Sp - Prevcom

What Sp - Prevcom does

Prevcom - Fundação de Previdência Complementar do Estado de São Paulo is a closed complementary pension entity (EFPC) sponsored by the São Paulo state government and regulated by PREVIC, Brazil's national supplementary pension regulator. The foundation administers supplementary pension plans for active and retired public servants, operating a portfolio of seven distinct plans: Prevcom RP (São Paulo state, RPPS-linked), Prevcom Multi (50+ municipalities), Prevcom MS (Mato Grosso do Sul), Prevcom MT (Mato Grosso), Prevcom RO (Rondônia), SP Previdência (São Paulo city), and Prevcom PA (Pará). Supporting services include the Conta Comigo financial education program (delivered via the n² mobile application), a Cashback rewards program, the Simule online retirement projection tool, and a self-service participant portal. As of June 2026, the foundation manages R$5.32 billion in assets under management, serves 56,971 active participants and 717 retirees, and reported a 12.44% trailing 12-month investment return (July 2025 – June 2026).

The business model is an AUM-based administrative fee structure typical of Brazilian EFPCs: Prevcom collects contributions from public servants and their sponsoring employers, invests the pooled patrimony across diversified portfolios, and earns revenue from administrative load fees on managed assets, with investment returns credited to individual participant accounts. Distribution combines institutional channels (sponsoring public administration bodies, the SP.GOV.BR integrated service platform, SPPREV ecosystem, and the Secretaria de Gestão e Governo Digital) with direct channels (a certified agent network, the institutional website, the participant portal, and social media presence across Instagram, YouTube, TikTok, Facebook, and LinkedIn). The foundation is structured as a non-profit organization with no external equity investors, operating under the supervision of PREVIC and holding compliance certifications including the PNPC anti-corruption seal, UNPRI responsible investment signatory status, CBS service standards certification, and LGPD data protection compliance.

Growth indicators include geographic expansion into a sixth state and 50+ municipalities, product launches (Cashback program, Conta Comigo platform), regulatory credibility (PREVIC oversight, PNPC, UNPRI), and a nomination for the Reclame AQUI 2026 customer satisfaction award. The foundation competes in a regulated market with structural entry barriers tied to PREVIC licensing and institutional sponsorship requirements.

Name

Sp - Prevcom

Legal name

Fundação de Previdência Complementar do Estado de São Paulo

Website

https://spprevcom.com.br

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Prevcom is a São Paulo state-sponsored closed complementary pension foundation (EFPC) regulated by PREVIC, managing R$5.32 billion in supplementary retirement assets across seven plans serving public servants in six Brazilian states and 50+ municipalities.

Ownership category

akta.pro rank

Headquarters

HQ city

São Paulo

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

Revenue model

1. Pension Contributions Management: Prevcom generates revenue by managing supplementary pension contributions from public servants and their sponsoring employers (public administration bodies). The foundation invests these contributions in diversified portfolios and credits returns to individual participant accounts. Revenue is derived from the administrative fee charged on the managed patrimony.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Prevcom is a closed complementary pension entity that manages multiple contributory retirement plans (Prevcom RP, Prevcom Multi, SP Previdência and affiliated plans) for São Paulo state public-sector employees and related sponsoring entities. Beyond plan administration, it offers participant-facing digital services — an online portal, a pension simulator (Simule), a financial education program (Conta Comigo) and a cashback program — to support enrollment, contribution management and retirement readiness.

