Where to transfer the insurance part of the pension rating. Transfer of the funded part of the pension to a non-state pension fund. The procedure for transferring the funded part of the pension to the NPF of Sberbank

Do you want to receive a decent amount of money when you retire, but don't know what you need to do to get it? Then it is worth thinking about how to most rationally dispose of the pension funded part. Where is it right to invest in order to maximize the benefit?

Ways to invest in pension savings

1. 1) do nothing;
2. 2) transfer the funded component to a private management company;
3. 3) choose non-state Pension Fund.

If you choose the second option, the funded part stored in the state Pension Fund will be managed by the Criminal Code you have chosen. Advantages of the second way:

• Private management company has large quantity methods for investment;
• Its profitability is greater.

Only those companies that have signed a trust management agreement with the Pension Fund of the Russian Federation can manage the funded component.

How to choose the right NPF

When choosing a management company or NPF, rely on two factors:

1. profitability;
2. the credibility of the organization.

Pay attention to the founder of a non-state fund. Well, if it is a large industrial or financial organization. The size of the NPF is also important: find out what its pension reserves and savings are.

The reliability of the fund is judged by the compiled ratings (they are posted on the websites of the National Rating Agency or Expert-Ra).

The most reliable NPFs

NPF Almaznaya Osen has serious founders - Joint Stock commercial Bank Derzhava, Interregional Trade Union of Workers of AK ALROSA Profalmaz, Joint Stock Company ALROSA.

Diamond Autumn has been known in the pension insurance market for more than a decade as a worthy business partner. This fund has a permit to work in the field of compulsory insurance of pensions for their funded part, issued by the Federal Service for Control over Financial Markets of Russia.

Diamond Autumn invests pension savings in the economic development of Yakutia. The main conditions for investments are profitability and reliability. The activities of the fund are open to everyone: contributors, founders, members of the fund, regulatory government agencies and experts. Over the entire period of operation, Diamond Autumn has been listed as a leader in its industry and, according to the ratings, is always in the top ten large NPFs.

And for another important reason, a future pensioner can choose Diamond Autumn. An interesting fact: the state pension cannot be inherited, because This payment is for life. But in the case of "Diamond Autumn" the situation is different. By investing money in this Fund, a pensioner can bequeath what he has accumulated.

NPF Atomgarant has been operating for almost twenty years. Its founders are large enterprises of the nuclear industry and energy, such as the Rosenergoatom concern and others. The Fund's contributors are forty enterprises and organizations of the nuclear industry and energy.

The activities of the Fund are carried out in accordance with the federal laws of the Russian Federation, as well as the insurance and pension standards of the organization. The purpose of the Fund is to ensure the safety and growth of pension reserves. They are invested by the NPF itself and with the help of its partners - management companies.

Every year, the Fund undergoes an actuarial valuation and an independent audit. The depositary controls the structure and composition of pension reserves on a daily basis. You can learn about the results of Atomgarant's work from the annual report published once a year in the media.

• Leave your pension funded part in the state fund if you are less than ten years away from retirement.
• If your retirement is in ten to fifteen years, choose an NPF or a management company. Choosing a management company is risky, but the long-term returns will be higher. So the management company is more suitable for young people.

Where to invest the funded part of the pension?

The funded part of the pension today can be invested in various non-state pension funds that offer their customers favorable conditions and high interest rates. However, almost every person is faced with the question of where to invest the funded part of the pension, and it is important that it be safe and constantly increase. At the same time, it is necessary to choose a non-state pension fund that will not only offer interesting and good conditions for a transaction, but it will also be reliable and stable, because then you can be sure that all funds will not be lost.

Few people understand the differences that exist in different non-state pension funds, so you need to know certain rules and recommendations, following which you can conclude an agreement with a reliable organization. At the same time, the layman cannot constantly monitor the changes that occur in the pension fund, for example, people cannot regularly monitor the flow of profits to the institution or determine the growth rate of its property.

Aspects to pay attention to

You can invest the funded part of your pension in a pension fund that is highly profitable and reliable. These two aspects are the most important and significant, therefore, before choosing a particular institution, you need to check its profitability, as well as stability. This is due to the fact that the growth of savings of each contributor depends on the income of the pension fund. It is very easy to find out the profitability of an organization, since they are obliged to give this information to the public, with fresh data released at the end of the quarter. Therefore, the higher the profitability of a non-state pension fund, the more the contributor will receive payments, which will lead to a large funded part of the pension. At the same time, it is recommended to evaluate indicators for a long time in order to find out the average indicator. If the average value is not freely available, then this may indicate that the organization is not always doing very well.

