in the Program were included in the social package when compiling employment contracts with workers.
• An employer can join the Program at any time, with no limits on contributions.
• Contributions for voluntary pension insurance within 12,000 rubles not subject to tax insurance premiums and included in expenses when calculating income tax.

Program participants who make the transfer of contributions through the employer can claim a tax deduction from the amount additional contributions within 12 thousand rubles by contacting the accounting department.

Employers transferring additional contributions for employees can find the details of the recipient of additional insurance premiums on the official website of the Pension Fund Russian Federation.

Procedure and terms for payment of additional contributions

Voluntary insurance premiums can be paid by the personally insured person through credit institutions to accounts, the details of which can be found:

• in any branch of the Pension Fund;
• through the employer, after contacting the accounting department.

Employees of the accounting department are in constant contact with the authorities of the Pension Fund and monitor all changes in the legislation, thanks to which they have more opportunities in terms of ensuring that the pension rights of their employees are observed.

Payment of additional contributions is made by the employer to the PRF budget in the manner and within the same timeframes that are determined in relation to (determined by law of December 15, 2001 N 167-FZ) - no later than the 15th day of the month following the month for which the payment is being made.

A participant in the program who has already been paid the entry fee may at any time stop, and then, determining the payment terms at his own discretion, resume the payment of insurance premiums for the formation of a funded pension under the state co-financing program, but within 10 years, for which its effect is calculated in relation to each citizen who has entered the Program.

After the 10-year period, the doubling of voluntary contributions will cease, and all subsequent transfers made by the insured person or his employer will increase the funded pension already without the participation of the state.

Ivan Petrovich, being a recipient of an insurance pension since January 25, 2013 and continuing to work, applied through the accounting service of his enterprise to the Pension Fund of the Russian Federation with an application to join the Program state co-financing in order to pay additional contributions for the formation of a funded pension on September 30, 2013.

At the beginning of 2014, the first installment in the amount of 5 thousand rubles was transferred and another 5 thousand went to Petrovich's personal account from the employer, who decided to participate in co-financing the formation of the employee's pension savings as a reward for his high professionalism and many years of conscientious work at the enterprise.

Ivan Petrovich is entitled to state support in the formation of a funded pension under this Program because he applied for participation in it before the entry into force of Federal Law No. 345, that is, within the period that was established by the previous version of Law No. 56 FZ and the changes made by Federal Law No. 345 to paragraph 1 of Article 12 of Law No. 56 cannot apply to it.

Conclusion

The purpose of the State Co-financing Program is to create a material base future pension formed at the expense, the amount of which is increased by the state.

• When making a decision on further participation in the state co-financing program or on its termination, it is necessary to take into account many factors, the main of which is the deepening economic crisis, which, unambiguously, will reduce profitability in the investment market, the participants of which are various NPFs and MCs, at the disposal of which are the financial resources of citizens involved in the formation of funded pensions.
• On the other hand, the continuous reform of the state pension system, which is not expected to be completed in the near future, is also does not build trust citizens. Especially in view of recent decisions related to "freezing" funded pensions and for certain categories of pensioners.

However, if the employer takes part in the formation of the pension savings of their employees, then this, of course, has a positive effect on the microclimate in the team and labor productivity.

Sberbank offers citizens to take care of their well-being upon retirement by turning to one of their pension programs. Is it worth it to draw up an individual pension plan of Sberbank, how to calculate its profitability, what are the advantages, we will analyze in detail.

Features of NPF Sberbank

Is it worth investing in your future? This question a couple of years ago caused bewilderment, but now it does not seem so strange as the population's faith in the social policy of the state falls year by year.

Profitability of IPP Sberbank in 2019

How beneficial an individual pension plan is depends on a number of reasons:

• First of all, on the size of your own investments and the duration of their placement. The sooner a person begins to form savings, the greater the amount will be in his account by old age.
• Secondly, it depends on the success of the investment strategy. Everything that she can earn during the billing period (usually this is a calendar year) is added to the depositor's own funds placed on the individual investment account of Sberbank.

According to forecasts, by 2019, the average percentage return on NPFs will be at least 8% per year. The trend of investment activity indicates a stable annual growth.

Tax deduction for an individual pension plan

Each owner of a pension account within the framework of the IPP of Sberbank has the right to receive a tax deduction in the amount of 13% of the funds contributed - this is another plus of self-formation of a pension:

• The maximum deduction per year is 15.6 thousand rubles per year (i.e. from 120,000 deposited to the account);
• The deduction is issued to citizens who have an official place of work on the basis of a package of documents (including the 3-NDFL declaration) at the end of the year:

Payment will be made by a single transfer to a bank account.

