Review of NPF "Future": scam or not + real reviews from investors

NPF website

The official website of NPF "Future" futurenpf.ru provides information for corporate clients and individuals. A special section is dedicated to OPS. Here you can calculate the size of your future pension, taking into account your personal data:

• Paula.
• Age.
• The size of the current salary.
• The amount of funds accumulated until the end of 2020.

The result obtained is approximate; the income from investing pension savings may be higher or lower. However, the obtained figures allow us to get an idea of ​​​​the possibility of increasing the pension, as well as to compare the performance of different funds and Pension Funds.

Helpful information! You can increase your funded pension using the state co-financing program.

It is valid for ten years for those Russians who submitted the corresponding application before the end of 2014 and made the first payment before December 31, 2020. In this case, the state doubles the amount of contributions, and the NPF accrues investment income for the double amount.

Statistics on NPF Future

The pension fund discussed in the article is one of the largest in the country. This statement can be confirmed by the fund's self-reported statistics.

Thus, as of October 31, 2020, the fund’s clients included:

• under OPS agreements – 4,296,605 people;
• under non-state pension provision agreements – 72,534 people.

The total volume of pension savings was about 261 billion 293 million rubles.

Important! The reliability of static data is ensured by the Central Bank's control over the disclosure of publicly available information.

pension plan

On the official website of NPF “Future” you can learn about the features of the pension plan. The benefits of PPI include:

• Independent determination of the size and frequency of contributions.
• Accrual of investment income on savings.
• Investment of funds by management companies in income-generating instruments.
• Receipt of the accumulated amount from the date of retirement plus income from investments.

For amounts up to 120 thousand rubles per year, a social tax deduction of 13% applies. The first payment can be increased up to 40%.

Important! Savings are protected from taxation, they are not subject to collection at the request of third parties, and they are not part of the jointly acquired property during the marriage. The amounts accumulated in the pension account go to the heirs.

Users of the NPF Future website can use a calculator to calculate PPI indicators. You can make a contribution through the accounting department of your enterprise, a Sberbank branch, Internet banking, or online.

If you wish, you can choose a personal savings strategy. If you make larger contributions, future payments will also be higher. To develop an IPP, just fill out an application on the website.

Profitability level

For the convenience of considering annual profitability indicators, for insured persons we offer a table for the last 5 years of operation of the NPF Blagostostoyanie, which in 2014 received a new name - NPF Future:

How to find out the amount of savings

Many citizens are interested in the question of how to find out their savings in the NPF “Future”. For this purpose, there is a user account on the site; you can register it after authorization.

In the upper right corner of the page you need to click the “Personal Account” button; to log in you will need SNILS, phone number or email address that was specified during registration. You must also provide your password. Next, select the “Pension Savings” tab and indicate the date of the last transaction performed.

You can obtain information about the amount of accumulated funds directly from the fund's branches. You will have to take your SNILS and passport with you.

Customer reviews about NPF Stalfond

• Marina, Norilsk. I became a client of this NPF quite by accident. I feel like I was hypnotized by the gypsies, because I can’t find any other explanation. Employees of this NPF came from their educational activities, talked for a long time about how good their company is, etc. And they offered me introductory information in a printed version and for some reason demanded SNILS and a passport. At that moment I was so overwhelmed with my problems (my father was about to have an operation) that I somehow mechanically provided them with these documents and signed the paper. I was sure that I was signing something like “yes, I listened to them and read the information, I’ll think about it, etc.” As it turned out later, while sorting through a pile of papers on my desk, I discovered an agreement between me and this fund. To say that I was stunned is to say nothing. I started calling this madam, who so kindly told me about the advantages of the company that time, but her phone number was unreachable for several days. I called the hotline 8–800…. There they told me that in order to terminate the contract with them, I need to sign a new one with another pension fund. I did just that, ran to the Pension Fund of the Russian Federation. I do not recommend this “company” to anyone. Some scammers!
• Vitaly, 58 years old. There is absolutely nothing left before retirement, so I decided to enter into an agreement with a non-state fund in order to receive more in the end. I chose Stalfond. The company is reliable, with good conditions. My son showed me how to check my savings on the website. I check it regularly and print out the information to make sure everything is in order. No problem. All I have to do is wait until I retire to make sure that everything is fine. A work colleague is already retired and also entered into an agreement with Stalfond. Everything is stable for him, he receives money on time, and a good amount when compared with what is given to his peers with the same experience.
• Elena, Omsk. Words cannot describe, except perhaps swear words, my experience. After reading the reviews, I came to the conclusion that their cunning, unscrupulous agents like to take people by surprise precisely when they are most, so to speak, vulnerable and have poor understanding. So I am one of them. I’m on maternity leave with my seven-month-old daughter and hardly leave the house. An agent of this company knocked on our door and started talking about some form from the Russian Pension Fund that was supposed to come to me and I had to fill it out. I didn’t understand what the Russian pension fund had to do with it if they were non-state, but I didn’t have the nerve to send him and send him away, so I had to listen to the rest. And the child was capricious and did not allow him to properly concentrate on the information. Then he got me a form, asked for my information, wrote it down, asked me to put 3 signatures, left me these papers and left. Only a couple of days later I discovered that I had not signed a questionnaire, but an agreement with this company. I ran to another reliable and familiar NPF so that they could help me. I entered into an agreement with them. I don’t even want to hear about this company.
• Renat, 24 years old. The conditions are good, the reviews are positive. The company representative charmed me. Signed a contract. Retirement is still a long way off, but I’m sure it will be worthy.

