KITFinance

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2016-08-12 00:00:00:


The non-state pension fund "KITFinance" occupies a leading position among domestic financial institutions providing pension services to Russian citizens. Clients of KITFinance can be confident in the future.

  1. The funds accumulated with the help of the pension fund are accrued as additional payments to the basic pension benefit.
  2. The Pension Fund undertakes to pay the amount established by the Agreement and the Legislation of the Russian Federation after the depositor reaches retirement age.
  3. The accumulative part of the deductions in favor of the pension fund is at the complete disposal of the client: he can use the money at any time.
  4. The amount of pension benefits is increased in accordance with the legislation in force in Russia.
  5. KITFinance participates in the state co-financing program.
  6. Enterprises and organizations, becoming partners of NPFs, can develop their own corporate pension program, which will allow accruing additional payments to employees, in addition to the main pension benefit.

PF "KITFinance" keeps up with the times. The company's employees have developed remote services, thanks to which depositors can track the status of their accounts remotely. By registering a personal account on the official website of the company, the client can view the history of his deductions and calculate the amount of the pension benefit.

The fund began its work in 2007. Its activities are accompanied by special permits.

In addition to providing pension services, KITFinance is engaged in banking and brokerage activities.

 

Profitability of NPF "KITFinance"

The activity of the fund is based on the following principles:

  • ensuring profitability by expanding the range of services and fulfilling its obligations to depositors;
  • construction of work on the basis of real criteria and objective assessments;
  • ensuring the reliability of shares and other types of securities;
  • openness and transparency of the investment process for all participants of the pension fund;
  • transparency and openness of the investment process for state regulatory authorities;
  • effective strategy for managing the investment process.

Having traced the profitability of any organization, one can judge its reliability. An increase in the profitability of KITFinance is observed annually. At the time of 2015, the company's revenues grew by 201%. The fund managed not only to cover inflation, but also to increase the pension savings of its contributors.

Features of individual programs from KITFinance

By becoming a member of NPF "KITFinance", you can receive additional income to your basic pension accruals. Individual programs from the PF have certain advantages.

  1. For family and for myself. Fund clients have the right to draw up accounts not only in their own name, but also for members of their family: parents, children or grandchildren, spouse, and so on.
  2. Replenishment without red tape. To replenish their retirement accounts, contributors do not have to visit the company's branches. You can transfer funds from any computer (for this you need to register a personal account on the company's website), through bank transfers, through Internet banking services, postal money orders, in Svyaznoy stores, etc. Deductions can be made from salary through the employer's accounting department .
  3. Additional income. "KITFinance" is a pension fund, thanks to which a person, having retired, can count on a serious increase in his main income.
  4. Return of funds. The client has the right to demand the return of tax deductions (13%) from the contribution amount up to 12 thousand rubles (in accordance with the Agreement on Non-State Pension Provision). To do this, you must submit an application to the tax office.
  5. Termination of an agreement. Investors have the right to terminate the cooperation agreement with the fund at any time and withdraw the funds that were invested (+ investment income). The client can also transfer the accumulated finances to another organization providing pension services.
  6. The right of inheritance. In the event of the death of the contributor, the funds that have been accumulated under the individual pension program are transferred to the client's heirs.

 

Pension programs from KITFinance

KITFinance presents a wide range of pension programs. Each has its own distinctive features.

For the younger generation

For children from infancy to 15 years old, the long-term Start program is suitable. It contributes to the formation of start-up capital, saving funds before the appointed time (up to 21 years). The account is opened in the name of the child.

Young people (under 18 years old) can participate in the accumulative program "Junior". This account can also be issued for minor children (from 0 years old).

For those who are older

"Second pension" - this deposit is designed for a long period of accumulation, so it should be opened to people who are going to retire no earlier than in 6 years. This pension plan allows you not only to raise a lot of capital, but also to multiply funds by protecting them from inflation. To make a deposit, you must make an initial contribution (at least 30 thousand rubles). The minimum amount of monthly payments will be 1 thousand rubles (12 thousand per year).

The Perspective deposit is also suitable for middle-aged people. The minimum amount of the initial payment will be 100 thousand rubles. The annual payment must be at least 24 thousand rubles.

 

For people who are about to retire

People who are about to retire on a well-deserved vacation can take part in the short-term program "Life with dignity". This project is designed for a period of 1 to 6 years. The client can issue an invoice both in his own name and in the name of third parties. Thanks to this contribution, you can accumulate a decent capital. The program does not provide for partial withdrawals. The initial payment will be at least 45 thousand rubles. In subsequent years, it is necessary to contribute at least 12 thousand / year.

Pensioners can open a “Welfare” deposit. It does not have a fundraising period. This program provides for a one-time payment of at least 100 thousand rubles. The contributor can receive a pension for a certain period (from 7 to 20 years) or until the end of his life.

For status clients

The Privilege deposit is designed for clients with high earnings. To open an account, you need to make an initial deposit (minimum 500 thousand rubles). The amount of additional contributions can be any. Mandatory replenishment of the account is not provided.

 

Offers for enterprises and organizations

KITFinance Fund offers its services to corporate clients as well. By cooperating with the Pension Fund, the head of the enterprise will be able to offer his employees a social package, supplemented by new privileges.

  1. Supplement to the basic pension. After the conclusion of a cooperation agreement, the fund automatically opens accounts for the employees of the enterprise. Payments are received in equal shares. Contributions can be paid both from the budget of the company and from the salaries of staff. The objective of PF "KITFinance" is to preserve and increase the transferred funds.
  2. State program of co-financing. An enterprise can act as an intermediary between the PF and its employees (withhold the amount of the contribution from the salary and transfer it to the PF account), as well as co-finance the pension payments of its employees. In this case, all expenses are subject to preferential taxation. The co-financing program includes:
  • transfer of insurance contributions for the funded pension of employees at the expense of the enterprise;
  • transfer of contributions taken from the salaries of employees through the accounting department of the company;
  • reimbursement of social tax deductions.

Co-financing provides an increase in the size of pension payments. By participating in the program, the company can take advantage of the conditions of preferential taxation: paying up to 12 thousand rubles for each employee, the company does not pay insurance premiums.

  1. Insurance. KITFinance offers its clients free pension insurance.

Specialists of NPF "KITFinance" will help the heads of enterprises to choose the optimal corporate pension program or develop an individual plan of cooperation.

 

Pension programs for corporate clients

Unilateral fixation. The company deposits funds into the accounts of its employees. The right to accumulated finance remains with the company until certain conditions are met (for example, the employee must have at least 20 years of experience). After compliance with the agreed conditions, the account passes into the possession of the person in whose name it was opened. The employee can continue to invest money or withdraw funds (+investment income).

Joint funding. Replenishment of the pension account is carried out by both parties: the company and the employee. Pension contributions are accounted for separately. The company manages corporate funds (until the terms of the contract are met: work experience, etc.). Employees, on the other hand, have the right to control their savings, and in case of dismissal, they can take the accumulated money.

Use of a personalized retirement account. By participating in this pension program, the company can determine the amount of contributions to the pension accounts of its employees. Payments may depend on the salary or position of the employee. Pension accounts are registered (opened in the name of a specific person). In this case, the company cannot dispose of the transferred funds. This right passes to the account holder.

Solidary pension accounts. The company transfers funds to a solidary (general) account. The accumulated finances belong to the company, and it can dispose of them at its discretion. After certain conditions of the contract are met, the head of the enterprise instructs the fund to assign pension payments. The required amount is transferred from the general account to the nominal one.