Цифровизация государственных услуг становится доступнее для жителей Акмолинской области
В Акмолинской области продолжается развитие цифровых государственных услуг, направленное на то, чтобы сделать их получение максимально удобным и доступным для граждан.
Один из последних примеров — перевод в онлайн-формат услуги по выдаче государственных актов на земельные участки. С 12 июля 2026 года подать заявление на получение такой услуги можно исключительно через портал электронного правительства, без обращения в ЦОН. Это позволяет жителям региона оформить необходимые документы дистанционно, в удобное время и без лишних визитов.
Такие решения показывают, как цифровизация постепенно упрощает повседневное взаимодействие граждан с государством, сокращая время и количество формальных процедур.
Развитие цифровых сервисов остается одним из важных направлений работы в Акмолинской области и способствует созданию более современной и удобной системы государственных услуг.
Развитие цифровых сервисов остается одним из важных направлений работы в Акмолинской области и способствует созданию более современной и удобной системы государственных услуг.
1) Good afternoon! Now the situation in the world is difficult, the dollar and the euro are jumping literally every day, and we, the UAPF contributors, are worried about our pension savings. Tell me how this whole situation can affect our money?
The pension savings of each UAPF contributor and beneficiary are made up of contributions received to an individual pension saving account and accrued investment income. The latter consists of income in the form of remuneration on securities (deposits and other transactions), income in the form of market and currency revaluation of financial instruments, income on assets under external management, etc.
To date, UAPF pension assets can be managed by the National Bank of the Republic of Kazakhstan and investment portfolio managers (IPMs). In order to receive investment income, they place pension assets in Kazakhstan and abroad in various financial instruments in various sectors of the economy, in different currencies. Diversification ensures the safety and sustainable profitability of retirement savings. In addition, pension savings are invested in financial instruments in different currencies. As of March 1, 2022, about 2/3 of investments are placed in tenge and about 1/3 - in foreign currency, most of the foreign currency investments are in US dollars.
Note that the income from market and currency revaluation can be both positive and negative in a particular period. Therefore, as a result of investment activities, due to the volatility of foreign exchange rates and changes in the market value of financial instruments, the amount of accrued investment income may vary.
It is important to emphasize that pension savings are long-term investments and it is advisable to analyze the amount of investment income for a period of at least one year. Short-term data (weekly, monthly, etc.) are not indicative, because dependent on ongoing changes in market conditions. For example, the amount of net investment income for 2021, distributed to the IPSA of contributors (beneficiaries), amounted to about KZT 1.4 trillion, which exceeded the amount of contributions received during the year (KZT 1.3 trillion). The return on UAPF pension assets in 2021 managed by the National Bank of Kazakhstan since the beginning of the year amounted to 11.13% (which is higher than the return on term bank deposits), with inflation of 8.4%.
In any case, you should not worry about the safety of your savings. In accordance with the Law on Pension Provision of the Republic of Kazakhstan, the state provides a guarantee of the safety of pension savings, taking into account inflation at the time of obtaining the right to pension benefit payments. This norm, which has no analogues anywhere in the world, contributes to the preservation of contributors' savings from inflation. When transferring pension savings to the management of the IPM, the guarantee of the state is replaced by the guarantee of the management company to ensure the minimum level of return on pension assets.
It is important to emphasize that the entire system of investment management and accounting for pension assets is transparent: each contributor has the opportunity to see his investment income in his personal account on the enpf.kz website or in the mobile application 24/7. Note that the revaluation of pension assets is carried out weekly and on the last day of each month.
Information on the investment management of UAPF pension assets and on financial instruments in which UAPF pension assets are placed is published on the official website of UAPF (www.enpf.kz) in the section "Indicators / Investment activity".
2) Good day! At the moment I have financial problems, and I cannot pay my consumer loan, can I withdraw my pension savings to pay it?
The rights of individuals to pension assets in accordance with the provisions of Article 50 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan belong to the category of real rights provided for by the Law, and can be used exclusively for the purposes specified by the Law, including for making pension benefit payments, lump sum pension benefit payments in order to improve housing conditions and (or) pay for medical treatment in accordance with the legislation of the Republic of Kazakhstan.
The assignment of pension assets to the category of real rights means that the contributor (beneficiary), owning pension savings, cannot use and dispose of them until certain conditions stipulated by law occur.
According to paragraph 1 of Article 30 of the Law, pension benefits from the UAPF are paid from pension savings formed from the compulsory pension contributions (CPC), in the form of monthly pension payments according to the established schedule and (or) insurance payments from an insurance company in accordance with the pension annuity agreement at the expense of pension savings, as well as in the form of lump-sum pension benefits in order to improve housing conditions and (or) pay for medical treatment to persons specified in paragraph 1-1 of Article 31 of the Law.
