Previcoke Previdência Privada

What Previcoke Previdência Privada does

Previcoke Previdência Privada is a non-profit closed private pension entity (Entidade Fechada de Previdência Complementar, EFPC) founded in 1988 and headquartered at Praia de Botafogo, 374, 10° andar, in the Botafogo neighborhood of Rio de Janeiro, Brazil. Registered under CNPJ 32.210.759/0001-95, the entity administers defined contribution pension plans (Plano CD and Plano CD II) exclusively for employees of its sponsoring companies (Patrocinadoras), which are entities within the Coca-Cola group operating in Brazil. The entity operates under the regulatory oversight of PREVIC (Superintendência Nacional de Previdência Complementar), the Brazilian supplementary pension regulator, and uses a Coca-Cola-domain email ([email protected]) for customer service.

The core technology stack is a web-based participant management platform built around the Smartprev participant portal (smartprev.previcoke.com), an integrated Simulador de Benefícios (real-time benefit simulation tool), and the 'Educar para o Futuro' sub-brand — a financial and pension education platform providing articles, calculators, tests, and glossaries. Participant-facing delivery occurs through the Smartprev authenticated portal, email/chat via restricted access, and a Central de Atendimento operating weekdays 9:00–18:00. Additional participant services include a personal loan product (Empréstimo Pessoal) restricted to BD and CD plan participants, an income statement generator (Informe de Rendimentos) for former participants, and a co-branded technology relationship with Prevlogic visible on the website footer.

The business model is structured as a closed non-profit EFPC. Revenue is derived from mandatory and voluntary participant contributions plus employer (patronais) contributions, with surpluses restricted to covering administrative costs and funding pension benefits rather than returning profit to shareholders. The GTM motion is enterprise-field-sales by construction: enrollment occurs through HR departments of Coca-Cola-affiliated sponsoring companies, with Plano CD II offering open enrollment to all collaborators of sponsors. The tax-incentive value proposition (contributions deductible from income tax up to 12%) is the primary demand-generation lever, supported by educational content marketing through the Educar para o Futuro platform. There is no external customer acquisition channel and no retail distribution.

Name

Previcoke Previdência Privada

Legal name

PREVICOKE - Sociedade de Previdência Privada

Website

https://previcoke.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Previcoke Previdência Privada is a non-profit closed Brazilian pension entity (EFPC) founded in 1988 in Rio de Janeiro, administering defined contribution plans (Plano CD and Plano CD II) exclusively for employees of Coca-Cola group sponsoring companies under PREVIC regulation.

Ownership category

akta.pro rank

Product category

Private Pension Administration

NAICS

Pension Funds (525110), Pension Funds (52511), Finance and Insurance (52)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Services-Educational Services (8200)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

akta.pro secondary industry

Family & Life-Stage Financial Planning (Marriage, Kids, Caregiving) (EDAAAJAM)

Keywords

• Supplementary pension plans
• Defined contribution pension
• Private pension administration
• Employer-sponsored retirement
• Closed pension fund

Headquarters

HQ city

Rio de Janeiro

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, Others

Revenue model

1. Pension Contributions: Previcoke generates revenue through mandatory and voluntary contributions from plan participants (employees of sponsoring companies) and patronais contributions from sponsors. As a non-profit entity, revenues are used exclusively to cover administrative costs and fund pension benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Previcoke is a non-profit closed supplementary pension entity (EFPC) that administers Defined Contribution pension plans (Plano CD and Plano CD II) on behalf of employees of its sponsoring companies (Patrocinadoras, primarily Coca-Cola group entities). It collects recurring employee and employer (patronal) contributions, invests and administers the funds under PREVIC oversight, and delivers retirement, survivor, and disability benefits. Complementary offerings include personal loans to participants, a benefit simulator, the Smartprev participant portal, and the Educar para o Futuro financial education platform.

Product overview

Previcoke is a non-profit private pension entity (EFPC - Entidade Fechada de Previdência Complementar) that administers supplementary pension plans for employees of its sponsoring companies. The core product portfolio consists of two main pension plans: Plano CD (Contribution Defined) and Plano CD II, both offering long-term retirement savings with tax benefits. Supporting services include personal loans for plan participants, real-time benefit simulation tools, and the Smartprev participant portal for account management. The company also operates 'Educar para o Futuro,' a comprehensive financial and pension education platform providing educational content, calculators, tests, and glossaries to help participants make informed retirement planning decisions.

