Fondo Pensione Prevedi

What Fondo Pensione Prevedi does

Fondo Pensione Prevedi is a non-profit Italian supplementary pension fund (fondo pensione negoziale complementare) established on 9 April 2001 by collective agreement between the three national construction trade unions (Fillea-CGIL, Filca-CISL, Feneal-UIL) and major employer associations (ANCE, ANAEPA-Confartigianato, ANSE-ASSOEDILI-CNA, FIAE-CASA, CLAAI), later extended to ANIEM/ANIER under CCNL Edili-Confimi. It is the designated supplementary pension vehicle for workers employed under the CCNL Edili-industria and Edili-artigianato collective agreements, covering Italy's industrial and artisanal construction sector. The fund operates two investment compartments — Comparto Bilanciato (Balanced, medium risk) and Comparto Sicurezza (Security, capital-guaranteed via Pioneer/Amundi) — under COVIP supervision (Albo n. 136). As of 30 June 2026, total assets under management reached approximately EUR 1.71 billion (Bilanciato EUR 1.42 billion; Sicurezza EUR 294 million).

The fund's core technology stack is a member-facing web portal and mobile application (iOS/Android, launched March 2021) operated by Previnet S.p.A. on its behalf, including dedicated reserved areas for workers, companies, trade unionists, board members, and delegates. Functional tools include a Contribution Simulator (Previnet-hosted), a Pension Simulator (MEFOP-hosted), and SPID-enabled authentication. The fund's technology footprint is functional rather than differentiated — focused on member self-service, contribution tracking, advance/redemption request management, and document download. Cumulative net returns for Comparto Bilanciato reached +126.3% over 2004-2025 and +52.51% for Comparto Sicurezza over the same period, with 2025 net returns of +4.63% and +2.58% respectively.

Prevedi's business model is a non-profit mutual structure governed by member-elected delegates, with no external shareholders. Revenue derives from contractual employer contributions (approximately 1% of gross salary, doubled if the worker signs the integration module and matched again under the 2024-2026 Accordo bonus), plus very low annual membership fees. Members benefit from IRPEF tax deductions up to EUR 5,164.57 per year and preferential tax rates on payouts (9-23%), with INPS Fondo di Garanzia coverage for unpaid contributions in case of employer insolvency. Distribution is anchored in the 100+ Casse Edili paritary bodies (CNCE-coordinated) and the founding union/employer networks, supplemented by the website, mobile app, YouTube video guides, MailChimp newsletters, and the COVIP ISC comparator tool. The fund has 14 employees headquartered in Rome (Via Nizza 45).

Name

Fondo Pensione Prevedi

Legal name

Fondo Pensione Complementare per i lavoratori delle imprese industriali ed artigiane edili ed affini - Prevedi

Website

https://prevedi.it

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Fondo Pensione Prevedi is a non-profit Italian supplementary pension fund serving construction industry workers under CCNL Edili-industria and Edili-artigianato, managing two compartments (Balanced and Guaranteed) with approximately EUR 1.71 billion in assets under COVIP supervision.

Ownership category

akta.pro rank

Product category

Supplementary Pension Fund

NAICS

Pension Funds (525110), Pension Funds (52511), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311)

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), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Supplementary pension fund
• Occupational retirement plan
• Collective pension scheme
• Construction worker pension
• Pension fund management

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Infrastructure

Pricing tiers

Distribution channels6 records

Marketing channels9 records

Core offering

Fondo Pensione Prevedi is a non-profit supplementary pension fund that collects and invests contractual pension contributions from Italian construction sector workers and their employers under CCNL Edili-industria, Edili-artigianato and Edili-Aniem-Anier collective agreements. It operates two investment compartments — Comparto Bilanciato (balanced medium-risk) and Comparto Sicurezza (capital-guaranteed for members near retirement) — and delivers services to members through reserved web portals, a mobile app, online contribution and pension simulators, and the paritary Casse Edili administrative network.

Product overview

Fondo Pensione Prevedi is a supplementary pension fund for workers in industrial and artisan construction companies. The fund operates through two main investment compartments: Comparto Bilanciato (Balanced) for workers not near retirement, and Comparto Sicurezza (Safety) for those near retirement with guaranteed capital protection. Members access services through the reserved worker area (web portal) and mobile app (Prevedi App). The fund provides online simulators for contribution planning and pension estimation, along with video guides for user education.