However, it is quite difficult to correctly and rationally determine the reliability of a particular fund. To do this, you can use special ratings that are created by various agencies. It is recommended to focus on the Expert RA rating, which quarterly and annually analyzes many different indicators of almost all non-state pension funds, as a result of which organizations are assigned a certain class. The most reliable are the funds that have been assigned the A ++ class, so when choosing such an enterprise, you can be sure that all the invested funds will really be directed to the desired goals, and the funded part of the pension will constantly grow.

The most popular NPFs

It is best to invest the funded part of the pension in a fund that is both reliable and highly profitable, but in reality it turns out that when choosing a high indicator of one factor, one has to underestimate the importance of another. The most famous and popular funds with a large number of contributors are funds:

• "welfare"
• NPF Sberbank,
• Defense Industrial Fund.

When choosing one of these funds, you can be sure that the funded part will always remain intact, and will also constantly grow, which will lead to the fact that in old age the depositors will receive a good pension.

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Evgenia Noskova on how to choose a non-state pension fund.

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Pension savings are "frozen" for the fourth year in a row. But this does not prevent people from transferring money to non-state pension funds (NPFs): last year, almost 5 million Russians changed the Russian Pension Fund to NPFs, and almost 2 million more changed one NPF to another.

What does "freeze" mean?

It was decided in 2002 to divide the pension into two parts - insurance and funded. Then it was assumed that payments to current pensioners would be fully covered by the insurance part. And the accumulative (6% of the salary) will go to the future pension of the one who makes contributions. It can be given to the management of the NPF or management company, or you can leave it in the state management company, Vnesheconombank. Those who chose the second option are called "silent".

But something went wrong - in 2013, a deficit of the Pension Fund of Russia was discovered, and it was proposed to cover it through deductions for funded pension. The “freeze” was supposed to be one-time, but it has been extended for several years.

This means that the 6% that the employer deducts from each employee's salary is not sent to his savings account with VEB or NPF, or a private management company, but goes to payments to current pensioners (and other expenses of the country). Receipts for the years of "freeze" are promised to be taken into account as certain points, but how will they be calculated upon the onset retirement age NPF contributor is unknown.

Now, according to the Pension Fund of Russia, 76.4 million people have savings. Most of them are “silent” (46.5 million), NPFs have chosen 29.8 million (the rest are private management companies).

Pension market participants say that in order to attract clients, NPFs focus on the fact that savings in the fund are formed in rubles. In addition, they can be inherited. Silent players are accumulating incomprehensible points, the value of which is difficult to assess - especially considering that the rules of the game are constantly changing.

How to choose a fund

The pension market is quite concentrated: 80% of its assets at the end of 2016 were controlled by 13 NPFs. The concentration will continue further, experts say, including through captive funds (those that serve individual employers).

There are many criteria by which the reliability of a fund can be assessed. Most often, it is advised to pay attention to the life of the NPF (the longer the better), the volume pension savings in management, the number of insured persons, the volume of own property.

The most obvious criterion - the profitability of investing pension savings - is not so easy to evaluate. For example, according to the results of the first half of 2017, according to the Central Bank, more than half of the NPFs showed a yield lower than that of VEB. He managed to earn 8.8% per annum, and such large funds as the NPF "SAFMAR", "Lukoil-Garant" and "Future" - 3.4, 3.3 and 3.9%, respectively.

But we must bear in mind that pension savings are a long-term story. By the end of this year, the distribution of profitability may change. For example, at the end of last year, all three NPFs managed to earn more than inflation (5.4%, according to Rosstat): NPF SAFMAR had a profitability of 10.6%, NPF Lukoil-Garant - 9.5%, NPF "Future" - 5.6%.

Other parameters can be viewed, for example, on the website of the Expert rating agency. The leaders in terms of pension savings for 2016 are NPF Sberbank (353.1 billion rubles), NPF Future (257.4 billion rubles), NPF Lukoil-Garant (250.6 billion rubles). They are also leaders in terms of the number of insured persons (4.2 million people in NPF Sberbank, 3.9 million in NPF Future, 3.3 million in NPF Lukoil-Garant).

