What Fondo di previdenza Mario Negri does

Fondo di Previdenza Mario Negri is an Italian supplementary pension fund (fondo pensione negoziale) established in 1956 and headquartered in Rome (Via Palestro 32). Operating under a defined-contribution (contribuzione definita) regime with individual capitalization (sistema finanziario a capitalizzazione individuale), it serves executives (dirigenti) and pensioners enrolled through companies bound by applicable CCNL collective bargaining agreements across the commercial, transport and shipping, hospitality, services, and auxiliary/advanced tertiary sectors. The fund is jointly governed by social partners — Manageritalia representing executives, and Confcommercio and Confetra representing employers — under COVIP supervision (Registry No. 1460/99).

Core offerings include management of TFR (Trattamento Fine Rapporto) severance-pay contributions allocated across three investment compartments (Garantito, Bilanciato Medio-termine, Bilanciato Lungo-termine), mandatory and voluntary ordinary contributions, contractual welfare credits (up to €5,000/year), productivity bonus conversion (up to €3,000–€4,000), and a suite of pension benefits (old-age, disability, survivor pensions, RITA, lump-sum, advances, transfers, redemptions). Value-added services include direct executive mortgages (Euribor + 0.20% spread following the 2025 regulation update), a €750,000 annual scholarship program for members' children, and disability subsidies.

Distribution is B2B2C: employers enroll executives within 30 days of hire via the SUID (Sportello Unico Iscrizione Dirigenti) shared portal co-operated with Fondo Negri, Associazione Antonio Pastore, Fasdac, and CFMT; members then self-serve through the SPID-authenticated Area Riservata portal (live since July 2023) for pension estimates, contribution management, and benefit requests. Revenue mechanics consist of recurring employer and employee contributions on a conventional annual salary of €59,224.54, quarterly TFR transfers, and returns generated on managed assets across the three compartments. The fund is non-profit, has no shareholders, and is implementing D.Lgs. 112/2026 (Budget Law 2026) automatic enrollment provisions from July 1, 2026.

Name

Fondo di previdenza Mario Negri

Legal name

Fondo di Previdenza per i Dirigenti di Aziende Commerciali e di Spedizione e Trasporto Mario Negri

Website

https://fondonegri.it

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

11–50 employees

Short description

Fondo Mario Negri is an Italian supplementary pension fund founded in 1956, serving executives and pensioners across commercial, transport, hospitality, and services sectors under a defined-contribution, individual-capitalization model governed jointly by Manageritalia, Confcommercio, and Confetra under COVIP supervision.

Ownership category

akta.pro rank

Product category

Supplementary Pension Fund

NAICS

Pension Funds (525110), Funds, Trusts, and Other Financial Vehicles (525), Pension Funds (52511)

akta.pro primary industry

Corporate & Public Pension Funds (DB/DC Sponsors) (FSAAAGAA)

akta.pro secondary industries

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK), Pensions & Retirement Benefits Administration (BPAIAKAA), Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Supplementary pension fund
• Executive retirement benefits
• Defined contribution pension
• TFR management services
• Individual capitalization accounts

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Employer Contributions: Mandatory contributions from employers based on collective bargaining agreements, calculated on a conventional annual salary of €59,224.54. Contributions include ordinary contribution (ordinario) and integrative contribution (integrativo).
2. Employee Contributions: Ordinary contributions paid by executives, which flow into their individual pension accounts.
3. TFR (Trattamento Fine Rapporto): End-of-service indemnities voluntarily contributed to the fund, either current (maturando) or past (pregresso). Employers transfer TFR contributions quarterly.
4. Contractual Welfare Credits: Up to €5,000 per year of contractual welfare credits can be directed to supplementary pension, with full tax deductibility.
5. Productivity bonuses: Up to €3,000-4,000 of productivity bonuses transferred to the fund are fully tax-exempt, completely excluded from taxation.
6. Financial Management: Investment returns generated from managing the fund's assets across Garantito, Bilanciato Medio-termine, and Bilanciato Lungo-termine compartments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Fondo Mario Negri is an Italian supplementary pension fund (fondo pensione preesistente) operating under a defined contribution / individual capitalization regime, providing executives (dirigenti) in the commercial, transport, hospitality, and services sectors with retirement savings, TFR severance pay management, and complementary welfare benefits. The Fund collects mandatory employer and employee contributions based on collective bargaining agreements (CCNL), invests them across three compartments (Garantito, Bilanciato Medio-termine, Bilanciato Lungo-termine), and delivers pension benefits (old-age, disability, survivor), early access options, scholarships, and mortgage loans to its 51,000+ members.

