1) Please tell me how I can transfer voluntary pension contributions? Can the employer do this? 
Voluntary pension contributions (VPC) can be contributed by both individuals and legal entities. Individuals contribute funds for themselves and/or their relatives from their income, and legal entities contribute for the benefit of their employees and/or third parties.
Voluntary pension contributions can be transferred through second-tier banks, as well as by submitting an application to the employer, on the basis of which he will transfer them to UAPF in favor of the declared person.
To conclude an agreement and open an individual pension savings account (IPSA) for VPC, there is no need to visit the UAPF office - IPSA for accounting of VPC is opened automatically upon receipt of the first contribution. Opening of IPSA for accounting of VPC is carried out without an application based on:
- lists of individuals submitted by agents to UAPF when transferring VPC;
- of the initial contribution received by the UAPF from an individual in his/her own favor or in favor of a third party when transferring VPC.

2) Please tell me how and when I can start receiving pension benefits from voluntary pension contributions?
Pension benefits through VPC can be received before reaching retirement age - starting from the age of 50. In addition, they are provided to persons with disabilities, as well as foreigners and stateless persons who have left for permanent residence outside the Republic of Kazakhstan, unless otherwise provided by the laws of the Republic of Kazakhstan and international treaties ratified by the Republic of Kazakhstan.
An application for receiving benefits through voluntary pension contributions (VPC) is submitted to UAPF: online in your personal account on the enpf.kz website or in the UAPF mobile application, as well as in any division of the Fund.
The amount of pension savings through all types of contributions can be easily monitored 24/7 also in your personal account on the enpf.kz website.
The UAPF website contains a list of necessary documents depending on the method of their submission to UAPF, requirements for their execution, as well as application forms and samples of their completion, a sample power of attorney. You can also pre-check the documents sent for pension benefits from UAPF by using the UAPF electronic service “Pre-check of documents for payment”.
It should be noted that pension benefits from UAPF are made until the pension savings are exhausted.
UAPF JSC reminds that the timely adoption by the contributor of the decision to transfer voluntary pension contributions (VPC) will help to significantly replenish their pension capital and receive higher payments in the future.

3) Are voluntary pension contributions inherited?
In the event of the death of a person who has pension savings, including through voluntary pension contributions, they are inherited in the manner established by the legislation of Kazakhstan. In particular, the inheritance of pension savings is carried out by will or by law. 
When there is no will or the fate of the entire inheritance is not determined, as well as in other cases, inheritance by law comes into force.
 
4) What are the advantages of voluntary pension contributions?
It is worth noting that citizens pay voluntary pension contributions (VPC) on their own initiative, independently setting their amount and frequency. The procedure for receiving pension benefits at the expense of VPC is also determined by the beneficiary independently in accordance with the UAPF pension rules. This is one of the advantages of this type of contribution. 
Also, when an individual pays VPC in his own favor at the expense of his income, tax legislation provides for a tax deduction on the amount paid. As for employers, they also receive tax benefits. For example, VPC transferred by the employer in favor of the employee are not considered as income of an individual; for the employer, such expenses are deductible when calculating corporate income tax. That is, in this case, the employer receives tax benefits. 

5) Are voluntary pension contributions invested? Can they be transferred to investment portfolio managers?
Voluntary pension contributions, as well as all types of compulsory ones, are invested and generate income for contributors. By default, pension assets are managed by the National Bank of the Republic of Kazakhstan. However, contributors have the right to transfer pension savings to investment portfolio managers (IPM), which offer various investment strategies with different levels of profitability and risk. And if compulsory and compulsory occupational pension savings can be transferred to IPM up to 50%, then voluntary pension savings can be transferred to management in full. 
The transfer of IPM savings occurs upon the investor's application, which can be submitted electronically in the personal account on the fund's website or at any branch of UAPF. Based on the investment results, you can change the management company, but not more than once a year. Thus, participation in the management of pension assets is another plus of VPC.