# PREVUNISUL

PREVUNISUL is a Pension Fund based in Tubarao, Brazil.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** Tubarao, Brazil
- **Region:** South America
- **Address:** Rua Vigário José Poggel, 500, Sala 103, Bairro Dehon, Tubarão, Santa Catarina, Brazil
- **Founded:** 2005
- **Assets under management:** Undisclosed
- **Website:** prevunisul.com.br
- **LinkedIn:** https://www.linkedin.com/company/prevunisul

## Regulatory record

- **Reports private funds:** No

## About

PREVUNISUL launched in 2005 as the pension vehicle for Universidade do Sul de Santa Catarina (Unisul), with Tarcisio dos Santos Junior as Superintendent Director and José de Oliveira Ramos as Administrative and Financial Director. The fund operates as a multi-sponsored closed entity, meaning it creates and manages supplementary pension plans specifically for the employees of its corporate sponsors, primarily Unisul itself. Its investment posture flows through two distinct plans. The legacy UnisulPrev is a defined-benefit plan originally administered by BB Previdência until its transfer to PREVUNISUL, with all member rights preserved. The active UniPrev plan is a defined-contribution structure where participants build individual retirement reserves while the sponsor covers risk benefits — survivor pensions and disability — separately. The portfolio is deployed across Brazilian fixed-income instruments: corporate debentures, Certificados de Recebíveis Imobiliários (CRI), Certificados de Recebíveis do Agronegócio (CRA), and Letras Financeiras. Geographic exposure remains entirely domestic. Oversight includes representation from Fundação InoversaSul on the Deliberative Council. PREVUNISUL is a member of both Abrapp, the national association for closed pension funds, and ASCPrev, the regional pension association for the state of Santa Catarina. In 2025 the fund celebrated its 20th year of operations while managing the migration of the legacy UnisulPrev plan through regulatory approval at Previc, the national pension supervisor. Structurally, PREVUNISUL departs from open-market Brazilian pension funds by remaining closely tied to a single university ecosystem. Its governance embeds both the founding sponsor and a second sponsoring foundation, Fundação InoversaSul, directly into the Deliberative Council — a architecture that keeps investment decision-making aligned with the academic employer's liabilities rather than a market-facing product shelf.

## Sectors

- Private Credit
- Real Estate
- Infrastructure

## People

- Tarcisio dos Santos Junior — Diretor Superintendente
- José de Oliveira Ramos — Diretor Administrativo e Financeiro

## Questions

### Who runs investment decisions at PREVUNISUL?

The executive leadership includes Tarcisio dos Santos Junior as Superintendent Director and José de Oliveira Ramos as Administrative and Financial Director. The Deliberative Council, which includes representation from sponsor Fundação InoversaSul, provides governance oversight on investment policy and plan administration.

### What type of pension plans does PREVUNISUL offer?

PREVUNISUL operates two plans. UnisulPrev is a legacy defined-benefit plan originally administered by BB Previdência, with member rights unchanged after the transfer. UniPrev is an active defined-contribution plan where participants build individual retirement savings, while the sponsor separately funds risk benefits covering death and disability.

### How is PREVUNISUL related to Unisul and Fundação InoversaSul?

Unisul (Universidade do Sul de Santa Catarina) is the primary founding sponsor and the employer whose workforce constitutes the plan participants. Fundação InoversaSul is a second sponsoring entity represented on the Deliberative Council, sharing governance responsibilities over the pension fund.

### What asset classes does PREVUNISUL invest in?

The known investment portfolio is concentrated in Brazilian credit instruments. Holdings include corporate debentures, Certificados de Recebíveis Imobiliários (real estate receivables certificates), Certificados de Recebíveis do Agronegócio (agribusiness receivables certificates), and Letras Financeiras (financial bills). The fund's exposure is entirely domestic.

### What regional and national associations does PREVUNISUL participate in?

PREVUNISUL is a member of Abrapp, the Brazilian national association for closed supplementary pension entities, and ASCPrev, the Santa Catarina state-level association of pension funds. Through ASCPrev the fund also participates in 'A Escolha Certa,' a joint financial and retirement education program run by 13 closed entities in the state.

## Related profiles

- [Prevunião](https://altss.com/profile/prevuniao)
- [PRhosper](https://altss.com/profile/prhosper)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/prevunisul

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