Note two limitations:

• For the year you can not return more than the person pays taxes (13% of wages).
• The amount of 120 thousand is the total limit for all types of deductions (including for education and treatment), so in reality you can get less from:

Individual investment plan Universal

At Sberbank, only the specified program is currently in effect, the conditions for it are the most loyal - only one fixed fee, and the timing and additional payments are at the discretion of the client, such a plan is called - Universal. Until 2019, customers could choose between two more API options:

• Guaranteed: a citizen assigns the desired amount of pension for a certain period (from 10 years). Based on this, a replenishment schedule is drawn up with specific numbers and frequency.
• Complex: citizen translates funded part pensions to Sberbank and independently forms contributions. At the end of the contract, he receives two types of pensions.

IPP Terms Universal

You can issue in a non-state fund of Sberbank on the conditions:

• Initial deposit: from 1500 rubles, if you plan to save only a year - not less than 60 thousand rubles;
• Replenishment: from 500 rubles;
• Schedule: at the discretion of the client;
• Pension payment period: from 5 years.

Just as easy as filing it there.

The universal IPP, like others, provides for the right to inherit, but prohibits the transfer of savings to third parties, for example, in a divorce. Also, funds under the Universal Plan cannot be seized or collected by bailiffs.

If the client wishes to terminate the contract under the Universal Plan ahead of schedule, the refund is made according to the following principles:

• After less than 2 years: up to 80% of own investments;
• 2-5 years: all your contributions and half of the income accrued during this period;
• Over 5 years: savings and income in full.

Other individual plans are subject to similar early termination conditions.

How to calculate a pension plan

To determine whether it is worth contacting the IPP, it is recommended to use the Sberbank calculator to first calculate how much you can receive at the end of the contract.

It will be possible to calculate a non-state pension and a funded pension, which will begin to accrue after the end of the moratorium. The first is formed from own deductions, the second - from the employer - this is the feature of the Sberbank calculator.

Please note that when applying for an individual pension plan Universal, you are not required to transfer your funded pension to the NPF of Sberbank.

The growth of inflation according to long-term forecasts, the current profit of the fund and other necessary parameters are included in the calculator, which allows you to calculate the result as accurately as possible. You can’t take it as an unambiguous answer, but it allows you to navigate what amounts you should count on.

How to connect a pension plan

You can apply for an individual pension plan of Sberbank through several structures:

• Sberbank offices;
• Offices of NPF Sberbank;
• Online.

When applying in person, you should take a passport and SNILS, which are needed to fill out an application and confirm your identity.

In the form that appears, indicate:

• Passport information;
• Phone and contact information;
• Information about yourself;
• The amount of the first payment.

After that, confirmation by SMS takes place (entering the received code). Further, they propose to study the cooperation agreement and put a mark on agreement with its terms. The next step is to pay the fee by transferring from the card. The transfer is carried out on a separate page using 3D-Secure technology, where you need to specify card details and confirm with a password sent from the bank.

Optionally, in the next step you can. To do this, indicate the amount and frequency of debiting from the Sberbank card. If this is not done, you will need to pay on your own through Sberbank Online, an ATM, on the website of the NPF, at the cash desks of Sberbank. You can also arrange transfers from salaries in the accounting department at the place of work.

How to get PPI payments

Upon reaching the required age, it is required to apply for non-state contributions.

Together with him, provide a passport and a copy of the contract (or voice its number). If the conversion occurs before reaching retirement age, it is worth presenting a pension certificate or other confirmation of the appointment of a state pension.

The deductions will be sent to an account with Sberbank or another one specified by the client. The following rules apply:

• The first transfer takes place within 30 days after the submission of the application. Further - once a month.
• If the calculated payment is less minimum pension payments are made quarterly.
• A pensioner is issued a Sberbank pension book.

Conclusion

Registration of a pension program at Sberbank allows a citizen to receive additional deductions at the end of a career in order to ensure a decent standard of living. Universal and other programs are based on the investment of money received from participants in order to increase profits. The profitability of Sberbank's individual pension plan is characterized by high and steadily growing rates.

Additional insurance premiums for the program

Insurance contributions to the funded pension are transferred voluntarily by the insured person independently. To participate in the co-financing program in the current year, a citizen had to make a contribution in the previous year in the amount of from 2000 rubles.

In accordance with paragraph 1 of Article 13 of the Law of April 30, 2008 No. 56-FZ , the amount of the contribution paid by the citizen for the past calendar year, should not exceed 12,000 rubles.

The function of calculating funds for the formation of a funded pension under the co-financing program is assigned to the PFR body, which, by the end of the first quarter of the year following the contribution, draws up an application for transferring the required amount for co-financing.

Required amount within 10 days is transferred from the federal budget to the PFR budget, in accordance with the budget legislation of the Russian Federation, and then the funds are transferred to management companies And NPF.

Thus, funds are moving to co-finance the pension by the state, in accordance with article 14 of the law dated April 30, 2008 No. 56-FZ “On additional insurance premiums for funded pension and state support formation of pension savings".

The procedure for paying fees

You can pay your insurance premium in two ways:

• in the bank;
• with the help of an employer.

