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The most popular and convenient way today to receive most of the UAPF pension services is through the Personal Account on the enpf.kz website, and the most popular of them is information on the state of pension savings. By the way, this information can also be obtained on the e-government portal, where it is presented in two versions - in expanded form with the attachment of statements on an individual pension saving account (IPSA) (service name "Information on pension accruals of the UAPF") and in a short format without an IPSA statements attached (in the Personal Account / Dossier / Pension Savings, which must be updated after entering the Personal Account).
At the same time, the e-government portal provides a public service on the receipt and movement of the contributor's funds (the name of the service is "Obtaining a statement on pension contributions"), which can also be obtained through applications of second-tier banks. It should be noted that the document provided within the framework of this service is issued without taking into account investment income.
UAPF reminds that the Personal Account on the enpf.kz website provides comprehensive information on contributions received on the IPSA and accrued investment income, with the ability to generate a statement from the IPSA for any period. In addition, you can receive information on the minimum sufficiency threshold and the amount available for withdrawal, a certificate of the availability of a pension account, apply for the assignment of pension benefits for disability groups 1 and 2, established indefinitely, and for voluntary pension contributions. Also, if necessary, here you can make changes to your details, transfer savings to trust management, view the status of your applications, use the pension calculator and much more.
UAPF services in the Personal Account are constantly being improved. So, when submitting an application for the appointment of pension benefits and making changes and (or) additions to the details, the application can be signed not only using an electronic digital signature (EDS), but also using a QR code.
Kazakhstanis highly appreciate the convenience of remote services when receiving pension services, in this regard, the UAPF will continue to work in this direction.
In 2022, about 7 thousand persons who have reached retirement age and have pension savings in the UAPF, but who did not apply for them in a timely manner, received pension benefits, of which 4.5 thousand are women, 2.5 thousand are men. This became possible, among other things, as a result of the reconciliation that the UAPF annually conducts jointly with the State Corporation "Government for Citizens" NJSC (State Corporation) to identify persons who have reached retirement age and have pension savings in the UAPF, while receiving pension benefits according to age at the expense of budgetary funds, but who did not apply for payment to the UAPF.
The service was provided by the State Corporation in a proactive format to 24,000 people from this category of people.
At the same time, based on the results of the UAPF activities carried out with the State Corporation, it was decided to conduct additional targeted informing of the specified category of beneficiaries via e-mail and (or) telephone numbers of subscriber’s cellular devices.
As a result of targeted informing of the UAPF, about 20 thousand beneficiaries of pension benefits were informed.
The UAPF recommends applying for a pension in a timely manner and notifies that, according to the Law of the Republic of Kazakhstan On Pension Provision in the Republic of Kazakhstan, persons who have reached retirement age have pension payments from the UAPF at the expense of mandatory and mandatory professional pension contributions according to the established schedule: men - upon reaching 63 years, women - 61 years (until 2028), as well as disabled people of the first and second groups, if disability is established indefinitely. At the same time, we note that pension benefits from the UAPF are assigned from the date of application and are made until the pension savings are exhausted.
For registration of pension benefits from the UAPF in connection with:
upon reaching the retirement age, it is necessary to apply to the divisions of the State Corporation at the place of residence;
with a disability of the first or second group, established indefinitely - directly to the UAPF office or using an electronic digital signature, submit an appropriate application in your personal account on the UAPF website.
Detailed information can be obtained at the offices or on the Internet resources of the Fund, as well as by calling the toll-free number 1418.
The amount of pension savings of contributors to the Unified Accumulative Pension Fund as of January 1, 2023 amounted to about KZT14.7 trillion.
At the end of the year, investment income earned by the National Bank of the Republic of Kazakhstan and investment portfolio managers amounted to about KZT914.4 billion. At the end of 2022, the return on UAPF pension assets, which are in trust management of the National Bank, amounted to 6.55%.
Against the background of the fact that in 2022 many international institutional investors, including pension funds, received negative asset management results and suffered significant losses as a result of the negative macroeconomic situation in the world, the National Bank of the Republic of Kazakhstan showed a positive return on pension assets in nominal terms.
As has been repeatedly noted, pension assets are characterized by a long investment horizon and, accordingly, one of the main goals of their investment is the safety of pension savings and real return in the long term. Therefore, it is advisable to consider the indicators of return and inflation over a long time horizon.