The list of persons entitled to:
1) those who have reached retirement age in accordance with paragraph 1 of Article 11 of the Law, including women upon reaching from January 1, 2022 - 60.5 years, from January 1, 2023 - 61 years, from January 1, 2024 - 61.5 years, from January 1, 2025 - 62 years, from January 1, 2026 - 62.5 years, from January 1, 2027 - 63 years;
2) upon reaching the age of 45 by the contributor, with sufficient pension savings to conclude a pension annuity agreement to ensure payment of at least 70 percent of the subsistence minimum established by the law on the republican budget and effective as of January 1 of the corresponding financial year, in accordance with paragraph 1 of Article 59 Law;
3) disabled people of the first and second groups, if the disability is established indefinitely;
4) foreigners and stateless persons who left for a permanent place of residence outside the Republic of Kazakhstan, who submitted documents, determined by the legislation of the Republic of Kazakhstan, confirming the fact of departure;
if the amount of pension savings at the expense of the CPC, available on the individual pension account of the contributor, exceeds the threshold for the minimum adequacy of pension savings;
if the amount of the pension, and for retired judges, the amount of the pension and monthly allowance ensures the replacement rate of thebeneficiary's average monthly income at a level of at least 40 percent, determined in the manner determined by the Government of the Republic of Kazakhstan. When calculating the average monthly income replacement rate, the recipient's income preceding the retirement date, but not more than the average monthly income in the republic, is taken into account;
if the contributor has entered into a pension annuity agreement with an insurance company.
Based on the foregoing, we notify that UAPF is entitled to make pension benefits only in the above cases provided for by the legislation of the Republic of Kazakhstan.
Given the above, the legislation of the Republic of Kazakhstan does not provide for the use of pension savings to pay for consumer loans.
3) Hello! At the moment I am divorced, but my ex-husband's relatives want to know the amount of my pension savings and put pressure on me to withdraw my savings. Tell me, can anyone except me get my IPSA statement from the UAPF?
Don't worry. In accordance with Article 57 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan, the secret of pension savings, which is guaranteed by the UAPF, includes information about the balances and the movement of money on individual pension accounts of contributors (beneficiaries), may be disclosed to a contributor carrying out pension contributions, to the recipient, to any third party on the basis of the written consent of the contributor (beneficiary), drawn up in accordance with the requirements of the legislation of the Republic of Kazakhstan.
Thus, a statement from the IPSA can be provided by the UAPF only to you or to an attorney to whom you will issue a notarized Power of Attorney.
4) Three years ago I became a citizen of the Republic of Kazakhstan, previously lived in Bishkek and had a work experience in the Republic of Kyrgyzstan. Not so long ago I read the news about the Agreement on Pension Provision for Workers of the EAEU Countries and would like to understand whether I will receive pension benefits for the length of service in my native country upon retirement or not?
In accordance with paragraph 3 of Article 98 of the Treaty on the Eurasian Economic Union dated May 29, 2014 pension provision for workers of the EAEU member states and family members is regulated by the legislation of the state of permanent residence, as well as in accordance with a separate international agreement between the EAEU member states.
Such an international treaty is the Agreement on Pension Provision for Workers of the Member States of the Eurasian Economic Union - the Republic of Armenia, the Republic of Belarus, the Russian Federation, the Republic of Kazakhstan and the Kyrgyz Republic, which entered into force on 01.01.2021.
The main purpose of the Agreement is to form the pension rights of workers of the EAEU Member States on the same conditions and in the same manner as citizens of the state of employment, that is, each EAEU Member State must guarantee citizens of other EAEU Member States the scope of rights to pensions equal to scope of rights granted to its citizens under similar conditions.
It should be noted that Article 12 of the Agreement, which contains transitional provisions, provides that the appointment and payment of pensions are carried out in the following order:
for the length of service acquired after the entry into force of the Agreement, a pension is assigned and paid by the EAEU Member State in whose territory the relevant length of service was acquired;
for the length of service acquired before the entry into force of the Agreement, a pension is assigned and paid in accordance with the legislation of the EAEU Member States and the Agreement on Guarantees of the Rights of Citizens of the States Members of the Commonwealth of Independent States in the field of pension provision dated March 13, 1992.
Consequently, the norms of the Agreement apply only to the length of service acquired by the worker in the period after the entry into force of the Agreement (from January 01, 2021), subject to official employment, with the conclusion of an employment or civil law contract, with the compulsory payment of insurance (pension) contributions to the pension system of the state of employment.
5) Is it true that, for example, my neighbor withdrew pension savings for housing, but I, for example, did not, then we will still have the same pension in the future?
Our country has a multi-level pension system. The Law On Pension Provision in the Republic of Kazakhstan provides for the receipt of pensions from several sources. These are payments from the state budget – basic and solidarity (PAYG) pensions, as well as accumulative pensions.
A pension from the state budget is not an additional bonus from the state, but payments established by law for each citizen, taking into account his seniority.
The state basic pension benefit payment is provided in the amount of 54 percent of the subsistence minimum (PM) established for the corresponding financial year by the law on the republican budget, with an increase in its size for each full year of participation in the pension system over ten years by 2 percent, but not more 100 percent of the amount of the PM established for the corresponding financial year by the law on the republican budget
In this case, the solidarity (PAYG) payment is assigned to persons who have at least six months of work experience as of January 1, 1998, and is carried out in proportion to the length of service.