At the bank, you must fill out a payment receipt form, according to which the payment is transferred. The contribution amount can be paid equal shares during the year, or one-time payment. Need to check correctness of filling form, because due to an error in the spelling of the name, surname, patronymic or money will not reach the personal account of the citizen. A copy of the payment receipt may be useful for filing a tax deduction.

To pay contributions with the help of an employer, it is enough to contact your organization's accounting with an application of an arbitrary form, where it is necessary to indicate the amount of the monthly contribution - in the amount or percentage of wages.

An employer can act as another party to co-financing a pension by transferring voluntary contributions of an unlimited amount.

The participant can also receive tax deduction from contributions, but not more than 12,000 rubles per year. You can get a tax deduction:

• Applying to the accounting department at the place of work if the funds were deposited according to a similar principle.
• Contacting with a kit required documents to the tax office place of residence. Documents for receiving a social tax deduction can be submitted at the end of a year, two or three years.

To clarify the package of documents, you must contact the tax office at the place of residence directly.

Pension co-financing in 2019 for working pensioners

In the current 2019 become a member of the funded pension co-financing program impossible, since it was possible to join it only until the end of 2014. However, for those citizens who managed to become a participant in the program and made the first installment in the period from October 1, 2008 to December 31, 2014, currently and until retirement, the state will co-finance the pension, but only subject to the payment of additional insurance premiums.

How to get money for pensioners under the program?

State co-financed funds are assigned and payable together with insurance pension or in the form . You can receive funds in the form of either a payment, provided that the amount of pension savings is less than 5% of the insurance pension.

After becoming entitled to the corresponding pension, you can at any time apply with an application for her appointment. You can apply in the following ways:

• in person at the local branch pension fund RF or to a multifunctional center (MFC);
• by mail;
• using an Internet resource (government services portal or a service on the PFR website);
• through an authorized representative.

Required documents when applying for payment

After receiving the right to a pension, you must submit the following: the documents for its payment:

1. the passport;
2. SNILS;
3. documents establishing the right to establish an insurance payment (employment book or documents on length of service, earnings, availability of dependents, clarifying additional circumstances).

If the insurance pension has already been assigned, there is no need to submit documents, since they are already contained in the pension file.

The term for consideration of an application for a pension directly depends on the method of its payment:

• At urgent payment- during 10 days;
• With a lump sum payment - within 30 days.

When positive decision on the appointment of a pension, its payment is carried out within 2 months from the date of the decision.

Conditions for increasing pension savings under the pension co-financing program

For some citizens there are special conditions co-financing of pensions, in accordance with article 13 of the law of April 30, 2008 No. 56-FZ "On additional insurance premiums for funded pensions and state support for the formation of pension savings".

Thus, if a citizen has the right to insurance pension old age, but did not apply for her appointment and payment, he can count on an increase in his contributions four times. Such an increase in pensions by the state implies maximum co-financing for 48000 rubles.

In total, a citizen can replenish his pension by 60000 rubles, of them 12000 rubles- own contribution, and 48000 rubles- Government allowance.

But there are also limitations in such a system of increasing pensions - this is working citizens, for them a fourfold increase is not provided.

Payment of funds after the death of the insured person

In the event of the death of an insured citizen before the appointment of a pension, paragraph 6 of Article 7 of the Law of December 28, 2013 No. 424-FZ "About funded pension" stipulates that the right to pay pension savings is successors of the deceased. A citizen can determine in advance the successors, as well as indicate in the application in what shares the pension payment funds will be distributed between them. However, if such an application is not followed, the following relatives are considered successors:

• paramount- native or adopted children, parents (adoptive parents) and spouse (wife);
• secondary brothers, sisters, grandparents and grandchildren.

Secondary relatives are only eligible for payment in the absence of primary relatives.

The funded pension will be assigned to relatives only in three cases, if death has occurred:

1. before appointment pension or its recalculation;
2. after appointment of an urgent payment;
3. after assignment of a lump sum, but it has not yet been paid.

However, if the payment of pension savings was established to a citizen indefinitely, assignees should not count on it.

In order to receive the due funds, assignees must apply to the FIU or NPF no later than six months after death the insured person.

Pros and cons of the state pension co-financing program

You can highlight the pros and cons of participating in the program of state co-financing of pensions. Of the positive aspects in the program, one can designate the pension increase itself: twice, and in some cases four times, thus achieving a tangible size up its payment. Another major plus is the possibility of obtaining a tax deduction from the amount of additional contributions paid.

The ability to take care of the future and arrange a payment for relatives, in case of exceptional circumstances, can also be a useful solution.

Of the minuses, you can see annual fee limit, that is, a citizen cannot exceed the limit 12000 rubles. Another disadvantage of the program is the inability to become a participant in it. 2015 to this day, however, it is possible that the government will reconsider this circumstance.