FIPECq

What FIPECq does

FIPECq - Fundação de Previdência Complementar dos Empregados ou Servidores da FINEP, do IPEA, do CNPq, do INPE e do INPA is a Brazilian nonprofit closed complementary pension entity (Entidade Fechada de Previdência Complementar, EFPC) founded in April 2007 and headquartered in Brasília, DF. It is regulated by PREVIC and structured as a self-sustaining pension foundation without external equity backing, governed by a Deliberative Council, Fiscal Council, and Executive Board. The entity operates under Brazilian complementary pension legislation and serves a structurally narrow institutional constituency.

The core product platform consists of three pension plans: FIPECqPREV, a Contribution Defined (CD) plan instituted by subsidiary FIPECqVida - Caixa de Assistência Social (CNPB 20.060.029-29) launched in April 2007; PPC, a Defined Benefit (BD) plan closed to new adhesions since 10 March 2021 following PREVIC approval of its new regulation; and FIPECq Entes Federativos (FEF), a Defined Contribution plan for state and municipal public servants (CNPB 2022.0019-74) currently expanding via adhesion agreements with named municipalities. Ancillary products include participant loans at below-market rates (1.37% monthly for FIPECqPREV, 0.74% for PPC), risk insurance covering death and disability with R$5,000 monthly prize lottery, an income tax simulator, and a Financial and Pension Education Program with courses, calculators, and quizzes.

Revenue is generated from contribution-based loading fees on a declining scale (2% below R$162, 1% R$162–R$625, 0.5% R$625–R$1,250, 0% above R$1,250) plus a 0.40% annual administration fee, with risk insurance premiums indexed to IPCA. Distribution combines digital self-service enrollment portals, direct financial consultant outreach, a 0800 relationship center, and a Clube de Vantagens benefits club with over 6,000 partner discount agreements. The customer base is restricted to employees and servers of five federal research institutions (FINEP, IPEA, CNPq, INPE, INPA) plus a small roster of municipal Entes Federativos.

Name

FIPECq

Legal name

FIPECq - Fundação de Previdência Complementar dos Empregados ou Servidores da FINEP, do IPEA, do CNPq, do INPE e do INPA

Website

https://fipecq.org.br

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

FIPECq is a nonprofit Brazilian closed complementary pension foundation managing defined-contribution and defined-benefit plans for employees of five federal research institutions (FINEP, IPEA, CNPq, INPE, INPA) and selected state/municipal public servants via its Entes Federativos plan.

Ownership category

akta.pro rank

Product category

Complementary Pension Fund Management

NAICS

Pension Funds (525110), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

akta.pro primary industry

Employee Benefit & Retirement Plan Trust Services (FSAAANAC)

akta.pro secondary industries

Trust Administration & Fiduciary Accounting Services (FSAAANAF), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Closed pension funds
• Supplementary retirement plans
• Defined contribution pensions
• Public sector pensions
• Pension fund management

Headquarters

HQ city

Brasilia

HQ country

Colombia

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

Pricing tiers

Distribution channels4 records

Marketing channels6 records

Core offering

FIPECq is a closed complementary pension entity (Entidade Fechada de Previdência Complementar) that administers defined-contribution and defined-benefit pension plans to supplement Brazilian government pension (INSS) benefits. It serves employees of federal research institutions (FINEP, IPEA, CNPq, INPE, INPA) and, via the FEF plan, state and municipal public servants, providing supplementary retirement income, risk insurance, loans, tax-deductible savings, and financial education.

Product overview

FIPECq is a closed supplementary pension entity (Entidade Fechada de Previdência Complementar) offering three main pension plans: FIPECqPREV (Contribution Defined Plan), PPC (Defined Benefit Plan), and FIPECq Entes Federativos (FEF). The portfolio includes supplementary services such as loan programs for participants, risk insurance (death and disability coverage), income tax simulation tools, and a comprehensive Financial and Pension Education Program. Additional services include an Ombudsman, TV FIPECq video content channel, and a Benefits Club with over 6,000 partner agreements. The organization serves employees of FINEP, IPEA, CNPq, INPE, and INPA, as well as state and municipal public servants through its Entes Federativos plan.