The accumulative pension in Kazakhstan has been introduced since 1998 and consists in the fact that each citizen makes contributions to his individual pension saving account in the UAPF during his working life and then receives pension benefits from it.
Thus, the size of pension benefits by age from the UAPF depends on the amount of pension savings at the time of pension benefits, and this, in turn, depends on the size of pension contributions, the regularity of their transfer, and investment activities. At the same time, pension payments are established from the date of application and are made until the pension savings are exhausted. Information about your pension savings can be obtained 24/7 in your personal account on the website and in the UAPF or e-government mobile application.
Accordingly, the size of the pension will depend on the length of service and, to a large extent, on the amount of savings in the individual pension saving account, which, of course, will decrease if pension savings are withdrawn. A forecast calculation of a future pension can be made using the pension calculator on the enpf.kz website and see how early withdrawal can affect the size of pension benefits.
1) Good afternoon! Now the situation in the world is difficult, the dollar and the euro are jumping literally every day, and we, the UAPF contributors, are worried about our pension savings. Tell me how this whole situation can affect our money?
The pension savings of each UAPF contributor and beneficiary are made up of contributions received to an individual pension saving account and accrued investment income. The latter consists of income in the form of remuneration on securities (deposits and other transactions), income in the form of market and currency revaluation of financial instruments, income on assets under external management, etc.
To date, UAPF pension assets can be managed by the National Bank of the Republic of Kazakhstan and investment portfolio managers (IPMs). In order to receive investment income, they place pension assets in Kazakhstan and abroad in various financial instruments in various sectors of the economy, in different currencies. Diversification ensures the safety and sustainable profitability of retirement savings. In addition, pension savings are invested in financial instruments in different currencies. As of March 1, 2022, about 2/3 of investments are placed in tenge and about 1/3 - in foreign currency, most of the foreign currency investments are in US dollars.
Note that the income from market and currency revaluation can be both positive and negative in a particular period. Therefore, as a result of investment activities, due to the volatility of foreign exchange rates and changes in the market value of financial instruments, the amount of accrued investment income may vary.
It is important to emphasize that pension savings are long-term investments and it is advisable to analyze the amount of investment income for a period of at least one year. Short-term data (weekly, monthly, etc.) are not indicative, because dependent on ongoing changes in market conditions. For example, the amount of net investment income for 2021, distributed to the IPSA of contributors (beneficiaries), amounted to about KZT 1.4 trillion, which exceeded the amount of contributions received during the year (KZT 1.3 trillion). The return on UAPF pension assets in 2021 managed by the National Bank of Kazakhstan since the beginning of the year amounted to 11.13% (which is higher than the return on term bank deposits), with inflation of 8.4%.
In any case, you should not worry about the safety of your savings. In accordance with the Law on Pension Provision of the Republic of Kazakhstan, the state provides a guarantee of the safety of pension savings, taking into account inflation at the time of obtaining the right to pension benefit payments. This norm, which has no analogues anywhere in the world, contributes to the preservation of contributors' savings from inflation. When transferring pension savings to the management of the IPM, the guarantee of the state is replaced by the guarantee of the management company to ensure the minimum level of return on pension assets.
It is important to emphasize that the entire system of investment management and accounting for pension assets is transparent: each contributor has the opportunity to see his investment income in his personal account on the enpf.kz website or in the mobile application 24/7. Note that the revaluation of pension assets is carried out weekly and on the last day of each month.
Information on the investment management of UAPF pension assets and on financial instruments in which UAPF pension assets are placed is published on the official website of UAPF (www.enpf.kz) in the section "Indicators / Investment activity".
2) Good day! At the moment I have financial problems, and I cannot pay my consumer loan, can I withdraw my pension savings to pay it?
The rights of individuals to pension assets in accordance with the provisions of Article 50 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan belong to the category of real rights provided for by the Law, and can be used exclusively for the purposes specified by the Law, including for making pension benefit payments, lump sum pension benefit payments in order to improve housing conditions and (or) pay for medical treatment in accordance with the legislation of the Republic of Kazakhstan.
The assignment of pension assets to the category of real rights means that the contributor (beneficiary), owning pension savings, cannot use and dispose of them until certain conditions stipulated by law occur.
According to paragraph 1 of Article 30 of the Law, pension benefits from the UAPF are paid from pension savings formed from the compulsory pension contributions (CPC), in the form of monthly pension payments according to the established schedule and (or) insurance payments from an insurance company in accordance with the pension annuity agreement at the expense of pension savings, as well as in the form of lump-sum pension benefits in order to improve housing conditions and (or) pay for medical treatment to persons specified in paragraph 1-1 of Article 31 of the Law.
