Solidarietà Veneto Fondo Pensione

Name

Solidarietà Veneto Fondo Pensione

Legal name

Solidarietà Veneto Fondo Pensione

Website

https://solidarietaveneto.it

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Pension Fund Management

NAICS

Pension Funds (525110)

SIC

Investment Advice (6282)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Complementary pension fund
• Occupational pension
• Retirement savings
• Pension fund management
• Contractual pension fund

Headquarters

HQ city

Venice

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Contribution Management: The fund collects contributions from three sources: employee contributions (deducted from salary), employer contributions (as per collective agreements), and voluntary contributions (direct bank transfers). These contributions are invested across four investment compartments to generate returns for members.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

Solidarietà Veneto is a contractual complementary pension fund that collects retirement contributions from employees and employers in Veneto region, invests them across four risk-based compartments (Garantito, Prudente, Reddito, Dinamico), and pays out pensions, annuities, and supplementary benefits. The fund distributes through 150+ regional service points, dedicated member and company portals, and mobile apps, while offering tax-advantaged retirement savings with ISC rates significantly below market averages.

Product overview

Solidarietà Veneto Fondo Pensione is a complementary pension fund (Fondo Pensione) operating as a single unified platform offering retirement savings products for Veneto region workers. The fund provides four distinct investment compartments (Comparto Dinamico, Reddito, Prudente, and Garantito) alongside an automated life-cycle option (Percorso Previdenziale Ideale) that adjusts risk automatically. Members can access various benefit features including RITA for early retirement, advance withdrawals for specific purposes, supplementary insurance coverage, and flexible annuity options. The platform also supports voluntary contributions, family member enrollment, and corporate welfare integration, all managed through digital portals and a network of over 150 regional branches.

Differentiator

Problem solved

Functional benefit

Brands

• START! Previdenza: Video consultation service allowing members to speak with fund advisors about automatic enrollment.
• Percorso previdenziale ideale (PPI)

Products and services

• Fondo Pensione (Complementary Pension Fund) Contractual complementary pension fund providing defined-contribution retirement savings on top of public INPS, governed by collective bargaining agreements and supervised by COVIP (registration no. 87). Open to Veneto region workers, their fiscally dependent family members, and self-employed who can voluntarily join.
• Comparto Garantito Capital-guaranteed investment compartment with insurance coverage for members within 2 years of retirement or with very low risk tolerance. ISC: 0.84% (5yr), 0.70% (10yr), 0.60% (35yr).
• Comparto Prudente Conservative investment option for members with 2-9 years to retirement or those seeking low-volatility investments. ISC: 0.47% (5yr), 0.33% (10yr), 0.23% (35yr). Bando di gara issued February 2025 for partial management selection.
• Comparto Reddito Balanced investment option for members with 10-24 years to retirement, targeting moderate consistent capital growth during the career phase. ISC: 0.48% (5yr), 0.34% (10yr), 0.24% (35yr).
• Comparto Dinamico Growth-oriented investment option for members with more than 25 years to retirement, featuring strong diversification across asset classes for medium-to-long-term capital growth. ISC: 0.47% (5yr), 0.33% (10yr), 0.24% (35yr).
• Percorso Previdenziale Ideale (PPI) Automatic life-cycle investment strategy that progressively reduces risk exposure as member approaches retirement, automatically switching between the four investment compartments (Dinamico, Reddito, Prudente, Garantito) based on age and proximity to retirement.
• Rendita Integrativa Temporanea Anticipata (RITA) Anticipated pension bridge allowing members to access accumulated capital 5-10 years before official retirement age, providing income during the transition period until standard pension payments begin.
• Rendite (Annuities) Various annuity payout options at retirement including vitalizia semplice, reversibile, certa 5/10 anni, controassicurata, and Long Term Care, with favorable taxation up to 15%.
• Prestazioni Accessorie (Supplementary Coverages) Voluntary insurance coverage for disability or death, underwritten by Poste Vita Spa, providing benefits equal to 21% of annual salary multiplied by years remaining to age 60, with bonuses for dependents (+50%) and traffic accidents (+25%).
• Welfare Aziendale e Premi di Risultato Company welfare and performance bonus programs with favorable tax treatment when directed to the pension fund, providing full exemption when destined to supplementary health or pension products.