Product overview

Fondo di Previdenza Mario Negri is a supplementary pension fund for executives operating under defined contribution regime with individual capitalization. The fund offers a comprehensive suite of pension and financial services organized around three core pillars: (1) Core Pension Management including TFR handling, investment compartments (Garantito, Bilanciato Medio-termine, Bilanciato Lungo-termine), mandatory contributions, and pension benefits (Pensione di Vecchiaia, Invalidità, Indiretta); (2) Early Access & Flexibility Services including RITA, capital liquidation, advances, transfers, redemptions, and voluntary continuation; (3) Supplementary Benefits including mortgages, scholarships (750,000 euros), contractual welfare, productivity bonuses, and disability subsidies. The fund operates paritetically between Manageritalia and employer confederations, managing over 51,000 members.

Differentiator

Problem solved

Functional benefit

Products and services

• Gestione TFR (Trattamento Fine Rapporto) Management of end-of-service severance pay (TFR) contributions, allowing executives to direct their TFR to supplementary pension instead of retaining it at the company, with favorable tax treatment ranging from 9-15% compared to 23-43% for company-retained TFR. Employers transfer TFR contributions quarterly.
• Comparti di Investimento Three investment compartments for TFR management: Garantito (guaranteed returns), Bilanciato Medio-termine (balanced medium-term), and Bilanciato Lungo-termine (balanced long-term), each with distinct risk-return profiles and switch options after one year of membership.
• Contribuzione (Pension Contributions) Mandatory pension contributions based on collective bargaining agreements (CCNL), with ordinary contributions (employee and employer share) flowing to individual accounts and integrative contributions (employer share) supporting the fund's actuarial equilibrium and solidarity components. Contributions calculated on a conventional annual salary of €59,224.54.
• Contribuzione Addizionale Additional voluntary contributions through company agreements, allowing executives to increase their pension savings at 60%, 90%, or 120% of standard contribution rates.
• Welfare Contrattuale Contractual welfare credits (€1,000-1,500) that can be directed to supplementary pension at Fondo Mario Negri, fully deductible up to €5,000 annually.
• Premio di Produttività Productivity bonuses up to €3,000-€4,000 that can be converted into pension fund contributions with total tax exemption for employees with annual gross income under €80,000.
• Mutui Ipotecari Direct mortgage loans offered to registered executives for first-home purchase, with maximum 80% loan-to-value ratio, up to €200,000, 20-year terms, and variable rates tied to 6-month Euribor plus 0.20% spread.
• Borse di Studio Annual scholarship programs for children of registered executives, spanning from middle school completion through master's degree, with total funding of €750,000.
• Pensione di Vecchiaia Old-age pension benefit requiring minimum 5 years of contributory seniority and eligibility for mandatory pension, payable up to 10 years from pensionable age even if contributions cease.
• Pensione di Invalidità Disability pension for active executives with at least 5 years of contributory seniority who contract permanent disability causing at least 60% reduction in work capacity.
• Pensione Indiretta Survivor pension for dependents (spouse and children) of deceased active or voluntarily continuing executives with at least 5 years of contributory seniority.
• RITA (Rendita Integrativa Temporanea Anticipata) Temporary anticipatory pension allowing early access to accumulated funds 5-10 years before official pension age, with quarterly payments and continued investment in the selected compartment.
• Liquidazione in Capitale Lump-sum payment option allowing eligible executives to receive part or all of their individual position as capital instead of pension.
• Anticipazioni Advances on accumulated position for healthcare expenses (100% at any time), first-home purchase or renovation (100% after 8 years), or other needs (80% after 8 years).
• Trasferimento Transfer of accumulated position to another pension fund, available for full position upon employment termination or for TFR only after 2 years of enrollment while still employed.
• Riscatto Full or partial redemption of individual position upon employment termination without mandatory pension eligibility, available for job loss, unemployment 12-48+ months, permanent disability, or death.
• Designazione Beneficiari Beneficiary designation service allowing executives to freely nominate any person (physical or legal) as beneficiary of their pension position, not subject to inheritance law or succession taxes.
• Prosecuzione Volontaria Voluntary continuation of contributions for dismissed/resigned executives with at least one year of contributory history, available within one year of employment termination.
• Stima Pensione Pension simulation tool available in the reserved area, allowing executives to estimate their future supplementary pension.
• Sussidi per Figli Minori con Grave Disabilità Monthly subsidy of €500 for executives or retired executives with minor children in conditions of serious disability under L. 104/92, provided for a single family member per household.