The list of persons entitled to:
1) those who have reached retirement age in accordance with paragraph 1 of Article 11 of the Law, including women upon reaching from January 1, 2022 - 60.5 years, from January 1, 2023 - 61 years, from January 1, 2024 - 61.5 years, from January 1, 2025 - 62 years, from January 1, 2026 - 62.5 years, from January 1, 2027 - 63 years;
2) upon reaching the age of 45 by the contributor, with sufficient pension savings to conclude a pension annuity agreement to ensure payment of at least 70 percent of the subsistence minimum established by the law on the republican budget and effective as of January 1 of the corresponding financial year, in accordance with paragraph 1 of Article 59 Law;
3) disabled people of the first and second groups, if the disability is established indefinitely;
4) foreigners and stateless persons who left for a permanent place of residence outside the Republic of Kazakhstan, who submitted documents, determined by the legislation of the Republic of Kazakhstan, confirming the fact of departure;
if the amount of pension savings at the expense of the CPC, available on the individual pension account of the contributor, exceeds the threshold for the minimum adequacy of pension savings;
if the amount of the pension, and for retired judges, the amount of the pension and monthly allowance ensures the replacement rate of thebeneficiary's average monthly income at a level of at least 40 percent, determined in the manner determined by the Government of the Republic of Kazakhstan. When calculating the average monthly income replacement rate, the recipient's income preceding the retirement date, but not more than the average monthly income in the republic, is taken into account;
if the contributor has entered into a pension annuity agreement with an insurance company.
Based on the foregoing, we notify that UAPF is entitled to make pension benefits only in the above cases provided for by the legislation of the Republic of Kazakhstan.
Given the above, the legislation of the Republic of Kazakhstan does not provide for the use of pension savings to pay for consumer loans.
3) Hello! At the moment I am divorced, but my ex-husband's relatives want to know the amount of my pension savings and put pressure on me to withdraw my savings. Tell me, can anyone except me get my IPSA statement from the UAPF?
Don't worry. In accordance with Article 57 of the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan, the secret of pension savings, which is guaranteed by the UAPF, includes information about the balances and the movement of money on individual pension accounts of contributors (beneficiaries), may be disclosed to a contributor carrying out pension contributions, to the recipient, to any third party on the basis of the written consent of the contributor (beneficiary), drawn up in accordance with the requirements of the legislation of the Republic of Kazakhstan.
Thus, a statement from the IPSA can be provided by the UAPF only to you or to an attorney to whom you will issue a notarized Power of Attorney.
4) Three years ago I became a citizen of the Republic of Kazakhstan, previously lived in Bishkek and had a work experience in the Republic of Kyrgyzstan. Not so long ago I read the news about the Agreement on Pension Provision for Workers of the EAEU Countries and would like to understand whether I will receive pension benefits for the length of service in my native country upon retirement or not?
In accordance with paragraph 3 of Article 98 of the Treaty on the Eurasian Economic Union dated May 29, 2014 pension provision for workers of the EAEU member states and family members is regulated by the legislation of the state of permanent residence, as well as in accordance with a separate international agreement between the EAEU member states.
Such an international treaty is the Agreement on Pension Provision for Workers of the Member States of the Eurasian Economic Union - the Republic of Armenia, the Republic of Belarus, the Russian Federation, the Republic of Kazakhstan and the Kyrgyz Republic, which entered into force on 01.01.2021.
The main purpose of the Agreement is to form the pension rights of workers of the EAEU Member States on the same conditions and in the same manner as citizens of the state of employment, that is, each EAEU Member State must guarantee citizens of other EAEU Member States the scope of rights to pensions equal to scope of rights granted to its citizens under similar conditions.
It should be noted that Article 12 of the Agreement, which contains transitional provisions, provides that the appointment and payment of pensions are carried out in the following order:
for the length of service acquired after the entry into force of the Agreement, a pension is assigned and paid by the EAEU Member State in whose territory the relevant length of service was acquired;
for the length of service acquired before the entry into force of the Agreement, a pension is assigned and paid in accordance with the legislation of the EAEU Member States and the Agreement on Guarantees of the Rights of Citizens of the States Members of the Commonwealth of Independent States in the field of pension provision dated March 13, 1992.
Consequently, the norms of the Agreement apply only to the length of service acquired by the worker in the period after the entry into force of the Agreement (from January 01, 2021), subject to official employment, with the conclusion of an employment or civil law contract, with the compulsory payment of insurance (pension) contributions to the pension system of the state of employment.
5) Is it true that, for example, my neighbor withdrew pension savings for housing, but I, for example, did not, then we will still have the same pension in the future?
Our country has a multi-level pension system. The Law On Pension Provision in the Republic of Kazakhstan provides for the receipt of pensions from several sources. These are payments from the state budget – basic and solidarity (PAYG) pensions, as well as accumulative pensions.
A pension from the state budget is not an additional bonus from the state, but payments established by law for each citizen, taking into account his seniority.
The state basic pension benefit payment is provided in the amount of 54 percent of the subsistence minimum (PM) established for the corresponding financial year by the law on the republican budget, with an increase in its size for each full year of participation in the pension system over ten years by 2 percent, but not more 100 percent of the amount of the PM established for the corresponding financial year by the law on the republican budget
In this case, the solidarity (PAYG) payment is assigned to persons who have at least six months of work experience as of January 1, 1998, and is carried out in proportion to the length of service.
