Concern for the future starts today!

In most developed countries of the world non-governmental pension funds (NPF) play considerable role in social security of elderly people.

There is a certain gap between what a state can provide as a pension security and what people expect.

Such a gap can be compensated in certain conditions by corporate pension program.

Open non-governmental pension fund «Initiative» is registered on March 27th, 2008, registration number 12102175, certificate PF № 105.

CALCULATE PENSION

How does NPF work?

Non-governmental pension fund is an unprofitable organization that accumulates pension deposits in favor of its depositors and provides pension payments.

What is the benefit for a depositor of pension fund?

For physical body:
• Non-governmental pension is paid in addition to governmental one
• There is no income tax for physical bodies imposed on deposits to non-governmental pension funds.
• Pension deposits are put on individual pension account of depositor.
• Depositor has the right to transfer his assets to another pension fund, assurance company or bank in any moment.
• Money accumulated on individual account of the person in non-governmental pension fund “work” and bring investment income.
• Investment income brought by pension savings is also free from income tax for physical bodies.
• There is a previewed possibility for pension savings to be inherited.
• Non-governmental pension can be given 10 years earlier than governmental one.
• Investments of depositors of fund are protected by law from financial collapses.

For legal entity:
• Growth of personnel’s loyalty due to additional financial incentives.
• Enhancement of investment possibilities.
• Diminution of taxation base.

Contact person on services of Trust managing:
Makarov Denis
Executive director of AMC «Initsiatyva»
makarov@initiative.com.ua

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