In terms of capital (property intended to support statutory activities), NPF Gazfond (40 billion rubles), NPF Lukoil-Garant (28 billion rubles) and NPF Surgutneftegaz (20 billion rubles) are leading. You can also look at the leaders in the average account for compulsory pension insurance - NPF Surgutneftegaz (224 thousand rubles), NPF Alliance (183 thousand rubles), NPF Transneft (167 thousand rubles).

You can calculate exactly how much you will receive as a funded pension in a particular fund. On the website of most large NPFs there is pension calculators, in which you need to enter gender, age, in what year you started working, average salary, how much you deduct to the co-financing program, if you participate in it. With my parameters, it turned out that if I transfer the funded part to the VTB Pension Fund, the pension will be 18,329 rubles. In NPF "Sberbank" - 15,309 rubles, in NPF "Lukoil-Garant" - 18,853 rubles.

For example, a 35-year-old woman who started labor activity in 2002, with a salary of 50 thousand rubles a month, he will receive a funded pension of 19,123 rubles a month if he transfers his savings to NPF Lukoil-Garant. If the average salary is 70 thousand rubles, the pension will not grow much - up to 19,707 rubles, with a salary of 100 thousand rubles - up to 20,046 rubles. When transferring savings to the VTB Pension Fund, with the initial input data, the funded pension will be 21,264 rubles, with a salary of 70 thousand rubles - 21,866 rubles, 100 thousand rubles - 22,466 rubles.

If financial literacy allows, you can look at the investment portfolios of funds. Most large NPFs disclose them on their websites. True, market participants say that the final result of management is important for a fund investor, that is, profitability, and not whether it is earned on stocks or bonds.

There are too many factors that influence the dynamics of investment assets. And even if you know that your fund has invested, for example, 54% of its funds in bonds, it is unlikely that you will be able to assess how this will affect long-term returns. At the same time, the funds that earned less than VEB in the first half of 2017 invested in shares, and those who invested in bonds managed to show the maximum return (14.7%).

The FOM survey showed that 10% choose NPFs in terms of profitability, 6% follow the recommendations of acquaintances and friends, 4% form a savings part in the fund chosen by their employer. If you choose a fund by profitability, then you need to look at the accumulated profitability for 8-10 years. Experts call this range sufficient to understand how stable and efficient pension funds are managed.

personal plan

In addition to the funded part of the pension, it is still possible to form an individual pension plan in the NPF. They are offered by large funds. As a rule, there is a certain minimum down payment (from a thousand to 30 thousand rubles). Some funds allow you to choose the amount and frequency of subsequent contributions. You can even set the automatic deduction of money for an individual pension plan from your salary. This is suitable for those who have a stable income.

Financial advisors advise those with unstable incomes (eg, creative professionals, freelancers) to choose plans with flexible contributions. You need to understand that the smaller the deductions, the smaller the amount of payments will be when reaching retirement age. For investments, you can receive a social tax deduction - 13% of contributions (but not more than 120,000 rubles per year).

As in the case of the funded component, you deposit money into an account, the fund invests it and then pays you a non-state pension, taking into account the accumulated investment income. Individual pension plans can be inherited, are not divided upon divorce, and are not recoverable by third parties.

Pitfalls can come up if you want to leave your IRP early. In most funds, this can be done without loss no earlier than five years later. For example, 100% of paid contributions and 50% of investment income are returned to the NPF of Sberbank in two years, and 100% of contributions paid and 100% of investment income are returned in five years. In the NPF "Future" when leaving the plan earlier than in three years, 80% of the paid contributions are returned.

Some NPFs charge a commission on each contribution - this should also be paid attention to when applying for a pension plan.

If the license is revoked

The Bank of Russia revokes licenses not only from banks, but also from NPFs. In 2015–2016, 28 funds lost their license.

What happens if your NPF has its license revoked? Before January 1, 2016, all NPFs had to enter the guarantee system. Therefore, pension savings will be transferred to the Pension Fund of Russia. However, only the amount of contributions that your employers have paid for you, as well as the funds paid under the program, are guaranteed. state co-financing pensions if you participated in it. Investment income is not taken into account.