The accumulative pension in Kazakhstan has been introduced since 1998 and consists in the fact that each citizen makes contributions to his individual pension saving account in the UAPF during his working life and then receives pension benefits from it.
Thus, the size of pension benefits by age from the UAPF depends on the amount of pension savings at the time of pension benefits, and this, in turn, depends on the size of pension contributions, the regularity of their transfer, and investment activities. At the same time, pension payments are established from the date of application and are made until the pension savings are exhausted. Information about your pension savings can be obtained 24/7 in your personal account on the website and in the UAPF or e-government mobile application.
Accordingly, the size of the pension will depend on the length of service and, to a large extent, on the amount of savings in the individual pension saving account, which, of course, will decrease if pension savings are withdrawn. A forecast calculation of a future pension can be made using the pension calculator on the enpf.kz website and see how early withdrawal can affect the size of pension benefits.
In order to improve the provision of pension services, the UAPF has launched a new project Legal Entity Office, which will facilitate and simplify for the employer the transfer of employee’s pension contributions.
This service is intended for employers who are tax agents whose duties include the transfer of employee pension contributions and allows you to generate, edit and print payment orders for the payment of compulsory pension contributions, compulsory occupational pension contributions and voluntary pension contributions.
As part of this service, you can see a list of employees for whom it is necessary to send payments to the UAPF, with the ability to edit (delete and add employees). In addition, the service allows you to view all data on previously generated payment orders in the payment history.
Access to the office of a legal entity is provided to the first manager who has the right to sign or a person authorized to sign financial documents only if there is an electronic digital signature for legal entities issued by the National Certification Center of the Republic of Kazakhstan.
UAPF specialists will talk about how the new service works at the Open Day on the topic “Office of a legal entity. UAPF online service for business owners”, which will be held on March 18, 2022 in an online format.
All categories of the Fund's contributors are invited to the meeting, first of all, heads of organizations and enterprises, individual entrepreneurs, participants in small and medium-sized businesses.
During the event, the algorithm for using electronic services of UAPF JSC in the office for legal entities on the enpf.kz website will be demonstrated. Responsible employees of the Fund will talk about the need to form pension capital through regular contributions and about the role of both the employee and the employer in this process, as well as provide individual advice on other issues of interest to contributors.
To participate in the event at 10:00 a.m., each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e51028ae0f364912d1efb1eb360c10623
Then enter the event number: 2519 598 0298 and the event password: 2022
To participate in the event at 12:00 pm, each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e3513174a01a5a4ad75f30b21f3bef6fe
Then enter the event number: 2513 347 3601 and the event password: 2022
To participate in the event at 14:00, each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e76ffbebb5141d7439ff75f379ee4cc01
Then enter the event number: 2513 119 8597 and the event password: 2022
The UAPF was established on August 22, 2013 on the basis of GNPF APF JSC. The UAPF founder and shareholder is the Government of the Republic of Kazakhstan represented by the State Institution “Committee of State Property and Privatization” of the Ministry of Finance of the Republic of Kazakhstan. UAPF pension assets are managed by the National Bank of the Republic of Kazakhstan. From January 1, 2016, the functions for developing proposals to improve the management of pension assets were transferred to the National Fund Management Council. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, pension benefits, individual accounting of pension accumulations and benefits, provides the contributor (beneficiary) with information on the status of his pension accumulations (for more information visit www.enpf.kz)
Topic: Office of a legal entity. UAPF online service for business owners.
On March 18, 2022, UAPF is holding an Open Day in an online format.
The purpose of the event is to provide contributors with information on getting acquainted with the personal account of a legal entity, with the electronic services of UAPF JSC for legal entities, as well as with the list of services available to them as contributors.
The Open Day is held for all categories of the Fund's contributors, including heads of enterprises and organizations, individual entrepreneurs, participants in small and medium-sized businesses.
During the event, contributors (beneficiaries) will be shown the algorithm for using electronic services of UAPF JSC in the office for legal entities.
The service is intended for employers who are tax agents, whose duties include the transfer of employee pension contributions. At the moment, the service allows the user to generate, edit and print payment orders for the payment of compulsory pension contributions, compulsory occupational pension contributions and voluntary pension contributions.
As part of this service, you can see a list of employees for whom it is necessary to send payments to the Fund, with the ability to edit (delete and add employees). In addition, the service allows you to view all data on previously generated payment orders in the payment history.
Access to the office of a legal entity is provided to the first head of a legal entity that has the right to sign or a person authorized to sign financial documents only if there is an Electronic Digital Signature for Legal Entities issued by the National Certification Center of the Republic of Kazakhstan.
Also during the meeting, responsible employees will provide individual advice on other issues of interest to contributors.
We remind you that the “Open Doors Day” will be held online on March 18 at 10:00, 12:00, 14:00.