In the long term, a positive real (exceeding accumulated inflation) profitability of pension savings is ensured. The investment return from the period of foundation of the funded pension system (1998) as of January 1, 2023, on an accrual basis, amounted to 732.29%, with inflation for the entire period of 678.06%.
Income earned by the National Bank of the Republic of Kazakhstan since 2014, the period of completion of the consolidation of all pension assets in the UAPF, exceeded KZT6.9 trillion.
Recall that in the Republic of Kazakhstan there is a unique guarantee of the safety of compulsory types of pension contributions, taking into account the level of inflation. Even if the decrease in return in a particular period will affect the accumulated return of the contributor when the right to payments occurs, the difference will be compensated by the state.
The entire system of investment management and accounting of 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.
Information on investment management of UAPF pension assets and 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”.
A lot of interesting and useful information, including an interview with experts from the accumulative pension system on investing pension assets, is on the YouTube channel БЖЗҚЕНПФ.
As of January 1, 2023, the pension savings of Kazakhstanis amounted to KZT14.7 trillion. It should be noted that in 2022 this indicator increased by almost KZT1.6 trillion (or 12.2%). For comparison, the increase in pension savings in 2021 was only 1%. This means that the rates of development of the accumulative pension system are gradually returning to the indicators of the periods before significant withdrawals of pension savings for alternative purposes, when the growth of pension savings annually ranged from 15 to 20%.
As of January 1, 2023, pension savings formed from compulsory pension contributions (CPC) amounted to KZT14.2 trillion, having increased by 11.9% over the year.
The amount of pension savings on compulsory occupational pension contributions (COPC) amounted to about KZT445.4 billion, having increased by 23.4% over 12 months.
The largest increase - more than 107% - was demonstrated by savings on voluntary pension contributions (VPC), which at the end of 2022 amounted to about KZT3.6 billion.
In general, the increase in savings was ensured by incoming flows in the form of pension contributions and investment income. At the same time, more than KZT1.7 trillion was received in the form of contributions to the accounts of contributors during the year. This is 29% more than in 2021. The growth occurred in all types of contributions: individual pension saving accounts (IPSA) for accounting for CPC received KZT1.65 trillion over the year (compared to the same period last year, the volume of CPC increased by 28%), COPC - KZT77 billion (an increase of 39 %), contributions to the VPC amounted to more than KZT2.3 billion for the year (an increase of 190%).
Investment income for 2022 exceeded KZT914 billion. That is, the return on assets at the end of the past year was positive.
Outgoing flows in the form of payments from the UAPF since the beginning of the year amounted to about KZT1.2 trillion. Most of this amount is still lump-sum pension benefits (LPB) for the improvement of housing conditions and medical treatment - KZT918 billion. At the same time, the volume of benefit payments for alternative purposes decreased by 65% compared to 2021.
Benefit payments by age increased by 20% and amounted to about KZT122 billion tenge. It should be noted that the amount of the average monthly benefit according to the schedule from the UAPF (in connection with reaching the retirement age) amounted to KZT29,973, and the maximum amount of the monthly pension benefit was KZT707,326.
Inheritance payments were also made - KZT60.2 billion, payments in connection with leaving for permanent residence outside the Republic of Kazakhstan - KZT48.3 billion, disability benefits - KZT2.5 billion, funeral payments - KZT5.3 billion. About KZT26 billion was transferred to insurance organizations.
The number of individual pension saving accounts in the UAPF as of January 1, 2023 amounted to 12.1 million units, about 11 million for compulsory pension contributions. As of January 1, 2023, there were 595,710 IPS accounts for COPC; 358 695 IPSA were opened for VPC.
All relevant information on statistical data on pension assets, including in the context of the regions of the republic, is posted on the enpf.kz website in the "Indicators" section.
In the Personal Account of the contributor / beneficiary on the enpf.kz website, a new service has been introduced regarding pension benefits from the UAPF. Now each beneficiary of the pension benefit payments according to the schedule has access to information on the amounts of pension benefit payments made and planned for the coming period.
In the section "Information for beneficiaries of pension benefit payments according to the schedule" you can find out about:
- the date of receipt of the application for benefits;
- type of pension benefit: benefit by age / disability benefit / benefit of voluntary pension contributions that have been in the UAPF for at least 5 years;
- the type of pension savings from which the benefit is made: compulsory pension contributions / compulsory occupational pension contributions / voluntary pension contributions;
- periodicity of benefit payment according to the schedule: monthly/quarterly/annually;
- the date of the previous benefit payment made according to the schedule;
- the amount of the previous benefit payment made according to the schedule;
- the date of the forthcoming planned benefit payment according to the schedule;
- the upcoming planned amount of benefit according to the schedule.