Quantifiable outcome

• Patrimonio gestito €3+ miliardi
• +5 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Poste Vita SpacoreStrategic or Co-development PartnerInsurance partnership for supplementary coverage (prestazioni accessorie) including death and permanent disability insurance. Provides coverage equal to 21% of annual salary multiplied by years remaining to age 60, with additional bonuses for families with dependents (+50%) and traffic accidents (+25%).
• CISL VenetocoreStrategic or Co-development PartnerLabor union partnership providing network of service points across Veneto provinces. CISL is one of the founding partners of the regional pension fund.
• UIL VenetocoreStrategic or Co-development PartnerLabor union partnership providing network of service points across Veneto provinces. UIL is one of the founding partners of the regional pension fund.
• Confartigianato VenetocoreChannel Partner/ Reseller/ DistributorBusiness association partnership providing service points for artisan sector workers. Primary channel for enrolling artisan tradespeople.
• CNA VenetocoreChannel Partner/ Reseller/ DistributorBusiness association partnership providing service points for small businesses and craftspeople.
• Casartigiani VenetominorChannel Partner/ Reseller/ DistributorArtisan association partnership for service point distribution.
• Confindustria VicenzacoreGTM or Marketing PartnerJoint events on pension topics, including 'In pensione con Inps e previdenza complementare' conference in November 2024, reaching 2000+ business participants.
• Confindustria Veneto EstcoreGTM or Marketing PartnerMajor partner for events including General Assembly 2024 with 2000+ attendees. Joint webinars on pension flexibility 2025.
• INPS Direzione Regionale del VenetocoreGTM or Marketing PartnerCollaboration on public pension awareness events, providing information on both public and complementary pension systems.
• Federmanager Treviso e BellunominorGTM or Marketing PartnerJoint events on pension topics for managers and professionals in the Treviso and Belluno provinces.
• Patronato ACLI del VenetominorGTM or Marketing PartnerCollaboration on webinars about 2025 pension reforms and flexibility options.
• Veneto WelfarecoreGTM or Marketing PartnerInitiator of the 'Sii previdente, proteggi i tuoi sogni' financial education program in schools, involving Solidarietà Veneto trainers across 60+ school branches.
• Previndai Fondo PensioneminorGTM or Marketing PartnerJoint events with Previndai general managers presenting comparative information on complementary pension options for managers.
• Previnet (Solve)coreTechnology or IntegrationAdministrative service provider (service amministrativo) for the fund, operating the member and company portals (funds.previnet.it). Powers the online registration and management systems.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Cooperlavoro: Contractual pension fund for cooperative sector workers. Same legal structure, multi-compartment offerings, and union-employer governance model typical of Italian fondi pensione negoziali.
• Fondo Fonte: Contractual pension fund for workers in commerce, tourism, and services sectors. Comparable multi-compartment structure, B2B2C distribution through employer agreements, and COVIP-supervised governance model similar to Solidarietà Veneto.
• Laborfonds: Trentino-Alto Adige regional contractual pension fund, the closest geographic analog to Solidarietà Veneto. Operates with similar B2B2C model, territorial service network, and union-employer governance; comparable AUM scale and youth engagement strategy.
• Cometa Fondo Pensione: Italy's largest national contractual pension fund for metalworkers and engineering sector employees. Directly comparable as a COVIP-registered fondo pensione negoziale offering multi-compartment investment options and supplementary coverage to corporate contributors.
• Arco Fondo Pensione: Contractual pension fund for construction and related industries workers. Comparable multi-compartment structure, life-cycle investment option, and employer-driven adhesion mechanism for sectoral workers.
• Fondo Espero: Contractual pension fund for public sector employees (school personnel). Directly comparable as a COVIP-supervised fondo pensione negoziale serving members via collective bargaining channels.
• Fondo Priamo: Contractual pension fund for transport and logistics sector workers. Same legal form (fondo pensione negoziale), COVIP supervision, multi-compartment offerings, and collective bargaining-driven distribution model.
• Previndai: Contractual pension fund for industrial managers. Comparable COVIP-supervised structure and investment compartments, but serves a different occupational segment (managers vs operational workers), making it a partial overlap peer.

Broad incumbents

• Generali Italia: Italy's largest insurance group offering pension products (PIP - Piani Individuali Pensionistici) alongside life insurance. Competes with contractual funds on supplementary pension savings, particularly for self-employed and individual voluntary contribution segments.

Regional players

• Solidarietà Piemonte: Regional contractual pension fund serving Piemonte workers. Closest analog to Solidarietà Veneto's regional focus, sharing the territorial B2B2C model and labor-union sponsorship, though operating in a different Italian region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/SolidarietaVeneto
• Facebookfacebook.com/solidarietaveneto
• LinkedInit.linkedin.com/company/solidariet%C3%A0-veneto
• Instagraminstagram.com/solidarieta.veneto
• TikToktiktok.com/@solidarieta.veneto

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Solidarietà Veneto Fondo Pensione