To participate in the event at 10:00 a.m., each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e51028ae0f364912d1efb1eb360c10623
Then enter the event number: 2519 598 0298 and the event password: 2022
To participate in the event at 12:00 pm, each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e3513174a01a5a4ad75f30b21f3bef6fe
Then enter the event number: 2513 347 3601 and the event password: 2022
To participate in the event at 14:00, each participant must follow the link https://enpf.webex.com/enpf/onstage/g.php?MTID=e76ffbebb5141d7439ff75f379ee4cc01
Then enter the event number: 2513 119 8597 and the event password: 2022
UAPF JSC is waiting for its contributors, beneficiaries and everyone to the Open Day!
UAPF is expanding the range of digital services provided to contributors (beneficiaries). To date, individual pension benefits can be obtained from the UAPF without presenting an identity card. To do this, it is enough to have a digital (electronic) version of the identity card in the eGovMobile mobile application.
With an electronic version of the identity card of a citizen of the Republic of Kazakhstan, when applying in person to UAPF units, you can:
receive an extract from an individual pension saving account;
make changes and (or) additions to the details;
change (determine) the method of informing about the state of pension savings.
Now, the above-mentioned services have been supplemented with the possibility of transferring pension savings to an insurance organization using an electronic version of an identity card.
Recall that when applying in person to the UAPF divisions, the following documents are required to transfer pension savings from the UAPF to an insurance organization:
1) a copy of the identity document of the contributor (beneficiary) and its original or an electronic document from the digital document service for viewing;
2) the original of the pension annuity agreement / the original of the supplementary agreement to the current pension annuity agreement concluded by the contributor (beneficiary) with the insurance company;
3) an application for the transfer of pension savings in the form approved by the internal document of the UAPF.
Note that it is possible to use the digital (electronic) version of the identity card upon personal contact directly with the UAPF units.
If the applicant's identity document is invalid, then the electronic version of the document will not be available in the eGovMobile mobile application.
The UAPF was established on August 22, 2013 on the basis of GNPF APF JSC. The UAPF founder and shareholder is the Government of the Republic of Kazakhstan represented by the State Institution “Committee of State Property and Privatization” of the Ministry of Finance of the Republic of Kazakhstan. UAPF pension assets are managed by the National Bank of the Republic of Kazakhstan. From January 1, 2016, the functions for developing proposals to improve the management of pension assets were transferred to the National Fund Management Council. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, pension benefits, individual accounting of pension accumulations and benefits, provides the contributor (beneficiary) with information on the status of his pension accumulations (for more information visit www.enpf.kz).
As of March 1, 2022, from January 2021, the UAPF has executed 867,853 applications from contributors (beneficiaries) to use pension savings to improve housing conditions. UAPF transferred KZT2.7 trillion to special accounts of Kazakhstanis opened in banks-authorized operators. The average amount of lump-sum pension benefits is KZT3.1 million.
Most of the executed applications were sent by residents of Almaty (17.7%), Nur-Sultan (13.4%), Mangistau region (11.6%). Detailed information is available on the website www.enpf.kz in the “Indicators” section - for what purposes do Kazakhstanis plan to use lump-sum pension payments and by regions (subsections “Lump-sum pension benefits for improving housing conditions by goals” and “Lump-sum pension benefits for improving housing conditions", respectively).
To date, the authorized operators accepting applications for the use of part of pension savings are Housing Construction Savings Bank Otbasy Bank JSC, Halyk Bank of Kazakhstan JSC, Altyn Bank JSC, Bank CenterCredit JSC and Bank Freedom Finance Kazakhstan JSC. A significant part of the executed applications was submitted through Housing Construction Savings Bank Otbasy Bank JSC (95.1% of the total number of executed applications), followed by Halyk Bank of Kazakhstan JSC (3.5%), Bank CenterCredit JSC (1.3%), Altyn Bank JSC (0.05%) and Bank Freedom Finance Kazakhstan JSC (0.03%).
We emphasize that after receipt of a lump sum pension benefit to a special account opened with an authorized operator (Housing Construction Savings Bank Otbasy Bank JSC), the beneficiary provides the authorized operator with documents confirming the intended purpose of lump sum pension benefits within 20 working days from the date of their receipt (in accordance with paragraph 13 of the Rules for the use of lump-sum pension benefits to improve housing conditions in accordance with the legislation of the Republic of Kazakhstan). An exception is the replenishment of the contribution to housing construction savings for further accumulation in order to purchase a dwelling or build an individual residential building (including the acquisition of a land plot with a designated purpose - individual housing construction. In this case, the beneficiary provides Otbasy Bank with documents confirming the intended purpose of lump-sum pension benefits in within 3 years from the date of their receipt. For other authorized operators (second-tier banks), applications for a lump sum pension benefit and documents of the beneficiary by purpose are considered in the manner and terms established by the bank's internal documents. At the same time, the bank transfers lump-sum pension benefits according to their target appointment within 10 working days from the date of crediting the amounts of lump-sum pension benefits to the special accounts of the applicant (beneficiary). are returned to the UAPF
The beneficiary can also return the transferred amount to UAPF without waiting for the specified period by submitting to the authorized operator a corresponding application, which the authorized operator must execute within 3 (three) business days from the date of receipt of the application for a refund from the beneficiary
It should be noted that KZT379.9 billion was returned to the individual pension saving accounts (IPSA) of contributors (beneficiaries) from authorized operators due to the fact that lump-sum pension benefits by Kazakhstanis were not used on time, at the request of the applicant and for other reasons
UAPF also executed 198,657 applications for medical treatment for a total amount of KZT176.4 billion. At the same time, the average withdrawal amount is KZT0.9 million. At the same time, KZT19.9 billion was returned to the IPSA of contributors (beneficiaries) in the UAPF from the authorized operator (Housing Construction Savings Bank Otbasy Bank JSC), these funds were not used on time, at the request of the applicant and for other reasons.