Differentiator

Problem solved

Functional benefit

Brands

• Educar para o Futuro: Financial and pension education platform providing articles, simulators, tests, and educational content about personal finance and retirement planning.

Products and services

• Plano CD (Plano de Benefícios CD Previcoke)
• Plano CD II Defined Contribution supplementary pension plan open to all employees of Previcoke's sponsoring companies, providing long-term retirement income accumulation with tax-deductible contributions.
• Empréstimo Pessoal Personal credit line available to participants of Plano BD and Plano CD plans for financial organization and emergency liquidity needs, offered at preferential terms tied to plan participation.
• Educar para o Futuro

Quantifiable outcome

• Tax deductions up to 12% of income tax for plan contributions

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Coca-Cola (Patrocinadoras)coreStrategic or Co-development PartnerCoca-Cola group companies serve as sponsoring employers (Patrocinadoras) of Previcoke's pension plans. Employees of these companies are eligible to participate in Previcoke's Plano CD and Plano CD II pension plans. The sponsorship arrangement forms the core business relationship upon which Previcoke operates as a closed complementary pension entity.
• PREVIC (Superintendência Nacional de Previdência Complementar)coreOthersPREVIC is the Brazilian regulatory body overseeing supplementary pension entities (EFPCs). As a government regulator, PREVIC supervises Previcoke's operations, ensuring compliance with pension regulations and protecting participant interests.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Direct peers

• Sistel: Sistel is a Brazilian closed pension fund serving employees of telecom-sector companies. Comparable to Previcoke in EFPC regulatory status and corporate-sponsor participant model.
• Petros: Petros is the closed pension fund for Petrobras employees, operating CD and BD plans under PREVIC oversight. Comparable to Previcoke in EFPC structure, defined-contribution offerings, and exclusive employer-sponsored participant model.
• Real Grandeza: Real Grandeza is the EFPC for Eletrobras group employees, providing defined benefit and defined contribution plans plus participant loans. Structurally parallel to Previcoke as a sponsor-tied closed fund.
• PREVI: PREVI is one of Brazil's largest closed pension funds (EFPC), serving Banco do Brasil employees with defined contribution and defined benefit plans. It is a direct structural peer to Previcoke as a corporate-sponsor-anchored EFPC with similar regulatory status under PREVIC.
• Valia: Valia is the closed pension fund for Vale S.A. employees, offering CD plans and supplementary benefits under PREVIC. Direct comparability to Previcoke in being a single-sponsor EFPC with employee-exclusive participation.
• FUNCEF: FUNCEF administers pension plans for Caixa Econômica Federal employees. It mirrors Previcoke's closed-fund, sponsor-anchored model and is regulated by the same PREVIC framework, with parallel product structures including loans to participants.

Regional players

• PREVIC (Superintendência Nacional de Previdência Complementar): PREVIC is the Brazilian federal regulator overseeing all EFPCs including Previcoke itself. Listed as a comparable ecosystem participant rather than a competitor; included to reflect the regulatory counterpart that defines Previcoke's operating framework.

Broad incumbents

• Brazilprev: Brazilprev is one of Brazil's largest open private pension providers, offering PGBL/VGBL products broadly to retail and corporate clients. Comparable product category to Previcoke (complementary pension) but operates open-fund rather than closed-fund, competing for the same participants indirectly.
• Icatu Seguros: Icatu is a major Brazilian insurance and private pension provider offering PGBL/VGBL and corporate pension solutions. Comparable in retirement-product delivery and tax-advantaged contribution mechanics, but with a much broader portfolio and open-fund distribution.

Others

• Prevlogic: Prevlogic is a technology provider for Brazilian pension funds and appears on Previcoke's own website footer, indicating an infrastructure/administrative software relationship. Comparable as an enabling technology peer serving the EFPC ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/previcoke

Revenue estimate

Valuation estimate

Number of profiles

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 Previcoke Previdência Privada