Theoretically, it can be paid if the Deposit Insurance Agency manages to earn more than the guaranteed nominal value from the sale of the assets of the licensed NPF.

After the pension savings are transferred to the Pension Fund of Russia, you will need to write an application (may be in electronic form) about choosing a new insurer.

In our country, a labor pension is state assistance in the form of cash payments that are made every month for Russians who need material support due to disability. People who receive such pension benefits are called "pensioners".

Retirees include Russian citizens who:

• have reached a certain age (men - 60 years, women - 55 years) and have gained sufficient seniority(from six years);
• have a disability for health reasons (disabled people of groups 1, 2 and 3 fall under this category);
• deprived of the opportunity to work independently, lost the breadwinner, who was dependent on them.

Also, Russian legislation offers the possibility of early retirement for doctors, teachers, mining workers, workers Far North, mothers of many children, etc.

In 2019, the labor pension is divided into two independent parts:

1. The insurance part - is formed through insurance premiums that go to the State Pension Fund, and is 16% of wages future retiree.
2. The funded part - is formed on a voluntary basis, is 6% of the employee's salary, it can be transferred to the Non-State Fund.

Experts remind: from 2016 to the end of 2017 the Government Russian Federation announced a moratorium on the funded part of pension cash contributions. This means that the funds allocated to the funded part are included in the insurance component, which will now be 22% and will go to the needs of the state - the payment of pension benefits to real pensioners.

The funded part of the pension in 2017 and its features

The funded part can be formed not by all future pensioners, but only by those who were born in 1967 and later. This part has its own characteristics:

• the presence of an individual account on which finances are saved and accumulated;
• protection from the state (it does not have the ability to withdraw and spend them on the needs of the country);
• dependence of its future size on investment by the management company;
• individual choice of the future pensioner of the Pension Fund (either state or non-state);
• exposure to inflationary losses.

In connection with the introduction of a moratorium on the funded component labor pension, the government provided the citizens of our state with the opportunity to decide on the method of forming this part. You can leave it as a component of the insurance component, or you can transfer it to the Non-State Pension Fund (NPF).

Accumulative part: procedure for transferring pension funds to NPFs

Where to transfer your money savings, the future pensioner decides. When transferring the funded component of a labor pension from the PFR to one of the NPFs, you need to familiarize yourself with all possible ways performing this procedure:

• a personal appeal to the branch of the local FIU, where you come with an application to transfer your finances from the funded part to the selected NPF;
• electronic appeal through the site "Electronic government, public services" http://www.gosuslugi.ru/pgu/ by clicking on the tab "Selecting a Non-State Pension Fund when transferring from the Pension Fund of the Russian Federation";
• the postal service where you apply to send a registered letter to the FIU with the necessary documentation;
• through a trustee who will perform all the steps of this procedure on the basis of a written power of attorney certified by a notary.

This operation of transferring the funded part from the PFR to the NPF is free. Within one day, the applicant:

1. Applies to the territorial branch of the NPF at the place of registration or at the place of residence.
2. Writes an application in the appropriate form with a request to transfer the funded part of the pension from the PFR to the NPF.
3. Passes the procedure of registration of the fact of acceptance of his application in the appropriate journal.
4. Receives a receipt of receipt of the application (on request).

Despite the simplicity of this procedure, there is still an important nuance: it could be used no more than once a year and no later than December 31, 2015.

But Russian law also stipulates a number of conditions due to which the applicant may be refused. This can happen when you contact your local branch of the FIU, if:

• the applicant does not have a passport;
• he does not have an insurance certificate of compulsory pension insurance;
• there is no document that would indicate the number of the insurance certificate (issued by the territorial body of the PFR).

Experts advise: before choosing where to transfer your savings, you should familiarize yourself with the NPF rating, look at reviews about them, and informational data.

NPF rating in 2019

Now many Russians, as future pensioners, are interested in: where to transfer the funded component of labor pension, which of the NPFs is the best?

The basis for the final decision is a number of criteria that should be taken into account when choosing a Non-State Pension Fund:

• reputation;
• reviews;
• profitability statistics;
• comparison of the rate of return with the rate of inflation (if the rate is lower, it is unlikely that savings will be completely safe);
• duration of operation of this fund in the financial pension market;
• growth dynamics of the clientele (the level of trust of Russians in the fund depends on it).

