Fapers

What Fapers does

FAPERS (Fundação de Assistência e Previdência Social) is a Brazilian closed complementary pension entity (Entidade Fechada de Previdência Complementar, EFPC) headquartered in Porto Alegre, Rio Grande do Sul. Founded circa 1982 and regulated by PREVIC (Superintendência Nacional de Previdência Complementar), FAPERS exclusively administers retirement benefit plans for current and former employees of its single sponsor, EMATER/RS-ASCAR (Associação Sulina de Crédito e Assistência Rural), a state-level agricultural extension organization. The foundation operates four benefit plans: Plano de Benefício I, Plano Misto, and Plano Geral Saldado (all closed to new adhesions), and Plano Prever (the sole plan open to new participants, structured as a defined contribution vehicle with contributions ranging from 3.50% to 15% of salary and employer matching up to 7.41%). A separate Plano de Gestão Administrativa covers operational costs.

FAPERS generates revenue through three streams: periodic participant contributions supplemented by sponsor matching, administrative fees calculated annually by an independent actuary based on contributions and investment results, and interest income from personal loans offered to participants with age-tiered amortization terms (up to 60 months for participants under 75, scaling down for older age bands). Investment management is executed in partnership with SulAmérica Investimentos and Vinci Partners. Additional services include an online retirement benefit simulator, disability and death benefits, and financial education programming. Distribution is conducted exclusively through the sponsor organization's HR infrastructure (intranet, payroll deduction, automatic enrollment upon admission), with no external sales motion.

The foundation is governed by a Deliberative Council, Fiscal Council, and a three-person Executive Board currently serving the 2026-2029 triennium. FAPERS is a member of ABRAPP and the Tchê Federação network of pension entities, through which it participates in national financial education initiatives such as the Semana Nacional de Educação Financeira (ENEF). The organization holds CPA-20 certifications among board members and has aligned its anti-money laundering policy with PREVIC Resoluções nº 23/2023 and nº 25/2024.

Name

Fapers

Legal name

FAPERS - Fundação de Assistance à Saúde e Previdência

Website

https://fapers.org.br

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

FAPERS is a closed complementary pension foundation in Porto Alegre, Brazil, administering retirement benefit plans exclusively for employees and pensioners of its single sponsor, EMATER/RS-ASCAR, an agricultural extension organization in Rio Grande do Sul.

Ownership category

akta.pro rank

Product category

Complementary Pension Services

NAICS

Pension Funds (525110)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Complementary pension plans
• Defined contribution retirement
• Pension fund management
• Participant personal loans
• Retirement benefit administration

Headquarters

HQ city

Porto Alegre

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension Contributions: FAPERS generates revenue through periodic contributions from plan participants (employees of EMATER/RS-ASCAR) and matching contributions from the sponsor employer. The foundation also earns returns on investment of pension fund assets.
2. Administrative Fees: The percentage for coverage of administrative costs is calculated annually by the Independent Actuary, based on contributions from the Sponsor, Participant contributions, and Investment Results.
3. Loan Operations: Personal loans are offered to participants, assistidos, and pensioners with amortization periods based on age, generating interest income for the foundation.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

FAPERS is a closed complementary pension foundation that administers defined benefit and defined contribution retirement plans exclusively for employees and pensioners of its sponsor EMATER/RS-ASCAR. It offers four benefit plans (Plano Prever open to new adhesions plus three legacy closed plans), personal loans with age-based amortization, disability and death benefits, and an online retirement simulator.

Product overview

FAPERS (Fundação de Administração e Preservation de Recursos de Servidores) is a closed pension fund foundation that administers four benefit plans for employees of EMATER/RS-ASCAR. The foundation offers three legacy plans (Plano de Benefício I, Plano Misto, and Plano Geral Saldado) that are closed to new adhesions, and the Plano Prever as the sole actively marketed product for new participants. The Plano de Gestão Administrativa covers operational costs. Additional services include personal loans with age-based amortization terms and an online benefit simulator for retirement planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Prever Defined contribution pension plan currently open to new adhesions for employees of EMATER/RS-ASCAR, with flexible participant contributions from 3.50% to 15% of salary and sponsor matching up to 7.41%.
• Plano de Benefício I
• Plano Misto
• Plano Geral Saldado
• Plano de Gestão Administrativa
• Empréstimo Pessoal Personal loan service offered to participants, assistidos, and pensioners with amortization periods varying by age (up to 60 months for those under 75, with progressively shorter terms for older ages).
• Simulador de Benefícios

Quantifiable outcome

• Accumulated savings example: R$250 monthly contribution + R$250 employer match over 29 years with 10% annual return = approximately R$932,000

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered minor and core.

• SEA (Sociedade Espírita Amigos da Espiritualidade)minorOthers · 23 May 2026Host venue for FAPERS financial education activities during ENEF 2026. The event was conducted at this location in Porto Alegre, involving children and adolescents aged 6-18.
• Tchê FederaçãominorStrategic or Co-development Partner · 1 May 2026Network of closed complementary pension entities that collaborate on financial education initiatives. FAPERS participated in the Semana Nacional de Educação Financeira (ENEF) 2026 through this network.
• SulAmérica InvestimentoscoreStrategic or Co-development PartnerInstitutional partner providing investment management services. Listed as partner alongside Vinci Partners, offering investment products for FAPERS fund management.
• Vinci PartnerscoreStrategic or Co-development PartnerInstitutional partner providing investment management services. Listed alongside SulAmérica as investment partners for FAPERS fund management.
• EMATER/RS-ASCARcoreOthersSponsor organization whose employees are eligible to participate in FAPERS pension plans. The sponsor provides employer matching contributions and payroll deduction infrastructure for participant contributions.
• PREVICcoreOthersSuperintendência Nacional de Previdência Complementar - Brazilian regulatory body overseeing closed complementary pension entities. FAPERS operates under PREVIC regulation and has implemented policies aligned with PREVIC Resolutions 23/2023 and 25/2024.

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fapersoficial
• LinkedInlinkedin.com/company/fapersoficial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 Fapers