Differentiator

Problem solved

Functional benefit

Products and services

• Comparto Bilanciato (Balanced Investment Compartment) Balanced investment compartment with medium risk profile combining debt securities and equity instruments; targets construction workers not close to retirement (assigned up to age 55) and seeks returns above money market instruments. No capital guarantee. Achieved +126.3% cumulative net return over 2004-2025 with 3-year average net return of +6.49%.
• Comparto Sicurezza (Guaranteed Capital Investment Compartment) Capital-guaranteed investment compartment (guarantee of return of invested capital, net of fees and non-reinstated advances); targets workers near retirement or with very low risk appetite (assigned from age 55 onwards). Invests approximately 95% in short-term government bonds and 5% in listed equities. Achieved +52.51% cumulative net return over 2004-2025 with 3-year average net return of +3.61%.
• Prevedi Mobile App Mobile application for iOS and Android enabling Prevedi members to consult their pension position, view contribution details, see available anticipations, review operations history, download account statements and update contact information.
• Area Riservata Lavoratori (Worker Reserved Portal) Online reserved area for Prevedi members to access their pension position, contribution history, request anticipations and redemptions, download account statements and CU forms, with login via SPID digital identity or password.
• Contribution Simulator Online simulator hosted by Previnet that lets Prevedi members decide how much to contribute and estimate the amount they will accumulate in the fund over time.
• Pension Annuity Simulator Online tool provided by MEFOP that enables Prevedi members to estimate their life annuity at retirement.

Quantifiable outcome

• 506,000+ members making Prevedi the largest negotiated pension fund in Italy (as of October 2015)
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

13 partnerships are on record, tiered core and major.

• Fillea-CGILcoreStrategic or Co-development PartnerOne of the three founding trade union organizations of Prevedi. Fillea-CGIL represents construction workers nationally and co-governs the fund, participating in the Board of Directors and the Assembly of Delegates. Promotes the fund to its members and assists workers with enrollment and liquidation procedures.
• Filca-CISLcoreStrategic or Co-development PartnerOne of the three founding trade union organizations of Prevedi. Filca-CISL represents construction and wood workers and co-governs the fund. Actively promotes the fund to its members and assists with member services.
• Feneal-UILcoreStrategic or Co-development PartnerOne of the three founding trade union organizations of Prevedi. Feneal-UIL represents construction industry workers and co-governs the fund. Promotes the fund and helps workers with administrative procedures.
• ANCE (Associazione Nazionale Costruttori Edili)coreStrategic or Co-development PartnerNational association of construction employers and founding partner of Prevedi. ANCE represents companies in the construction sector and co-governs the fund, facilitating employer enrollment and contribution compliance.
• ANAEPA-ConfartigianatocoreStrategic or Co-development PartnerAssociation representing artisanal construction enterprises within Confartigianato, and founding partner of Prevedi. Promotes the fund to artisanal construction companies and their workers.
• CNA CostruzionicoreStrategic or Co-development PartnerCNA Costruzioni, part of CNA (Confederazione Nazionale dell'Artigianato e della Piccola e Media Impresa), is a founding partner of Prevedi representing artisanal construction enterprises.
• Casse Edili (National Network)coreChannel Partner/ Reseller/ DistributorOver 100 Casse Edili across Italy are paritary bodies jointly managed by employer and worker representatives that administer Prevedi's contributions. They collect employer payments, track worker enrollment, distribute fund communications, and assist with the automatic enrollment process. CNCE (Commissione Nazionale Paritetica per le Casse Edili) issues circulars on contribution levels.
• COVIP (Commissione di Vigilanza sui Fondi Pensione)coreOthersCOVIP is the Italian regulatory authority that supervises and regulates pension funds including Prevedi. Prevedi is subject to COVIP's oversight (www.covip.it) and is registered in the COVIP Pension Fund Registry with number 136. COVIP has issued specific instructions (Deliberazione 23 June 2026) on automatic enrollment that Prevedi must comply with.
• Previnet (Previnet S.p.A.)majorTechnology or IntegrationPrevinet provides the technological and administrative platform hosting Prevedi's reserved areas for workers, companies, and other users (fondipensione1-f.previnet.it, funds.previnet.it). The fund's web infrastructure and member portals are operated by Previnet.
• INPS (Istituto Nazionale della Previdenza Sociale)majorOthersINPS operates the Fondo di Garanzia (Guarantee Fund) which, upon worker request, pays unpaid employer contributions to Prevedi in case of employer insolvency. This protects workers from employer defaults.
• Pioneer Investment (Amundi)majorTechnology or IntegrationPioneer Investment (now part of Amundi) won the public tender in 2012 to manage the Comparto Sicurezza. The Sicurezza management contract runs until 31/12/2027. The Comparto Bilanciato is also managed by external managers selected through public tender procedures.
• ANIEM (Associazione Nazionale Imprese Edili Manifatturiere)coreStrategic or Co-development PartnerANIEM joined the Prevedi founding agreement alongside ANIER (affiliated to Confimi impresa), along with Feneal-UIL, Filca-CISL, and Fillea-CGIL, defining Prevedi as the sole negotiated pension fund for workers under the CCNL Edili-Confimi.
• Protection Trade S.r.l.majorOthersProtection Trade S.r.l. serves as the Data Protection Officer (DPO / Responsabile della protezione dei dati) for Fondo Pensione Prevedi, as required by GDPR. Contactable at [email protected] or via postal mail.