Differentiator

Problem solved

Functional benefit

Brands

• FIPECqPREV: Plano de Contribuição Definida (CD) instituted by FIPECqVida, available to all associates. Participants determine their contribution value and benefits are based on accumulated resources in individual accounts plus returns.
• PPC (Plano de Previdência Complementar)
• FEF (FIPECq Entes Federativos)
• FIPECqPREV + Proteção

Products and services

• FIPECqPREV (Defined Contribution Plan) Defined Contribution (CD) pension plan administered by FIPECq, where participants determine their contribution amount and benefits are based on accumulated individual account balance plus investment returns. Available to employees of FINEP, IPEA, CNPq, INPE, INPA and affiliated entities. Includes optional risk insurance coverage (FIPECqPREV + Proteção) for death and disability.
• PPC (Plano de Previdência Complementar) Defined Benefit (BD) pension plan administered by FIPECq that complements INSS benefits for participants linked to the celetista regime of sponsoring institutions. Closed to new enrollments since March 10, 2021; continues to serve existing Assistidos and pensioners with benefit payments and annual adjustments.
• FIPECq Entes Federativos (FEF) Defined Contribution plan for the Supplementary Pension regime of State and Municipal public servants. Distributed via adhesion agreements with public entities including Camboriú, Guarujá, Salto de Pirapora, Santo Antônio de Posse, Estrela Velha, Estrela, Paraíso, Parisi-SP, and Campinas-SP. Requires basic contributions of 2.5%–8.5% of participation salary.
• Empréstimos FIPECqPREV Loan service for FIPECqPREV participants offering below-market interest rates (1.37% monthly in July 2026). Credit can reach up to 40% of individual account balance with repayment period of 6 to 60 months.
• Empréstimos PPC Loan service for PPC participants and assisted persons. Maximum credit up to 30 times the INSS ceiling (R$254,266.50), with repayment up to 120 months depending on inscription time and contractor age. Interest rate of 0.741164% monthly.
• FIPECqPREV + Proteção (Risk Insurance) Risk insurance plan covering death and disability for FIPECqPREV participants. Includes travel insurance, pharmacy assistance with 5%–70% discounts, life quality assistance, automobile assistance, and monthly prize drawings of R$5,000. Premiums and insured capital values corrected annually by IPCA.
• Simulador de IR (Imposto de Renda) Online income tax simulator allowing participants to insert contribution values performed and projected, compare with other gross income, and calculate IRPF deductions up to 12% of gross income per Brazilian Law 9,532/1997.
• Programa de Educação Financeira e Previdenciária Financial and pension education program offering courses, videos, spreadsheets, financial calculator, and educational tools to help participants understand and apply financial concepts. Includes budget control spreadsheet, future planning tools, and quiz resources.
• Clube de Vantagens FIPECq Benefits club with over 6,000 partner agreements offering discounts and exclusive differentials for plan contributors, including discounts at pharmacies, airlines, schools, language schools, and household stores.

Quantifiable outcome

• R$5,000 monthly prize lottery for risk insurance participants
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• FINEP (Financiadora de Estudos e Projetos)coreOthersFINEP is the primary sponsor of FIPECq, providing pension coverage for its employees through the FIPECqPREV and PPC plans. As the main research funding agency among the sponsor institutions, FINEP employees represent a core participant base of the foundation.
• IPEA (Instituto de Pesquisa Econômica Aplicada)coreOthersIPEA is a sponsor institution of FIPECq, providing pension coverage for its employees. IPEA is a federal public institute focused on economic research and policy analysis.
• CNPq (Conselho Nacional de Desenvolvimento Científico e Tecnológico)coreOthersCNPq is a sponsor institution of FIPECq, providing pension coverage for its employees. CNPq is Brazil's main federal agency for scientific and technological development.
• INPE (Instituto Nacional de Pesquisas Espaciais)coreOthersINPE is a sponsor institution of FIPECq, providing pension coverage for its employees. INPE is Brazil's national institute for space research.
• INPA (Instituto Nacional de Pesquisas da Amazônia)coreOthersINPA is a sponsor institution of FIPECq, providing pension coverage for its employees. INPA is Brazil's national institute for Amazon research.
• FIPECqVida (Caixa de Assistência Social da FIPECq)coreOthersFIPECqVida is the instituidora (founding institution) that instituted the FIPECqPREV defined-contribution plan and is listed as a co-patron on the institutional footer. It serves as the institutional promoter of the main active participant plan.
• CFA (Conselho Federal de Administração)minorOthersCFA is listed as an instituidora (institutional partner) alongside FIPECqVida on the organization's institutional footer, indicating a secondary institutional relationship in the FIPECq ecosystem.