You can get acquainted with the current statistics on the use of pension savings for medical treatment on the website www.enpf.kz in the section "Indicators" - "Lump-sum pension benefits for medical treatment".
As of March 1 of this year, the investment portfolio manager (IPM) transferred about KZT7.6 billion, the UAPF executed 4,514 applications. The average transfer amount is 1.7 million tenge. Detailed statistics on the transfer of pension savings to trust management is also available on the website enpf.kz in the section "Indicators" - "Transfer of pension savings to management companies".
At the moment, UAPF has concluded agreements on trust management of pension assets with four IPMs. You can get acquainted with information about them and study their investment declarations on the website enpf.kz in the section "Services" - "Register of Investment Portfolio Managers". It should be noted that out of KZT7.6 billion - 45.86% or KZT3.46 billion were transferred to Jusan Invest JSC, 27.65% or KZT2.09 billion to Halyk Global Markets JSC, 15.97% or KZT1.21 billion in BCC Invest JSC, 10.53% or KZT0.80 billion in Centras Securities JSC
Recall that after receiving pension assets from the UAPF, the IPM invests them in permitted financial instruments specified in the Rules for the implementation of investment portfolio management activities, approved by the Resolution of the Board of the National Bank of the Republic of Kazakhstan dated February 3, 2014 No. 10, and provided for in the Investment Declaration of the IPM.
Under the Pensions Act, IPMs are entitled to charge an investment management fee. The maximum amount of remuneration of the IPM cannot exceed 7.5% of the received investment income. The actual amount of the commission is annually approved by the management body of the IPM and can change no more than once a year.
During the period when pension savings are under the management of the National Bank until the depositor reaches retirement age, there is a guarantee of the safety of pension savings, taking into account the level of inflation. When transferring pension savings to the management of the IPM, the state guarantee is replaced by the guarantee of the management company to ensure the minimum level of return of pension assets, which is calculated based on the weighted average return of pension assets transferred to the management of the IPM operating on the market.
The UAPF was established on August 22, 2013 on the basis of GNPF APF JSC. The UAPF founder and shareholder is the Government of the Republic of Kazakhstan represented by the State Institution “Committee of State Property and Privatization” of the Ministry of Finance of the Republic of Kazakhstan. UAPF pension assets are managed by the National Bank of the Republic of Kazakhstan. From January 1, 2016, the functions for developing proposals to improve the management of pension assets were transferred to the National Fund Management Council. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, pension benefits, individual accounting of pension accumulations and benefits, provides the contributor (beneficiary) with information on the status of his pension accumulations (for more information visit www.enpf.kz)
The amount of pension savings of contributors to the Unified Accumulative Pension Fund as of February 1, 2022 is KZT13.1 trillion. As you know, this amount includes pension contributions and investment income.
Despite the instability in the financial markets, related, among other things, to the political situation in January both in Kazakhstan and abroad, net investment income for the first month of 2022 showed a positive trend and reached KZT10.6 billion.
It is important to emphasize that pension savings are long-term investments and it is advisable to analyze the amount of investment income for a period of at least one year. Short-term data (weekly, monthly, etc.) are not indicative, because dependent on ongoing changes in market conditions.
For example, the amount of net investment income for the entire past 2021, distributed to the IPSA of contributors (beneficiaries), amounted to about KZT1.4 trillion, which exceeded the amount of contributions received during the year (KZT1.3 trillion). The yield on UAPF pension assets in 2021 managed by the National Bank of Kazakhstan since the beginning of the year amounted to 11.13% (which is higher than the yield on term bank deposits), with inflation of 8.4%.
At the same time, in general, the investment income provided by the National Bank since the merger of all pension assets into the UAPF (2014), as of February 1, 2022, amounted to KZT6.05 trillion, which is 36.7% of all pension savings of Kazakhstanis. The investment return from the day the accumulative pension system was founded (1998) as of February 1, 2022, on an accrual basis, amounted to 681.75%, with inflation for the entire period of 551.29%. Thus, the real return on pension assets for the period from the start of the accumulative pension system until February 1, 2022 amounted to 130.46%.
Recall that Pension Asset Managers (the National Bank of the Republic of Kazakhstan and Investment Portfolio Managers (IPM)) place pension assets in Kazakhstan and abroad in different financial instruments in different sectors of the economy, in different currencies in order to receive investment income. Such diversification ensures the safety and sustainable profitability of pension savings. Investment income consists of income in the form of interest on securities (deposits and other transactions), income in the form of market and currency revaluation of financial instruments, income on assets under external management, etc.