There is a site "Navigator of the pension market" http://ratingnpf.ru/, which analyzes the activities of NPFs operating in our state. Navigator experts have compiled a rating of non-state funds according to several criteria.

Consider the top three in each of the presented categories:

1. According to the average annual return (in%):
   • CJSC NPF Promagrofond - 19.63;
   • JSC European Pension Fund - 12.43;
   • Defense Industrial Fund - 11.94.
2. By return on savings (in%):
   • "Consent" - 12.7;
   • "Magnet" - 12.16;
   • JSC European Pension Fund - 10.87.
3. By market share among NPFs (in %):
   • Lukoil GARANT - 13.27;
   • JSC NPF Sberbank - 6.61;
   • OJSC Electric Power Industry - 6.45.
4. As recommended by users:
   • Promagrofund;
   • "Defense-Industrial Fund";
   • JSC Surgutneftegaz.

On the same site you can get all the information of interest to the future client about the fund where you can transfer savings for future pension by sending an application not only to him, but to all funds. To do this, fill out the appropriate form: full name, phone number, SNILS and indicate the email address where the answer will come.

In accordance with pension reform citizens of our countries can independently manage their pension savings. One of the options for managing accumulated funds is to transfer them to NPFs. This investment contains both positive sides, as well as negative ones. Therefore, it is necessary to consider this question from all sides. Worth a close look reliability and profitability ratings fund, as well as the composition of its founders and the period of existence.

After a thorough study of all the information, you can conclude an agreement on the OPS with the selected fund. You need to be aware that in relation to one period of time only one treaty.

Now the formation of the funded part is “frozen” for another three years(until 2020). In the future, the Government plans to completely abandon the funded pension and introduce individual pension capital.

Is it worth building a funded pension?

The funded pension is formed by:

• 6% of insurance premiums paid to the FIU by the employer;
• contributions on a voluntary basis for;
• investing the savings in the account.

The insured person decides on his own which option for the formation of a pension to choose. To make a decision, you need to know how the security can be increased, as well as other conditions provided for by law.

pros funded pension are as follows:

• according to sub. 1 p. 1 art. 4 of Law No. 360-FZ of November 30, 2011, in some cases, a citizen can receive all pension savings that are on the account in the form;
• unlike an insurance pension, this type of security can.

Main minus funded provision - the absence of a guarantee in the annual increase in pensions, since the state does not index this payment, and its profitability depends on the results of NPF investment in the financial market.

Why transfer the funded part to the NPF?

As a rule, the yield that NPFs receive when investing pension savings is higher than in the PFR. This is due to the fact that NPFs have greater flexibility in managing funds. While the PFR invests money only through Vnesheconombank.

High yield- not the last advantage of NPF. They stand out:

1. Service level - you can monitor the status of your account online.
2. The presence of an agreement - it guarantees that the uniform rules will remain for the entire period of its validity.
3. Openness - annual publication of financial statements.
4. Security - the funds of citizens are insured and will be returned by the state in case of revocation of the license from the NPF or its bankruptcy.

Thus, it is enough to simply answer the question, why transfer the funded part to the NPF: to preserve the funded component of the pension and increase its own.

Is it possible to transfer savings in 2019?

The legislation establishes deadlines during which a person needs to decide how his pension provision will be formed. The opinion had to be expressed before the end of 2015. Citizens who at that time had not made a choice (the so-called "silent people") could find themselves in a difficult situation, since accrual pension provision produced differently.

For individuals who were born in 1967 or younger, it is possible:

• Refuse the funded part. Then the accumulated funds will be included in pension savings as a lump sum payment, and they will continue to be indexed. If a citizen has pension savings in NPF accounts, he can refuse this at any time by contacting the PFR department.
• Save your funded pension. It is measured in rubles, and therefore, it is possible to bequeath these funds.

Although the resumption of the formation of the funded part of the pension in 2019 is not expected, the principle of investing accumulated funds in NPFs or management companies will still remain. Silent people who did not take care of the choice will have to be content with only an insurance pension, because. the use of accumulative for them became unavailable.

moratorium on funded pension

On December 7, 2016, the State Duma adopted a law that will extend for another 2017-2019. All insurance contributions of citizens in these years will be directed to on the insurance pension . Experts believe that the extension of the "freeze" will not lead to a significant influx of funds in the NFP, since the most active Russians made their choice long ago.