Recent moves6 records

Expansion highlights4 records

Direct peers

• Petros: Petros is the closed pension fund for Petrobras employees and is one of the largest EFPCs in Brazil by AUM. It administers BD and CD plans, loan programs, and risk insurance for a single large corporate sponsor — the same single-sponsor closed-fund model that FIPECq uses for FINEP/IPEA/CNPq/INPE/INPA, just at much larger scale.
• Postalis: Postalis is the closed pension fund for Correios (Brazilian postal service) employees, operating as an EFPC under PREVIC. It is comparable to FIPECq because it serves a single federal/state-owned enterprise employee base with both BD and CD plans and offers loans, insurance, and supplementary pension benefits — the same operational model as FIPECq's sponsor-based closed fund.
• Real Grandeza (Fundação Real Grandeza): Real Grandeza is the closed pension entity for Furnas and Eletrobras employees, administering defined-benefit and defined-contribution plans under PREVIC oversight. It is comparable to FIPECq because both serve employees of specific federal/state-owned enterprise groups with the same closed-fund operating model and similar product set (CD/BD plans, loans, risk coverage).
• Capef (Caixa de Previdência e Assistência dos Funcionários do Banco do Nordeste): Capef is the closed pension fund for Banco do Nordeste employees, administering defined-benefit and defined-contribution plans for a corporate sponsor group. It is comparable to FIPECq in product mix (CD/BD plans, insurance, loans) and in operating model (single/small group of sponsors under PREVIC regulation), though serving a different employee base.
• Economus (Instituto de Seguridade Social Economus): Economus is the closed pension entity for employees of Caixa Econômica Federal and Banco do Brasil, providing BD and CD plans under PREVIC regulation. It is a direct peer because of matching closed-fund structure, single-sponsor or small-group sponsor model, and similar product offering including loans and insurance for participants.
• Funpresp (Funpresp-Exe / Funpresp-Leg / Funpresp-Jud): Funpresp is a Brazilian closed pension fund (EFPC) that provides defined-contribution supplementary pension plans to federal public servants across the executive, legislative, and judicial branches. Like FIPECq, it administers CD plans, charges participant-based loading fees, and is regulated by PREVIC. It is a direct peer in product structure (CD plans, similar fee architecture) and in target market (federal public-sector employees), although it serves a much larger universe.
• Previ (Caixa de Previdência dos Funcionários do Banco do Brasil): Previ is the closed pension fund for Banco do Brasil employees and one of Brazil's largest EFPCs. It is a direct peer because it operates both defined-benefit and defined-contribution plans, offers loans, insurance, and benefits programs, and serves a closed employee base of one corporate sponsor — structurally analogous to FIPECq's relationship with its five federal R&D sponsors.
• Valia: Valia is the closed pension entity of Vale S.A. and one of Brazil's major EFPCs. It is a direct peer because it runs both BD and CD plans, manages participant AUM, offers loans, and provides risk insurance — the same product architecture as FIPECq — though for a single large corporate sponsor rather than a group of federal research institutions.
• Funcef: Funcef is a closed pension entity (EFPC) for Caixa Econômica Federal employees, administering both defined-benefit and defined-contribution plans with very similar operational mechanics to FIPECq (loading fees, balance-based fees, risk insurance add-ons, loan products). It is a direct peer because both serve a single sponsoring employer (or small employer group) and run the same closed-fund operating model under PREVIC oversight.

Broad incumbents

• Brazilprev: Brazilprev is one of Brazil's largest open private pension providers, offering PGBL and VGBL products distributed through Banco do Brasil's branch network. It is comparable to FIPECq as a supplementary pension provider competing for the same Brazilian saver, but as an open entity with mass-market distribution rather than a closed employer-specific fund.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/FIPECqPrevidencia
• Facebookfacebook.com/FIPECq
• LinkedInlinkedin.com/company/fipecq
• Instagraminstagram.com/fipecqprevidencia

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 FIPECq