Income from market and currency revaluation can be both positive and negative in a given period. Therefore, as a result of investment activities, due to the volatility of foreign exchange rates and changes in the market value of financial instruments, the amount of accrued investment income may vary.
In general, in accordance with the Law on Pension Provision of the Republic of Kazakhstan, the state provides a guarantee of the safety of pension savings, taking into account inflation at the time of obtaining the right to pension payments. This norm, which has no analogues anywhere in the world, helps save contributors' savings from inflation. When transferring pension savings to the management of the IPM, the guarantee of the state is replaced by the guarantee of the management company to ensure the minimum level of return on pension assets.
The entire system of investment management and accounting for pension assets is transparent: each contributor has the opportunity to see his investment income in his personal account on the enpf.kz website or in a mobile application 24/7. Note that pension assets are revalued weekly and on the last day of each month.
Information on the investment management of UAPF pension assets and on financial instruments in which UAPF pension assets are placed is published on the UAPF official website (www.enpf.kz) in the “Indicators/Investment Activity” section.
The UAPF was established on August 22, 2013 on the basis of GNPF APF JSC. The UAPF founder and shareholder is the Government of the Republic of Kazakhstan represented by the State Institution “Committee of State Property and Privatization” of the Ministry of Finance of the Republic of Kazakhstan. UAPF pension assets are managed by the National Bank of the Republic of Kazakhstan. From January 1, 2016, the functions for developing proposals to improve the management of pension assets were transferred to the National Fund Management Council. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, pension benefits, individual accounting of pension accumulations and benefits, provides the contributor (beneficiary) with information on the status of his pension accumulations (for more information visit www.enpf.kz)
Over 94 percent of UAPF services are provided in electronic format
The Unified Accumulative Pension Fund provided 3.2 million services to its contributors in the first month of 2022.
It should be noted that over 94% of UAPF services are provided in a convenient, efficient and safe online format during the pandemic. Contributors and beneficiaries, without leaving their homes, can receive almost all the Fund's services literally in a matter of minutes. Of the total number of online services, over 2.1 million or 66.5% of the total volume of services are provided on the website or in the ENPF mobile application.
Recall that in the Personal Account, which is available both on the website and in the ENPF mobile application, contributors have the opportunity to receive services anytime and anywhere. For example, this is obtaining an extract from an individual pension saving account, making changes and additions to your details, obtaining a certificate of the presence of an IPSA, filing an application for the appointment of pension benefits in connection with the establishment of disability of group 1 or 2 indefinitely, as well as for voluntary pension contributions, tracking the status of benefit applications and more
In addition, the Fund has developed a no-application service format. It includes, for example, the automatic opening of individual pension accounts for accounting for compulsory pension contributions (CPC), compulsory occupational pension contributions (COPC) and voluntary pension contributions (VPC). Recall that if an individual does not have an open IPSA in the UAPF, it is opened in the UAPF information system automatically upon receipt of the first contribution. In this case, the identification of an individual is carried out according to the personal data specified in the electronic format of the payment order when transferring the CPC, COPC or VPC. All the necessary information about the details of the current document and the place of residence of the contributor, UAPF receives from the information systems of state bodies. Since the beginning of the year, 0.9 million services or 27.8% of the total volume have been provided without application
The full-time service continues to be popular. In 176 divisions of the UAPF throughout Kazakhstan, over 116,000 services were provided to contributors in the first month of 2022. Recall that the nearest branch of the Fund can always be easily clarified on the website www.enpf.kz, or on the ENPF mobile application.
During the ongoing pandemic and cold weather, remote consultations are especially in demand among UAPF contributors. Literally in a matter of minutes, our employees can answer any questions provided. As of February 1, 2022, the number of requests from contributors through feedback channels amounted to 65.6 thousand requests.
We remind you that UAPF contributors and beneficiaries can get advice in the Call Center at 1418 (calls within Kazakhstan are free of charge), as well as advice can be obtained on the corporate website www.enpf.kz, through a chat bot in WhatsApp and Viber at +7 777 000 14 18 and on the official pages of UAPF in social networks Instagram, Facebook, VKontakte, Twitter, Telegram, Odnoklassniki.
The UAPF was established on August 22, 2013 on the basis of GNPF APF JSC. The UAPF founder and shareholder is the Government of the Republic of Kazakhstan represented by the State Institution “Committee of State Property and Privatization” of the Ministry of Finance of the Republic of Kazakhstan. UAPF pension assets are managed by the National Bank of the Republic of Kazakhstan. From January 1, 2016, the functions for developing proposals to improve the management of pension assets were transferred to the National Fund Management Council. In accordance with the pension legislation, the UAPF attracts compulsory pension contributions, compulsory occupational pension contributions, voluntary pension contributions, pension benefits, individual accounting of pension accumulations and benefits, provides the contributor (beneficiary) with information on the status of his pension accumulations (for more information visit www.enpf.kz)