Previplan Sociedade De Previdencia Privada

What Previplan Sociedade De Previdencia Privada does

Previplan Sociedade de Previdência Privada is a Brazilian closed private pension entity (Entidade Fechada de Previdência Complementar — EFPC) founded in 1986, headquartered in São Paulo at Avenida Roque Petroni Júnior in the Jardim das Acácias district. Operating under the regulatory oversight of PREVIC, it administers the Plano Previplan, a retirement savings plan exclusively available to employees of sponsoring companies (patrocinadoras). Participants select among three investment profiles — Conservador (Conservative), Moderado (Moderate), and Agressivo (Aggressive) — with reported monthly and 12-month returns disclosed on the corporate website. The entity also extends participant loans at 1.00% per month for up to 36 installments.

The offering stack comprises a web-based participant portal (Área do Participante), iOS and Android mobile applications, fiscal and basic contribution simulators, and a content layer that includes financial and pension education, monthly bulletins, and a glossary. Distribution is indirect through employer sponsors: employees enroll via their HR department and contribute through payroll deduction, with voluntary contributions (via payroll) and sporadic contributions (via bank slip, minimum 2.5 UPPs) available thereafter. Marketing channels include the corporate website, WhatsApp community, Facebook, Instagram, and email bulletins. The entity is non-profit, organized as a civil society under Brazilian law, with a Deliberative Council and Board of Directors in line with standard EFPC governance.

Revenue is not publicly disclosed. The two principal revenue mechanics are net investment returns on participant balances and interest income from participant loans. With reported headcount of 1-10, the operating entity itself is small; the entity recently launched a WhatsApp community and is executing a 40-year anniversary campaign (#Previplan40Anos). Concurrently, two sponsoring relationships — Beraca and the CCPN convenant — are in formal withdrawal, indicating active restructuring of the sponsorship base. The entity is LGPD-compliant and is a member of the Brazilian association of closed pension entities (ABRAPP).

Name

Previplan Sociedade De Previdencia Privada

Legal name

Previplan - Sociedade de Previdência Privada

Website

https://previplan.com.br

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

1–10 employees

Short description

Previplan is a Brazilian closed private pension entity (EFPC) founded in 1986 in São Paulo, administering a multi-profile retirement plan for employees of sponsoring companies, with participant loans and financial education services.

Ownership category

akta.pro rank

Product category

Private Pension Management / Retirement Planning

NAICS

Pension Funds (525110), Pension Funds (52511), Funds, Trusts, and Other Financial Vehicles (525), Insurance and Employee Benefit Funds (5251)

SIC

Finance Lessors (6172)

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

Keywords

• Private pension plans
• Retirement savings
• Complementary pension fund
• Investment profile management
• Financial education

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: Previplan generates revenue through participant contributions including basic contributions, voluntary contributions (for active employees via payroll deduction), and sporadic contributions (via bank slip for all participants with minimum of 2.5 UPP). Contributions are invested according to each participant's chosen investment profile.
2. Loan Interest Income: The entity provides loans to participants with interest rates of 1.00% per month, with repayment terms of up to 36 monthly installments. Interest income from these loans constitutes a revenue stream.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Previplan is a closed private pension entity (EFPC) that administers the Plano Previplan, a complementary retirement savings plan for employees of sponsoring companies. The plan offers three investment profiles (Conservative, Moderate, Aggressive), participant loans at 1.00% per month over up to 36 installments, voluntary and sporadic contribution options, and financial/pension education resources. The entity is regulated by PREVIC and operates as a non-profit civil society under Brazilian law.

Product overview

Previplan is a private pension entity (Entidade Fechada de Previdência Complementar) offering the Plano Previplan, a retirement savings plan for employees of sponsoring companies. The core product is a pension plan with three investment profiles (Conservative, Moderate, and Aggressive). The offering includes loan services for participants, contribution simulators (basic and tax incentive), and multiple contribution options (basic, voluntary, and sporadic). Educational resources including financial guides, glossaries, and monthly bulletins support participant understanding. Mobile applications for iOS and Android provide participant account access.

Differentiator

Problem solved

Functional benefit

Products and services

• Plano Previplan (Previplan Plan) A private pension plan offering retirement and savings benefits for employees of sponsoring companies, with multiple investment profile options and tax deduction benefits up to 12% of taxable income.
• Perfis de Investimento (Investment Profiles) Three investment profile options - Conservador (Conservative), Moderado (Moderate), and Agressivo (Aggressive) - allowing participants to choose risk tolerance levels for their pension contributions.
• Empréstimo (Loan) Loan service for plan participants with up to 36 monthly installments and interest rate of 1.00% per month, providing liquidity access to participants.
• Simulador de Contribuição Básica (Basic Contribution Simulator) Simulation tool allowing participants to calculate and plan their basic pension contributions to optimize their retirement savings strategy.
• Simulador de Incentivo Fiscal (Tax Incentive Simulator) Fiscal benefit simulator that helps participants understand how pension contributions can be deducted up to 12% from taxable income for income tax purposes.
• Contribuição Voluntária (Voluntary Contribution) Additional voluntary contribution option for active participants to increase their pension savings through payroll deduction.
• Contribuição Esporádica (Sporadic Contribution) One-time contribution option for all participants with a minimum of 2.5 UPPs (pension units) via bank slip payment.
• Educação Financeira e Previdenciária (Financial and Pension Education) Educational content including financial guides, glossaries, monthly bulletins, and simulators to help participants understand pension planning and retirement savings.
• Aplicativo Previplan (Previplan Mobile App) Mobile application available on iOS and Android platforms for participants to access their pension accounts, monitor balances, and manage contributions on mobile devices.