To solve the problem of pension provision, the Ministry of Finance and the Bank of Russia are preparing a reform that provides for the formation of savings by citizens on a voluntary basis. Funds in the amount of 6% of the citizen's income will be sent to the account in the NPF in the form of a quasi-voluntary.

The government is confident that this measure will soon help to reduce the PFR deficit by redistributing cash flows, and in the long term - to create an investment resource for paying pensions to senior citizens.

How to transfer the funded part of the pension to a non-state pension fund

Exists several ways appeals to the NPF to transfer their pension savings to this organization:

• Contact in person. This allows you to get comprehensive information about the work of the fund.
• Electronic appeal through the State Services website.
• Postal services where you need to contact to send a registered letter with the necessary documentation to the FIU.
• With the help of a trusted person who will perform this procedure on the basis of a power of attorney, which is notarized.

The operation of transferring the cumulative part is gratuitous. Within one day, a citizen:

1. Contact the NPF.
2. Writes an application with a request to transfer pension savings from the Pension Fund to the NPF.
3. Passes the procedure of registration of the fact of acceptance of his application.
4. Receives a receipt of receipt of the application (if required).

Despite the simplicity of this procedure, there is an important nuance: it can be used no more than once a year, and it is important to take into account the fact that you need to apply until December 31. If this is done at the beginning of the year, then the funds will be transferred to the NPF only a year later, therefore, the waiting period will increase significantly.

Where is it better to transfer (NPF rating)?

There is no unified system for assessing the reliability of NPFs in Russia. There are several rating agencies that conduct independent expert assessments of the work of NPFs, analyzing their work over the past periods. According to the Expert RA agency, the list of the best NPFs for 2019 includes more than 20 funds. The highest rating A++ received:

1. GAZFOND;
2. Neftegarant;
3. Diamond autumn;
4. NPF of Sberbank;
5. NPF NEFTEGARANT;
6. National NPF;
7. KITFinance NPF;
8. NPF RGS;
9. Surgutneftegaz;
10. VTB PF, etc.

When choosing an NPF, in addition to reliability, it is important fund return rate, because it is this factor that affects the value of future pension payments. According to the results of the reports, the leading positions in the profitability rating are occupied by:

1. JSC NPF "Defence-Industrial Fund named after. V.V. Livanova";
2. CJSC NPF "Promagrofond";
3. JSC NPF "Diamond Autumn";
4. JSC NPF "First Industrial Alliance";
5. JSC NPF "UMMC-Perspektiva";
6. JSC NPF "Telecom-Soyuz";
7. JSC NPF "Socium";
8. JSC NPF Surgutneftegaz;
9. CJSC KITFinance Non-Governmental Pension Fund;
10. CJSC NPF "Heritage".

Translation procedure and required documents

To begin with, a citizen needs to decide on the choice of a new fund. In order for the chosen organization to be reliable in all respects, it is worth carefully learn all the information about it. First of all look at the following criteria:

• founders;
• the age of the fund;
• reliability and profitability ratings.

It is also worth clarifying whether the selected NPF entered into an agreement with the FIU on mutual certification of signatures. If he concluded, then during a personal visit to the representative office of the selected NPF with passport and SNILS a person can sign an OPS agreement.

The OPS agreement is the determining factor in the relationship between the NPF and the insured person. Before signing the relevant documentation, you must carefully read all the clauses of the contract, as well as study the rules of the selected NPF.

Transfer of savings from one NPF to another

If the insured person is dissatisfied with the work of the selected fund, he may commit transfer to another NPF. The law provides for both the right of the citizen himself to refuse the services of the NPF, and the termination of the contract in case of incorrect documentation. You cannot make a transfer to another NPF if a person wants to leave part of the funds in the old organization. The entire amount of savings can be only one NPF, and at the request of the client, the organization must transfer all cash and interest to another fund.

A citizen can use one of two transfer options:

• early;
• urgent.

Early transition- a process that takes 1 year. A special application is made and a different address is indicated. And then, if the papers were filed in 2017, we should expect the transfer as early as 2019, but the client will lose investment funds.

If the transition urgent, savings are transferred to new organization in the year following the expiration 5 year period from the moment of signing the contract in the previous organization. In other words, if this wish is made in 2017, then the procedure will be completed in 2022. In this case, all funds will remain intact.