In connection with the growing popularity of non-state pension funds, quite a lot of people have recently become interested in a company such as StalFund. The reviews about this organization are quite contradictory both from the employees and from the clients, therefore, initially it is worth considering the main offers from this fund and the opinions of the parties on each of them.
What are the advantages of this organization?
Of course, like any other company, this private pension fund talks about its main advantages over competing structures. In particular, it is thanks to these advantages that many people are interested in the “StalFund”. Feedback from people are inconsistent, but many say that most of the above is true.
The benefits themselves are as follows:
The system of compulsory pension insurance allows citizens to provide full compensation for earnings after they reach the retirement age, or will be forced to enter it due to other reasons. Funds for this security are created using monthly deductions from the employer in the amount of 22% of the employee’s earnings, 16% of which are added to the insurance, while 6% are sent to the funded pension.
Initially, both insurance and funded pensions are at the disposal of the Pension Fund of the Russian Federation, which, in accordance with the legislation, has very, very limited opportunities to make investments. For this reason, until the end of 2015, citizens can provide an opportunity to manage their own funds in favor of non-state pension funds, which allow not only to save 6% of deductions, but in addition to this they can also significantly increase their future pension due to the fact that savings funds can be invested much more effective.
Do I have to apply?
Those people who will not apply for the transfer of funds under the management of non-state pension funds are completely deprived of the formation of pension savings, while all existing contributions will be directly directed towards the accumulation of the insurance pension. It was in connection with this that many decided to transfer their savings account to StalFund. Customer reviews suggest that not all people have done this consciously (contract specifics), while others are unhappy with the service. There are also a large number of satisfied customers who are satisfied with the services provided to them.
What does the company offer?
- extremely effective investment of all funds that are in pension savings;
- maximum reliable and high-quality management of savings funds;
- providing an opportunity to further increase the future pension due to the fact that investing savings is more profitable;
- the possibility of obtaining instant access to any information regarding the status of your own account.
These are the benefits offered by StalFund. Customer reviews indicate that the company is really increasing the funds received, but there are plenty of subtleties in the contract that are unacceptable for some.
There are quite a number of options for how to save money for the future:
- deposit in a bank;
- investment in real estate;
- the purchase of gold and securities;
- and much more.
All these investments provide for the availability of initial capital, which must be allocated from the family or personal budget. Now it is possible to form an additional non-state pension using voluntary contributions to the Non-State Pension Fund “StalFund”. The reviews indicate that the contributions of investors are mainly placed in various legal financial instruments, which bring a good income, the approximate amount of which was written above. The total amount, frequency and duration of contributions, as well as features of the further payment of the accumulated funds, are chosen by the client.
All funds of non-state pension, if necessary, can be bequeathed to the assignees. If you wish, you can terminate the contract that you entered into StalFund. Customer feedback suggests that, in fact, with the termination of the contract there is a fairly large number of different nuances, and it is not always possible to terminate it without any problems. If the contract is still terminated, the fund pays not only the contribution made by the person, but also the investment income that has been accrued during this period of time.
Special attention should be paid to the fact that each participant has the right to receive a tax deduction in the amount of 13% of the total amount of paid contributions in the process of registration.
As you know, many companies have recently been trying to take care of their staff, trying to provide really valuable personnel with the best possible conditions for cooperation, as well as the prospect of a successful future, since a truly qualified specialist who knows his own worth will not work in such an organization. Recently, the shortage of professional staff has become particularly acute, and therefore many are looking for additional options to attract valuable employees.
What do they give?
Like no other element of the social package, corporate pension can be used as a long-term tool for maintaining a truly effective personnel policy that allows you to solve most of the tasks of personnel management, and this is exactly what the StalFund program offers. Customer reviews suggest that with the help of such a program is achieved:
- a significant reduction in the overall turnover of personnel in the process of implementing various schemes aimed at retaining a certain circle of valuable employees;
- an increase in loyalty to the management, since the manifestation of additional concern for employees automatically encourages them to more carefully and responsibly perform their own duties;
- maintenance of the necessary age structure, which is achieved due to the peculiarities of such provision;
- creating a positive image of the company, as the provision of a wide social package improves the company's reputation in the social environment, and also significantly increases its competitive advantages in the current labor market.
Modern corporate pension programs, in fact, are beneficial not only for employers, but also for the employees in whose favor they are used, therefore, the proposal made by StalFund (non-state pension fund) enjoys such popularity. Reviews, rating and other indicators of this program suggest that recently it is quite common among modern companies.
Participation in such a program allows employees to feel the stability, reliability and confidence in the future, as they will not need to worry about the possibility of going on a well-deserved rest.
Unlike all sorts of bonuses and bonuses, corporate depositors' funds that are sent directly to non-state pension benefits cannot be subject to any insurance premiums. In addition, all sorts of contributions to corporate pension programs are also related to the company's costs, providing a significant reduction in the taxable base for income tax.
If we talk about this program as an instrument of personnel motivation, then there are many advantages of what StalFund offers (non-state pension fund). Reviews, ratings and other indicators suggest that many people have already appreciated the cost-effectiveness of this approach compared to standard options like training, reward or a slight increase in salaries. The thing is that people appreciate the feeling of stability more than the existing bonuses that can be spent.
How is the corporate program introduced?
With this partnership, you can create an absolutely unique program through the NPF "StalFond". Employee feedback suggests that, in principle, there are no fundamental difficulties in the formation of an individual program, since you just need to answer a few questions. Many modern companies prefer to use this option, as you can take into account many features. Thus, it is possible to provide the most optimal variant of pension accumulation through the StalFund. Employee feedback suggests that you only need to clarify the following points:
- Determine the basic tasks that will be set for the corporate pension program. Initially, together with the customer, professional specialists will determine which group of employees will be covered, and what the company wants to achieve, using the services of Stalfond NPF. Employee reviews often indicate that it is with this item that there are no problems at all.
- To conduct a preliminary expert assessment of the required amount of funding, taking into account the prospects for the further development of the organization.
- Fully develop the necessary regulatory documentation in full compliance with all the rules put forward by OJSC StalFund. Reviews often mention a fairly large number of rules and the need to comply with them.
- Concluded a contract.
- Subsequent support is provided.
If necessary, you can always consult with the specialists of this company regarding any nuances.