It should be noted that the amounts of pension benefits in the Personal Account are indicated before taxation, established by the requirements of the Tax Code.
The amount of benefits according to the schedule for each recipient is individual and depends on the amount of pension savings. By clicking on the button with a pop-up message on the main page: "Additional information", you can get information about the methodology for calculating benefits for compulsory pension contributions, compulsory occupational and voluntary pension contributions.
A pop-up message on the main page: “Information about the balances and the movement of money on the individual pension saving account (s)” will help you generate a statement for all your IPSA for a given period.
If there is no application for receiving benefits or there is a closed application for benefit, information for beneficiaries of pension benefit payments according to the schedule is not displayed.
The digitalization of pension services is one of the important areas in the Fund's activities, and work to expand and improve them is ongoing.
Thanks to the service for information on the amounts of pension benefit payments made and planned for the upcoming period, each beneficiary can clearly see their income from pension savings and the period of their receipt.
It should be noted that pension benefit payments from the UAPF are established from the date of application and are made until the pension savings are exhausted.
As of June 1, 2022, the unclaimed amounts of guarantee compensation of 229,715 depositors of eight liquidated banks were credited by UAPF to individual pension accounts in the form of voluntary pension contributions (VPC) after the completion of transfers by KDIF.
The transfer of the unclaimed amount of the guarantee compensation to UAPF was carried out to those depositors whose data (IIN, full name) corresponded to the data available in the UAPF database. Furthermore, the contributor had to have a valid identity document and pension accumulations formed from compulsory and (or) compulsory occupational and (or) voluntary pension contributions.
Depositors of liquidated banks can check the receipt of funds to pension accounts in their personal account on the website, in the mobile application and service offices of UAPF, or on the Government portal for citizens.
Depositors of liquidated banks, as well as recipients of pensions, do not need to specifically apply to UAPF to open individual pension accounts (IPAs), since the transferred amounts of voluntary pension contributions are credited to UAPF automatically to account for the VPC (if any), in their absence - the IPAs for VPC records are opened in UAPF without submitting an application (that is, automatically), including when the unclaimed amount of the guarantee compensation is received by UAPF from KDIF.
On May 2, 2022, KDIF transferred unclaimed amounts of guarantee compensation to UAPF depositors of the following eight banks: Valut-Tranzit Bank JSC, Kazinvestbank JSC, Delta Bank JSC, Eximbank Kazakhstan JSC, Qazaq Banki JSC, Bank of Astana JSC, Tengri Bank JSC and AsiaCredit Bank (AsiaCredit Bank) JSC.
It should be noted that the unclaimed amounts of guarantee compensation credited to the IPAs to account for the VPC will be invested in the same manner as other pension assets.
For reference: the right to VPC from UAPF arises for the following persons who have pension accumulations in UAPF:
1) for those who have reached the age of fifty;
2) having a disability;
3) for those who are leaving or have already 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 intention or fact of departure;
4) having pension accumulations within the limits of the VPC amount and an investment income accrued on them, which have been in UAPF for at least five years.
We remind you that the legislation provides for the possibility for a depositor to apply for a payment on a deposit in a liquidated bank, even if the payment period has expired and the unclaimed amount has been transferred to UAPF, setting out the circumstances of the late application, the application of depositor will be considered on an individual basis.
Such an appeal must be accompanied by a list of documents confirming the existence of circumstances that prevented the filing of an application for compensation from KDIF during the payment period, for example, military service or being outside the Republic of Kazakhstan, acceptance of the depositor's inheritance and other reasons related to the acquisition or opening of an inheritance.
The Unified Accumulative Pension Fund for the three months of the current year (between January 01, 2022 and April 01, 2022) provided its contributors with 11.8 million services.
Contributors (beneficiaries) received over 93% of UAPF services in a convenient electronic format. Recall that the Fund's services can be received literally in a matter of minutes, without leaving home. For example, on the website and in the UAPF mobile application, contributors can at any time and anywhere receive a statement from an individual pension saving account, make changes and additions to their details, receive a certificate of the presence of an IPSA, apply for the appointment of pension benefits in connection with the establishment of disability 1 or 2 groups indefinitely, as well as for voluntary pension contributions, track the status of an application for pension benefit and much more. We emphasize that out of the total number of online services, 8.1 million (or 68.49%) were provided on the UAPF website or mobile application.
