Under the pension savings are understood funds accumulated for the benefit of insured persons, which set part of labor pension and \ or urgent payment.Any citizen of Russia can regularly check the amount of deductions.To learn how to find their pension savings, read on.

General

Since 2015 working citizens have formed insurance and pension savings.The first is divided into three categories: old-age, disability, loss of a breadwinner.Payments to pension savings are immediate, one-off or landing.Add formed based coefficients or points.Citizens can receive old-age benefits if:

• reached 60 (men) and 55 years (women), certain categories may start receiving benefits early;
• their insurance period of more than 15 years;
• minimum number of accumulated points - 30.

for each year of service at the citizen formed pension rights in the form of balls.Their number depends on the version of the pension system.When forming only insurance payment citizen charged 10 points.If funds are also on the formation of savings - 6.25.

employers pay contributions at the rate of 22% of payroll.At the request of a citizen of the whole amount can be sent on the formation of pension.It is also possible the second option: 6% tariff will be directed to the formation of the insurance, and 16% - the funded part of the pension.Choice is available only citizens born after 1966.Pooling can be charged:

• PF RF by management company (CC).
• nonstate pension funds (NPF).

selected organization will be engaged into account and cash payment.But working citizens of the Russian Federation may at any time to find out retirement savings for SNILS.You can do this in several ways:

• receive notification by mail;
• make a statement to the individual account;
• via the Internet;
• in the department of Sberbank.

In December 2014 President of Russia signed a decree to extend the moratorium on pension savings.All payments in 2015 will be directed to financing of pensions insurance.What will happen to the management companies continue is unclear.

How do you know your pension savings?

Pension Fund sends information about the account balance each year all persons who started seniority, before the release of their retirement.After receiving the letter, check the correctness of the specified data: Full name and account number SNILS.According to the document, you can keep track of how faithfully the employer contributions spent last year.Funded part of the contribution shown in the 3rd paragraph notice (for SP - in the 2 nd).The number of insurance deductions shown in the 15th paragraph.How do you know your pension savings for the entire length of service?The total amount of deductions in two directions shown in paragraphs 4 and 16.

also indicated in the notice:

• amount of funds transferred to the PF in the asset management company;
• of the contributions that have been listed in the framework of co-financing;
• amount of maternity capital, which is aimed at the formation of the funded part of pension;
• information about the selected CMO and portfolio investment.

Such notices are sent in the form of registered letters, which are given to the client by his signature.If the letter has not come, you have to personally contact the local branch of the PF account statement.

How do I know retirement savings for SNILS?

This can be done through the Internet.You must first register on the portal of public services.This process can take as authorities should identify the user.When finished, you can go to "My Account" used as a login number SNILS.This method is the most convenient and safe as you can quickly generate a statement at any time.

in the department of Sberbank

Learn accumulation in the Pension Fund may be through the portal of the credit institution.But first you need to register in the system of information exchange.To do this, you must apply to the structural unit of the Savings Bank with a passport SNILS and execute the appropriate application.After registering in the database information will be available in the "Dashboard" of online banking.Such an application can be written in any credit institution of the country, "Uralsib", "Bank of Moscow", VTB, "Gazprom".Here's how to find out the amount of pension savings.

Alternative methods

There is another option, how do you know the size of pension savings.If a citizen has been selected nonstate pension funds as the governing body of the accrual and payment of savings, in the organization and the need to learn the account balance.This information is the customer can get through personal visits and SNILS.Some NPF offer this service as a special service for a fee.

Improved safety Due to the increasing number of cases of fraud, the government is tightening control of transfers between the PD.From the Russians began to receive complaints about the unauthorized transfer of money.A man prepares a loan to a consumer product, provides a copy of SNILS in the package of documents, and then, after a few months has been notified by mail of transfer of funds to non-governmental PF.According to preliminary data, the number of people deceived in this way more than 26 thousand people.

But even if you have received a letter of transfer of funds, do not panic.The problem can be solved.But have a little run around the chain of command.It is necessary to write a statement in the non-state PD to terminate the contract.Better yet, to complain to law enforcement authorities.Then SPC will be required to be tested in the Central Bank for reliability.

And while the government is trying to change the rules of procedure of re-registration.If earlier it was enough to sign the contract on the future of the insurer, it is now necessary to notify the PF of the voluntary transfer of funds to another organization.Already prepared blanks and samples of such statements.

Other CIS

Data on pension savings via the Internet can learn not only Russians.From 2015 the first began using a similar scheme in the Republic of Kazakhstan.How do I find pension savings?Through a special mobile application for smartphones and tablets.Since 2013, all insurance payments of citizens are sent to the accounts of "Single Accumulative Pension Fund".Its shareholder is the government in the face of Minfinansov and manage the savings will be the National Bank.

How do you know your pension savings?It is necessary to download the application from the online store.Then visit the branch of PF, receive a login and password.The application runs on a standard https-protocol with SSL-certificates.In the process of authentication information from the server to the client is pumped ENPF.After downloading the application opens with a menu bar.In the "Bank data" presents details on who receives savings.Edit this information can not be.Section "My storage" consists of statements.You can view the information under mandatory, professional and voluntary support.By clicking on the appropriate line appears an extract from the account number (IRS).

Through the application the user can also view a list of branches, their addresses and opening hours, send emails, manage security settings, change your password and language.

Conclusion

employer for each employee pays the premiums to the Pension Fund at the rate of 22%.From 2015, all of which is directed to the formation of the benefit for years of service.Citizens of Russia can independently monitor the amount of such deductions.How do I know where the pension savings?You can apply to the fund for the extract, view account balances online public services, or in the "Dashboard" of the bank.