Quantifiable outcome

• Participants can deduct up to 12% of taxable income annually through pension contributions
• +1 more outcomes

Segments3 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

Four partnerships are on record, tiered minor and core.

• BeracaminorOthersBeraca is a sponsor company (patrocinadora) whose employees participate in the Previplan pension plan. A communication was issued regarding Beraca's withdrawal process from the plan (Processo de Retirada da Patrocinadora Beraca).
• CCPNminorOthersCCPN is referenced in a communication regarding the withdrawal process from the convenant (Processo de Retirada Convênio CCPN).
• PREVIC (Superintendência Nacional de Previdência Complementar)coreOthersPREVIC is the regulatory body overseeing closed private pension entities in Brazil. Previplan operates under PREVIC supervision as required by Brazilian law.
• ABRAPP (Associação Brasileira das Entidades Fechadas de Previdência Complementar)coreOthersABRAPP is the Brazilian association of closed pension entities. Previplan is likely a member and aligns with ABRAPP guidelines and standards.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• PREVI (Caixa de Previdência dos Funcionários do Banco do Brasil): Brazil's largest closed private pension entity (EFPC) serving Banco do Brasil employees. Operates under the same PREVIC regulatory framework as Previplan and offers multi-profile investment plans, loans, and participant portals, providing a large-scale analogue to Previplan's closed pension model.
• PETROS (Fundação Petrobras de Seguridade Social): Major Brazilian EFPC serving Petrobras employees with multiple benefit plans and investment profiles. Highly comparable closed-fund architecture, PREVIC supervision, and participant-centric digital services mirror Previplan's operating model at significantly larger scale.
• VALIA (Fundação Vale do Rio Doce de Seguridade Social): Closed pension entity serving Vale S.A. employees, offering defined contribution and benefit plans with multi-profile investment options. Operates under identical EFPC regulatory framework with similar participant services, comparable to Previplan in product architecture.
• Brasilprev Seguros e Previdência: Brazil's largest open private pension entity (PGBL/VGBL products), a joint venture between Banco do Brasil and Principal Financial. Although operating in the open segment rather than closed, it competes for the same retirement savings wallet that Previplan's participants access, making it the dominant competitive benchmark.
• FUNCEF (Fundação dos Economiários Federais): Large closed pension entity serving Caixa Econômica Federal employees, regulated by PREVIC. Comparable product structure (multiple investment profiles, participant loans, financial education) makes it a relevant incumbent peer for Previplan's positioning within the EFPC ecosystem.
• Icatu Seguros: Major Brazilian insurer with significant open private pension (PGBL/VGBL) operations. Competes for retirement savings through tax-advantaged products comparable to Previplan's 12% deduction benefit, though distributed via open channels rather than employer sponsorship.
• SulAmérica Previdência: Open pension provider from SulAmérica Seguros, offering PGBL/VGBL products with multi-profile investment options. Competes for the same retirement savings pool as Previplan's EFPC through tax-advantaged private pension plans distributed via open channels.
• Bradesco Vida e Previdência: Open pension and life insurance arm of Bradesco, one of Brazil's largest financial conglomerates. Offers tax-deductible retirement savings products directly comparable to Previplan's value proposition, representing a major competitive incumbent for participant retention and new entrant sponsors.

Direct peers

• Real Grandeza (Fundação de Previdência e Assistência Social): Closed EFPC serving Furnas and Eletrobras-affiliated employees, similar mid-to-large scale within the EFPC universe. Comparable multi-profile pension structure, loan products, and participant engagement model make it a closer peer for Previplan than the largest EFPCs.
• CAPEF (Caixa de Previdência e Assistência dos Funcionários do BNDES): Mid-sized closed EFPC serving BNDES employees. Operates with similar multi-profile investment structure and participant services under the same PREVIC regulatory framework, making it a closely comparable size-tier peer to Previplan within the EFPC universe.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookpt-br.facebook.com/previplan.previdencia
• Instagraminstagram.com/previplan.previdencia
• LinkedInlinkedin.com/company/previplan-sociedade-de-previdencia-privada

Compliance1 record

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 Previplan Sociedade De Previdencia Privada