Pension accumulation is understood as means accumulated in favor of the insured persons, for which a part of the labor pension and / or an urgent payment is established. Any resident of Russia can regularly check the amount of deductions. On how to find out your retirement savings, read on.

General information

Since 2015, working people are forming insurance pensions and savings. The first are divided into three types: old age, disability, in the event of loss of breadwinner. Payments of pension savings are urgent, non-recurrent or targeted. Rights are formed on the basis of coefficients or points. Citizens can receive old-age benefits if:

• Reached 60 (men) and 55 years (women), some categories may start receiving benefits early;
• Their insurance experience is more than 15 years;
• The minimum number of accumulated points is 30.

For each year of work, the citizen forms pension rights in the form of balls. Their number depends on the pension option. When forming only the insurance payment, a citizen is awarded 10 points. If the funds are also directed to the formation of savings - 6.25.

Employers pay contributions at a rate of 22% of the wage fund . At the request of a citizen, this whole amount can be used to form an insurance pension. The second option is also possible: 6% of the tariff will be directed to the formation of the insurance, and 16% - to the funded part of the pension. The choice is available only to citizens born after 1966. Accumulation of funds can be charged:

• PF of the Russian Federation, having chosen the management company (MC).
• Non-State Pension Fund (APF).

The selected organization will deal with the account of funds and their payment. But working citizens of the Russian Federation can at any time learn pension savings by SNILS. There are several ways to do this:

• Receive notice by mail;
• Make an extract from an individual account;
• through the Internet;
• In the Sberbank branch.

In December 2014, the President of Russia signed a decree on the extension of the moratorium on pension savings. All deductions in 2015 will be used to finance insurance pensions. What will happen to management companies on, it is unclear.

How can I know my pension savings?

The Pension Fund sends information about the balance of the account to all persons who have begun their work experience before retirement. After receiving the letter, it is necessary to verify the correctness of the indicated data: the name and surname of the personal account of SNILS. According to the document, it is possible to track how conscientiously the employer made deductions in the past year. The accumulative part of the contributions is displayed in the third point of the notice (for the IP - in the 2nd). The figure of insurance deductions is shown in the 15th paragraph. How to find out your pension accumulation for the whole length of service? The total amount of deductions in two directions is shown in points 4 and 16.

Also in the notice is indicated:

• The amount of funds transferred to the FF in the trust management of the company;
• Part of the contributions that were transferred under the Co-financing Program;
• The amount of maternity capital, which is aimed at the formation of a funded part of the pension;
• Information on the selected MC and investment portfolio.

Such notices are sent in the form of registered letters, which are handed to the client under his signature. If the letter does not come, you will have to personally contact the local branch of the PF for an extract from the account.

How to learn pension savings by SNILS?

You can do this via the Internet. First you need to register on the portal of the State Service. This process can be delayed, since authorities need to identify the user. At the end of the procedure, you can go to "My Kaspersky Account" by using the number SNILS as your login. This method is the most convenient and safe, because it allows you to quickly generate an extract at any time of day.

In the branch of Sberbank

You can find out the savings in the Pension Fund through the portal of a credit institution. But first you need to register in the information exchange system. For this, it is necessary to apply to the structural subdivision of the Savings Bank with a passport, SNILS and issue the corresponding application. After registration in the database, the information will be available in the "Personal account" 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 to know the size of pension savings. If a non-state PF was elected as a managing body for accrual and payment of savings, then the account balance must be known in this organization. This information can be obtained by the client at a personal visit and by the provision of the SNILS. Some APFs provide such a service, as a special service, for a surcharge.

Improving security

In connection with the increase in the number of cases of fraud, the state tightens control over transfer of funds between the PF. From Russians began to receive complaints about an unauthorized transfer of money. A person draws up a loan for consumer goods, provides a copy of the SNILS in a package of documents, and then, in a few months, receives a notification by mail about the transfer of funds to a non-state pension fund. According to preliminary data, the number of people deceived in this way exceeds 26 thousand people.

But even if you received a letter about the transfer of funds, you should not panic. The problem can be solved. But it is necessary to run a little for instances. It is necessary to write an application to a non-state PF on the termination of the contract. Better yet, complain to the law enforcement agencies. Then the APF will have to undergo a check in the Central Bank for reliability.

In the meantime, the state is trying to change the procedure for re-registration. If earlier it was enough to sign on the contract of the future insurer, now it is necessary to notify the PF in writing about the voluntary transfer of funds to another organization. Forms and samples of such statements are already being prepared.

Other CIS countries

Data on pension savings through the Internet can be learned not only by Russians. Since 2015, a similar scheme has been used in the Republic of Kazakhstan. How to learn pension savings? Through a special mobile application for smartphones and tablets. Since 2013, all insurance contributions of citizens are sent to the accounts of JSC "Unified Accumulative Pension Fund". Its shareholder is the government represented by the Ministry of Finance, and the National Bank will manage savings.

How can I know my pension savings? You need to download the application from the online store. Then visit the branch of the PF, get your login and password. The application operates on a standard https protocol with SSL certificates. During the authorization process, customer information is downloaded from the EPPF server. After downloading, the application opens with the menu bar. In the "Banking data" section, the bank details for which accumulations are received are presented. You can not edit this information. The section "My Accumulations" consists of extracts. You can view information on contracts of compulsory, professional and voluntary security. When you click on the corresponding line, you see an account statement with the account number (IPS).

Through the application, the user can also view the list of branches, their addresses and time of work, send electronic messages, manage security settings, change the password and language.

Conclusion

The employer pays contributions to the PF for each employee at a rate of 22%. Since 2015, all this amount is directed to the formation of a long service benefit. Citizens of Russia can independently track the amount of such deductions. How to find out where the pension savings are? You can apply to the fund for an extract, view the account balance on the website of the State Service or in the "Personal Account" of the bank.