Product overview

Sp-Prevcom (Fundação de Previdência Complementar do Estado de São Paulo) is a supplementary pension foundation offering a platform of multiple pension plans for public sector employees across different Brazilian states and municipalities. The portfolio includes Prevcom RP for São Paulo state employees, Prevcom Multi for various municipalities (reaching 50+ municipalities), SPPrevidência for São Paulo city employees, Prevcom PA for Pará state, Prevcom MS for Mato Grosso do Sul, Prevcom MT for Mato Grosso, and Prevcom RO for Rondônia. Supporting services include Conta Comigo (financial education via mobile app), Cashback Prevcom (spending rewards program), Simule (benefit calculator), and the participant portal. The foundation manages R$5.32 billion in assets with over 56,000 active participants and 717 beneficiaries as of June 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Prevcom RP: Pension plan for public servants of São Paulo state linked to RPPS
• Prevcom Multi
• Prevcom MS
• Prevcom MT
• Prevcom RO
• SP Previdência
• Prevcom PA
• Conta Comigo

Products and services

• Prevcom RP (pension plan)

Quantifiable outcome

• R$ 5.32 billion in assets under management (June 2026)
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core and moderate.

• PREVIC (Superintendência Nacional de Previdência Complementar)coreOthersPREVIC is Brazil's national regulator for supplementary pension entities (EFPCs). Prevcom operates as a closed complementary pension foundation regulated and supervised by PREVIC, which is part of the Brazilian Ministry of Finance. The regulatory relationship is fundamental to Prevcom's licensing and operational authorization.
• SPPREV (São Paulo Previdência)coreStrategic or Co-development PartnerSPPREV is the state pension authority of São Paulo. Prevcom works in conjunction with SPPREV as part of the São Paulo state public servant pension ecosystem, with SPPREV managing the primary RPPS regime and Prevcom managing the supplementary closed pension plan (Prevcom RP).
• Secretaria de Gestão e Governo Digital do Estado de São PaulocoreStrategic or Co-development PartnerThe São Paulo State Secretariat for Management and Digital Government provides institutional sponsorship oversight and digital governance integration for Prevcom's operations as a state-linked supplementary pension entity.
• UNPRI (United Nations Principles for Responsible Investment)moderateOthersPrevcom is a signatory to the UN Principles for Responsible Investment (PRI), indicating adherence to ESG and responsible investment standards. Prevcom publishes a Stewardship Report (Relatório de Stewardship) aligned with PRI principles.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Brasilprev: Leading open private pension provider in Brazil (PGBL/VGBL), a BB Seguridade and Banco do Brasil venture. Overlaps in supplementary retirement savings but operates as an open (not closed) entity, with broader retail distribution.

Direct peers

• Petros: Fundação Petrobras de Seguridade Social — large Brazilian EFPC for Petrobras employees. Comparable in scale, multi-plan structure, and PREVIC-regulated supplementary pension model.
• Postalis: Instituto de Previdência Complementar dos Correios — closed complementary pension foundation for ECT (Correios) employees. Operates a PREVIC-regulated EFPC model directly comparable to Prevcom's structure.
• Real Grandeza: Fundação de Previdência e Assistência Social for Furnas and Eletrobras affiliate employees. Mid-sized EFPC operating a multi-plan closed pension structure comparable to Prevcom's portfolio approach.
• Funcef: Fundação dos Economiários Federais — EFPC for Caixa Econômica Federal employees. Operates a closed complementary pension model with multi-plan offerings and a similar AUM scale category.
• CAPESESP: State-level closed complementary pension foundation affiliated with public-sector entities in Bahia. Operates a structurally similar EFPC model targeting public servants, making it a relevant comparable for Prevcom.
• FUNPRESP: Fundação de Previdência Complementar do Servidor Público Federal — the federal-level equivalent of Prevcom, providing supplementary pension plans to federal civil servants. Closest structural peer given the comparable public-servant EFPC model.
• Previ: Caixa de Previdência dos Funcionários do Banco do Brasil — one of the largest EFPCs in Brazil, serving Banco do Brasil employees. Comparable closed pension structure, multi-plan governance, and participant scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/prevcom
• YouTubeyoutube.com/channel/UCpJAc3PokNm4znjp7crahKg
• Facebookfacebook.com/Prevcom
• LinkedInlinkedin.com/company/sp---prevcom
• Instagraminstagram.com/prevcomsp

Compliance6 records

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 Sp - Prevcom