Non-state pension funds in Russia are becoming more popular every day. Competition among these organizations is growing exponentially. After all, the population needs somewhere to keep their pension. Or rather, its cumulative part. What about the NPF Renaissance Life and Pensions? Can you really trust him? Or is it better not to mess with this organization?
Area of activity
To understand all this, you have to study the numerous customer reviews of this corporation. What employees think is also good for finding out. First of all, consider what Renaissance Life and Pensions does? The activities of organizations play an important role for customers.
Fortunately, there is nothing special in this area. NPF Renaissance Life and Pensions is a place where the population can keep the funded part of their pension. Monthly citizens make deductions, and when the time comes, they receive in the form of pension payments. For such a "transparency" of activity, the company earns only positive reviews. Especially because, in addition to saving money "for old age", you are presented with the opportunity to increase funds.
Employer
Renaissance Life and Pensions (NPF) reviews as an employer receive mixed reviews. It is difficult to judge whether it is worth contacting for work or not. After all, opinions were divided. More precisely, most employees are satisfied with the proposed conditions, but at the same time they carefully emphasize the negative aspects of working in the corporation.
Among the advantages can be identified a stable work schedule, as well as comfortable working conditions. Here you are guaranteed a full social package, a fixed salary and bonuses. Minimum fines imposed on employees.
But the disadvantages include coercion to join the company. NPF Renaissance Life and Pensions literally without fail compels all its employees to transfer their funded part of the pension here. This is very alarming to many. However, a similar picture develops in all non-state pension funds, there is nothing special about this. Also, employees assure that the salary here is not too high (about 10-11 thousand rubles), and the load is constant and very large. In addition, you often have to communicate with outraged or understanding nothing visitors.
Rating
A huge role for the Renaissance Life and Pensions (NPF) rating plays. In the same way as for all other organizations. The higher the popularity of a company, the more customers you can expect.
According to statistics, this pension fund is in the top 10 organizations where you can keep the funded part of the pension. So keep that in mind. Especially if stability of the company is important to you.
The level of trust in the Renaissance Life and Pensions organization is quite high - A + (almost the maximum). And this indicator pleases. It causes some trust and confidence that you can not be afraid for your funded part of pension contributions. So, you should not refuse this company if you choose a non-state pension fund. The Renaissance deserves attention at least.
Profitability
But what else is important for customers? For example, profitability. After all, pension funds promise not only to save, but also to slightly increase your deductions. This is what many organizations often attract new investors.
NPF Renaissance Life and Pensions is not the most profitable option. Nevertheless, the conditions that he offers may seem more favorable than some competitors. According to the official website, the annual return is 7.68%. If you think about it, this is a very good indicator.
Only in practice is a slightly different situation obtained. In fact, taking into account inflation and other features of the Russian economy, the profitability of the organization is about 4-4.2%. Yes, the difference is huge. And so many customers remain outraged: they promise one thing, but in reality provide a completely different one. Nevertheless, even a 2 times reduced income from Renaissance surpasses a little the return that competitors offer.
Surprises for investors
True, NPF "Renaissance Sun, Life and Pension" (the new name of NPF) scares investors off with some of its other negative aspects. For example, you should pay attention to what you may find: your funded part of the pension is already in the Renaissance. For all this, you have not received any calls to this company.
In principle, for non-state pension funds this is quite normal. And it usually happens with officially employed citizens, because these organizations sign agreements with employers for membership. During which all employees of a particular corporation become members of the pension fund. Their consent is not required to transfer the funded part of the pension. Hence the great public discontent.
Self-handling
But if you yourself apply to the NPF Renaissance Life and Pensions, there will be no complaints. When you decide to keep your pension at the Renaissance, the service does not take a huge amount of time. Moreover, you will quickly draw up an agreement that spells out all the features and nuances of storing pension contributions.
True, some problems may arise. For example, if you decide to change your pension fund, this is not so easy. Not a single non-governmental pension organization will just let its customers go. The Renaissance is no exception. You will need to write an application for transfer several times, “fight” to seek termination of the contract.
Among other things, they say what happened at the NPF Renaissance Life and Pensions license revocation. The reason for this was incidents with pension payments. Citizens simply did not receive them on time. But has this organization really lost the right to conduct business?
About license
Yes this is true. This company no longer has any rights to carry out its activities. The Renaissance Life and Pensions non-state pension fund was revoked because its customers did not receive their money on time. That is, in fact, the fund went bankrupt and ceased to fulfill its obligations.
Thus, it makes no sense to talk about what the NPF Renaissance is. After all, he does not have a license. So, you should not contact this corporation. And even if it revives, we recommend that you don’t transfer your funded part of pension contributions here. It is better to choose a more stable company for this idea.