Quantifiable outcome

• 68 years of operation with 51,000+ members
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Forum per la Finanza Sostenibile (Forum for Sustainable Finance)minorStrategic or Co-development Partner · 1 January 2025Organization uniting financial sector stakeholders around ESG integration in investment decisions. The Fund became a member in 2025, demonstrating commitment to sustainable finance principles.
• Fondo Negri, Associazione Antonio Pastore, Fasdac, CFMT (SUID Consortium)coreTechnology or Integration · 1 May 2019Joint enrollment platform (SUID) shared among multiple pension and welfare funds for executives. Single enrollment communication signed once by employer legal representative.
• COVIP (Commissione di Vigilanza sui Fondi Pensione)coreOthers · 1 January 1993Regulatory authority overseeing pension funds. Supervises Fund operations, approves regulations, and monitors compliance with D.Lgs. 252/2005 and related legislation.
• INPS (Fondo di Garanzia)minorStrategic or Co-development Partner · 21 April 1992INPS Guarantee Fund protects members when employers fail to make contributions. Covers employer and employee contributions plus TFR that should have been transferred to the pension fund.
• ManageritaliacoreStrategic or Co-development Partner · 19 June 1956Founding social partner representing executives. Designates the President and multiple Board members. Jointly manages the Fund with employer associations. CCNL negotiations determine contribution rates.
• ConfcommerciocoreStrategic or Co-development Partner · 19 June 1956Employer confederation for commercial sector. Jointly manages the Fund with unions. Designates the Vice President, multiple Board members, and Collegio Sindacale representatives.
• ConfetracoreStrategic or Co-development Partner · 19 June 1956Employer confederation for transport and shipping. Jointly manages the Fund. Designates Board members including Collegio Sindacale representatives.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Mefop SpA: Joint venture of Italian social partners providing consultancy, training, and technology services to complementary pension funds including Mario Negri. Indirect comparator on operational scalability and governance best-practice for occupational DC funds.

Direct peers

• Fondo Priamo: Supplementary pension fund for executives and managers of industrial-sector companies (industria); shares the contractual DC-capitalization structure with Mario Negri and competes for executive-mindshare in adjacent CCNL segments.
• Fondo QuAS: Pension fund for executives of cooperative credit banks (BCC) and ABI sectors — a CBA-anchored dirigenti pension vehicle with comparable defined-contribution architecture and similar member-services suite.
• Associazione Antonio Pastore: Supplementary pension fund for Italian executives established under collective bargaining, jointly managed by social partners and sharing the SUID enrollment portal with Fondo Mario Negri. Directly comparable product set: defined-contribution capitalization with compartmentalized investments.
• Cometa Fondo Pensione: Italy's largest contractual pension fund for metalworking-industry workers. Comparable in governance (social-partner parity), DC capitalization structure, multi-comparto menu and COVIP supervision — benchmarked for its scale and operational efficiency.
• Fasdac: Fondo di assistenza sanitaria integrativa for Italian executives — a parallel social-partner, CBA-anchored benefit fund that shares the SUID enrollment infrastructure with Mario Negri and serves the same executive persona in the Terziario sector.
• Fondo Fonte: Italian contractual supplementary pension fund covering employees (dipendenti, not dirigenti) of the Terziario, turismo, servizi and shipping sectors — overlapping the same collective-bargaining ecosystem, with a defined-contribution product and multi-comparto investment architecture that mirrors Mario Negri's.

Broad incumbents

• Intesa Sanpaolo Vita / Previdenza Solutions: Italian life insurer and major open-fund sponsor offering PIP (Piani Individuali Pensionistici) and open pension funds. Competes with Mario Negri on retail/mass-affluent retirement saving beyond the CBA-anchored executive niche.
• Generali Italia — Previdenza & Employee Benefits: Generali's life-and-pensions arm operates open pension funds and group pension schemes for Italian corporates across multiple sectors. Overlaps Mario Negri as both competitor for executive retirement contributions and potential asset-management partner.

Emerging players

• Allianz S.p.A. — Previdenza: Allianz Italy operates open pension funds and PIP wrappers marketed to Italian professionals and executives; a financial-services incumbent extending into the DC pension space with broad investment-menu and digital onboarding where Mario Negri operates its member portal.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fondo-di-previdenza-per-i-dirigenti-di-aziende-commerciali-e-di-spedizione-e-trasporto

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Fondo di previdenza Mario Negri