Video about the merger of NPF “StalFond” and NPF “FUTURE”:

Useful articles:

Profitability and investment policy

According to the Central Bank, the profitability of NPF "Future" 2020 for OPS was 3.38%, for NPOs - 4.82%. The minimum figure was recorded during the crisis in 2011, it was 0.91%. At the end of 2020, the yield was equal to 4.08%, in 2020 it was 5.58%.

NPF "Future" implements a clear and transparent investment policy. Pension savings are transferred to the client’s personal account and then transferred to management companies for investment. Money is invested only in reliable and proven instruments that have passed numerous tests.

Investments are made in shares of large companies in the country, bank deposits, government securities, and infrastructure projects. There is a special depository to control investments.

Income received from investment is credited to client accounts annually. Savings and the amount of future payments increase, and with the onset of retirement age, a person simultaneously receives guaranteed insurance payments from the Pension Fund and a non-state pension from savings.

The basic principles of the investment policy of NPF “Future” are as follows:

• safety of funds that clients have entrusted to the organization;
• reliability and high profitability of investment portfolios;
• information openness;
• professional investment management.

When investing, a comprehensive risk management system is implemented. NPF does not seek to obtain high income in a short time by risking client money. Long-term assets with a high level of reliability are selected for investment.

History of the foundation

The Future brand appeared on the non-state pension insurance market relatively recently - in 2020, immediately becoming one of its leaders. However, this was preceded by a rather long history of the foundation’s formation.

Thus, in 2004, the non-state pension fund “Blagosostoyanie” emerged. He was one of the first in the country to begin work as part of the formation of the funded part of the pension under compulsory pension insurance. His clients were mainly railroad workers. The latter circumstance is due to the fact that the original purpose of its creation was to provide corporate pension programs for employees of enterprises included in JSC Russian Railways.

By 2010, the number of NPF clients was about 1.3 million people.

Information on the fund

Detailed statistics

In 2013, a number of legislative acts were adopted that tightened the requirements for non-state pension funds operating within the framework of compulsory pension funds. Among other things, this also concerned their organizational and legal form. The law established that all non-state pension funds must undergo the corporatization procedure by 2020.

In accordance with the requirements of federal legislation, NPF Blagosostoyanie is carrying out a reorganization. Thus, through a spin-off, OJSC NPF Blagosostoyanie OPS was created, to which, by way of succession, all obligations for compulsory pension insurance were transferred.

Reference! After the reorganization, NPF Blagosostoyanie operates exclusively within the framework of corporate pension programs for Russian Railways employees.

In 2020, NPF Blagosostoyanie OPS is undergoing rebranding and receives a new official name - JSC NPF Future. In the same year, preparations were made for the merger with Stalfond. In 2016, it was successful, after which NPF Our Future and Uralsib joined Future.

Former clients of the mentioned funds do not need to renew their contracts. They began to relate to the Future Fund automatically after their organizations joined it.

Features of termination of the contract

If you need to terminate the contract with the Future Fund, you should carefully study all the provisions of this document. If there are no special conditions for terminating the contractual relationship, it is sufficient to notify the organization of your decision. In addition, you need to write a corresponding statement.

In such a statement, the NPF client must indicate where to transfer the accumulated funds. The money can be transferred to a bank account or to another fund, including the Pension Fund. Three months are allotted for the transfer.

Upon termination of the contract, the client loses:

• Profit from profitability for the current period.
• 13% tax on pension savings.
• Money that covers transaction costs.

Important! If the accumulated amounts are transferred to another fund, the 13% tax is not charged.

Vacancies in the fund

For citizens who are interested in vacancies at NPF “Future”, there is a special section on the website. The terms of cooperation with partners are presented here, as well as the conditions for training agents. It is possible to search for vacancies in a specific city. Those interested can submit their resume using the online form.

Potential employees are promised decent and stable wages, professional growth through participation in seminars and trainings, and career development. There is a bonus system for employees.

User account features

The user account provides a number of opportunities to the organization's clients. They can:

• Check the status of your personal account;
• Study the fund's interest rate;
• Receive consultations from NPF employees online;
• Order an account statement with delivery by mail;
• Calculate benefits using a pension calculator.

To control your savings, you need to select the appropriate tab in the user account and send a request to receive data (the “Get service” button).

Important! The statement is provided free of charge and is available just a few minutes after submitting the application.

Contact Information

All necessary information about the conclusion and termination of the contract, as well as other nuances related to the activities of the fund, can be obtained by calling the hotline number. The call throughout Russia is free. The organization can be contacted by email

In Moscow, the NPF office is located on Tsvetnoy Boulevard, 2, checkpoint D. The website has a complete list of representative offices and offices in different cities. This means that residents of any region can contact the nearest representative office.

( 34 ratings, average: 2.65 out of 5)