Scale indicators11 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Fondo Pensione Fonte: Fonte is the negotiated pension fund for workers in commerce, tertiary, and distribution sectors (CCNL Terziario). It is directly comparable to Prevedi as another large Italian fondo pensione negoziale founded by social partners, offering multiple compartments and supervised by COVIP, with similar distribution via unions and employer associations.
• Fondo Pensione Laborfonds: Laborfonds is the negotiated pension fund for construction and related workers in the autonomous province of Trento. It is directly comparable to Prevedi given its construction-sector focus, multi-compartment structure, and foundation by social partners under the same Italian supplementary pension framework.
• Fondo Pensione Sanimoda: Sanimoda is the negotiated pension fund for workers in the fashion, textile, and related sectors (CCNL Tessili). It mirrors Prevedi's structure as a fondo pensione negoziale established by social partners, offering balanced and guaranteed compartments under COVIP supervision with comparable automatic enrollment mechanisms.
• Fondo Pensione Cometa: Fondo Pensione Cometa is the negotiated supplementary pension fund for Italian metalworking workers (CCNL metalmeccanici), making it the closest sector-analog to Prevedi. It operates under the same COVIP regulatory framework, uses Previnet's administrative platform, and serves a comparable construction-adjacent industrial workforce via collective bargaining automatic enrollment.

Others

• COVIP: COVIP (Commissione di Vigilanza sui Fondi Pensione) is the Italian regulatory authority that supervises Prevedi and all other Italian supplementary pension funds. While not a peer in the commercial sense, it is the regulatory anchor shaping Prevedi's operating model, contribution rules, and ISC cost benchmarking framework.
• Previnet S.p.A. Previnet is the technology and administrative platform provider hosting Prevedi's web portals and member areas. It is an enabling infrastructure vendor serving multiple Italian pension funds (Cometa, Fonte, Sanimoda and others), making it thematically comparable as an ecosystem participant rather than a direct competitor.
• Amundi (Pioneer Investment): Amundi, via its Pioneer Investment subsidiary, manages Prevedi's Comparto Sicurezza under a public tender contract running until 31/12/2027. As one of Europe's largest asset managers, Amundi is an ecosystem participant and indirect comp through its broader Italian pension fund management business.

Regional players

• PensPlan Centrum S.p.A. PensPlan operates regional supplementary pension schemes in the autonomous provinces of Trento and Bolzano. While broader in scope than Prevedi, it provides a comparable model of negotiated/cooperative pension provision under Italian regulation and serves as a regional benchmark for the fondo pensione negoziale category.
• Fondo Pensione Solidarietà Veneto: Solidarietà Veneto is a regional negotiated pension fund for construction and related sector workers in the Veneto region. It competes with Prevedi in a similar niche but is geographically restricted to Veneto, providing a comparable but non-overlapping benchmark for Prevedi's sector-specific model.

Broad incumbents

• Generali Italia Assicurazioni: Generali Italia is one of Italy's largest insurance and asset management groups, offering life insurance, pension products, and open pension funds (fondi aperti) that compete indirectly with Prevedi for retirement savings. It represents a broad incumbent in the broader Italian retirement/pension market where Prevedi operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCOEqMsIcC1kNAQ2G6wt1aTQ/featured
• LinkedInlinkedin.com/company/fondo-pensione-prevedi

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Pensione Prevedi