In addition, UAPF has developed an application-free 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 opens in the UAPF information system automatically upon receipt of the first installment. 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, 2.9 million services or 24.66% of the total volume have been rendered without application.
494,741 services were provided to contributors through traditional face-to-face service in UAPF subdivisions throughout Kazakhstan. Recall that the nearest branch of the Fund can be easily clarified on the enpf.kz website or on the UAPF mobile application. As part of the joint project of UAPF JSC and Kazpost JSC on the provision of pension services in remote settlements in the branches of the national postal operator, as of April 1, 2022, 3,634 services were provided to fund contributors in 347 post offices. UAPF also has field service departments, since the beginning of the year they have carried out 16,847 operations. This department provides services for processing applications for opening individual pension saving accounts for recording compulsory occupational pension contributions (including applications for joining a pension agreement at the expense of compulsory occupational pension contributions). Also, contributors (beneficiaries) belonging to the category of socially vulnerable segments of the population (disabled people of the 1st and 2nd groups, having disabilities indefinitely) are served in compliance with sanitary and epidemiological measures.
It should be noted that the most popular service among UAPF contributors is the issuance of statements - 9,679,844 transactions (about 68% in electronic form), followed by accepted applications for the LSPB (in automatic mode) - 1,389,315, etc.
UAPF pays special attention to the provision of high-quality consulting services and the development of information channels for contributors and beneficiaries of the Fund. As of April 1, 2022, 312,391 requests were processed.
We remind you that UAPF contributors and beneficiaries can get advice in the call center at 1418 (calls within Kazakhstan are free), as well as on the corporate website enpf.kz, via a chat bot in WhatsApp and Viber at +7 777 000 14 18 and on UAPF official pages on social networks Instagram, Facebook, VKontakte, Twitter, Telegram, Odnoklassniki.
As of March 1, 2022, the UAPF information system contains more than 175 thousand contributors (beneficiaries) who have reached retirement age and have pension savings, but have not applied for their pension benefit.
According to the results of the reconciliation conducted between the UAPF and the Government for Citizens State Corporation, a part of persons from this category of contributors (beneficiaries) receive pension benefits by age at the expense of budgetary funds and a telephone number is registered in the database of mobile citizens for them.
In this regard, for contributors (beneficiaries) who have reached retirement age, but have not applied to the Fund for the payment of pension savings, from April 27, 2022. The State Corporation will begin work on the assignment of pension benefits from the UAPF in a proactive format by sending an SMS message to the telephone number of the contributor (beneficiary) registered in the database of mobile citizens.
In order to receive pension benefits from the UAPF in accordance with the schedule of pension benefit payments from the State Corporation by age and the state basic pension payment to the bank accounts of contributors (beneficiaries) previously submitted to the State Corporation when assigning a pension, the contributor (beneficiary) must send a response message in Kazakh or Russian
- when receiving a proactive service, the application and submission of documents to the UAPF and (or) PSC are not required;
- the amount and term of pension benefits from the UAPF depends on the balance of pension savings on the IPSA of the contributor (beneficiary).
If the amount of pension savings on the date of provision of the proactive service for receiving pension benefits from the UAPF does not exceed 12 times the minimum pension established by the law on the republican budget (in 2022, 555,624.00 tenge), this amount will be paid in a lump sum, taking into account the withholding of individual income tax.
Today, according to the schedule, the head of information and Public development of Pavlodar region, Kappasov Baltabai Madanievich, arrived in the district on a working visit. The main purpose of the meeting is to provide advisory and methodological assistance on the creation of a Youth Support Center and working hours.
The meeting was attended by Akim of the district Arynov K.Z., heads and specialists of interested state bodies.
Baltabai Madanievich spoke in detail about the work of the Youth Support Center "on the principle of one window" in order to provide services for the development of unemployed youth of the NEET category and answered the questions received during the meeting.
Further, during the working trip, B.M. Kappasov visited the MRC "Zhas Kanat", met with members of the Ardager veterans Club and representatives of the NGO "Nur Ana Alemi", finally visited the Museum of local lore and got acquainted with the preparations for the opening of the youth center in the Aktogay Agrarian and Technical College.