Details about NPF UMMC Perspective - official website and personal account

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Despite the obvious trend in Russia towards the consolidation of non-state pension funds and a reduction in their number, so-called regional funds that specialize in the market of a specific subject of the Russian Federation continue to exist and operate quite successfully in this area.

One of these pension funds is an organization called JSC NPF UMMC-Perspective, whose activities will be discussed in the article below. Let's consider all the main indicators of its activity, its place in the ranking among other funds according to various indicators, methods of obtaining information about the state of its account and the opinion of its clients and Russians insured in it.

Official website of NPF UMMC-Perspective

UNMK NPF Perspective was opened in early 2001; it was registered as a non-state pension fund, but the organization began to operate actively only five years after its founding. The company provides standard services for insurance of citizens and accumulation of a certain part of the pension, and also deals with corporate programs for company executives.

The fund is a fairly large organization; it has many founders from enterprises in the metallurgical and mining industries of the Urals, and naturally, its clients include many employees of these enterprises.

reference Information

Table 1. General information about the fund

JSC NPF "UMMC-Perspective" was organized by 15 largest enterprises that are part of the Ural Mining and Metallurgical Company in 2001, primarily to stimulate the group's employees with additional pensions. The fund's activities also covered compulsory pension insurance and voluntary provision for individuals.

Corporate pension provision of NPF UMMC Perspective

Prospect of NPF official website can offer corporate pension provision. NPF implements effective social policy, management and optimizes taxation. The organization is developing an individual program for each company to make employee provision as profitable as possible.

Payments begin to accrue immediately after concluding an agreement with the fund. You need to obtain the right to receive a state pension in advance.

Legal entities can work on the principle of cumulative solidarity. Contributions are paid to several citizens at once, and not to a specific person.

The organization pays contributions to all employees at once, and then informs them about it individually. As a result, funding is provided both by specific employees and the entire organization as a whole. The company's employees should also sign contracts with the fund to receive future accruals and pensions.

Disclosure of key indicators

Profitability indicators, the number of clients of the organization and the amount of funds in dynamics show a detailed picture of the state of the fund, as well as its reliability and prospects.

Profitability

UMMC-Perspective pursues a conservative policy regarding the accumulation of funds, which makes it possible to neutralize risks and increase income.

Rice. 2. Directions of investment according to OPS. Source: official website

Rice. 3. Directions of investment in NGOs. Source: official website

Table 2. Return on savings and reserves in 2014–2018. Source: npf.investfunds.ru, cbr.ru

Chart 1. Profitability dynamics in 2014-2018 Source:: npf.investfunds.ru, cbr.ru

Reference! At the end of 2020, the Central Bank assigned the UMMC-Perspektiva Pension Fund 7th place in the overall list in terms of profitability.

The leaders in the ranking in terms of profitability in the first quarter of 2020 were the NPF Gazfond Pension Savings, the Vladimir Fund and the National Non-State Pension Fund.

Number of clients

The fund works with individuals in two directions, concluding contracts for compulsory and voluntary pension provision.

Table 3. Number of insured persons of the fund in 2014–2018. Source: npf.investfunds.ru, cbr.ru

Chart 2. Growth dynamics of the fund's insured persons, 2010–2018. Source: npf.investfunds.ru, cbr.ru

Reference! The NPF also serves 89,631 participants, of which 3,137 people, as of the end of 2017, received an additional pension.

Volume of pension savings

Table 4. The amount of pension savings of the fund in 2005–2017. Source: npf.investfunds.ru, cbr.ru

Graph 3. Dynamics of increase in savings in 2010–2017 Source: npf.investfunds.ru, cbr.ru

Reference! The volume of pension reserves at the end of the first quarter of 2020 reached RUB 2,018 million.

Reviews from citizens about NPF UMMC – Perspective

Now it becomes clear that NPF UMMC Perspective is friendly and conscientious towards its clients. The organization is constantly developing new programs, trying to attract as many clients as possible and justify their trust.

Reviews from citizens report that the organization constantly provides information on the calculation of contributions and interest on them, which will certainly bring in the future an increase in the basic state pension. However, people often complain about the operation of the site; they report that various glitches often occur and it is almost impossible to enter the client’s personal account.

( 8 ratings, average: 3.75 out of 5)

Awards and ratings

In October 2020, NPF "UMMC-Perspective" confirmed the reliability rating ruA+ (very high level of reliability and quality of services) of the expert agency "ExpertRA" and withdrew it.

In the RAEX rankings at the end of 2020, the fund ranks:

• 26th place in terms of capital;
• 28th place in pension reserves;
• 23rd place in savings.

Table 5. Place in the NRA ranking as of March 31, 2018. Source: npf.investfunds.ru, ra-national.ru

Gazprom structure bought part of UMMC's insurance business

https://www.znak.com/2020-10-01/struktura_gazproma_kupila_chast_strahovogo_biznesa_ugmk 2020.10.01

(a structure of the Sogaz group controlled by Gazprom) became the owner of almost 10% of the insurance company. The remaining share remained with Mednogorsk Copper and Sulfur Combine LLC (UMMC enterprise), writes Kommersant.

Jaromir Romanov / Znak.com

“Cooperation will be aimed at enriching the parties with existing practices in working in the compulsory medical insurance system. The insurance business is non-core for the UMMC group, and we are glad to see among our partners such a major player in this market as the Sogaz-Med insurance company, which has high competence in the field of medical insurance,” commented Andrey Kozitsyn, General Director of OJSC UMMC .

Sogaz-Med CEO Dmitry Tolstov called the deal “mutual enrichment and support for positive experience working with insured citizens.” Market participants assumed that Sogaz would completely buy out UMMC's insurance asset in the near future. According to the head of the public organization for protecting the rights of patients “Healthcare” Maxim Starodubtsev, the insurance company UMMC did not develop, but “worked in a comfortable situation in the Sverdlovsk region, including taking into account the administrative weight of the parent company.” There was no talk that the company could be profitable, he said.

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