Global Banking & Finance Review interview Aldo Tembe, Managing Director of Moçambique Previdente SGFP, S.A. to find out about the pension fund industry in Mozambique and Moçambique Previdente SGFP, S.A. and. Moçambique Previdente was the 2014 award winner for Best New Pension Fund Management Company Mozambique. Visit Moçambique Previdente
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The Pension Fund Industry in Mozambique
Published by Uma Rajagopal
Posted on March 21, 2015
1 min read· Last updated: March 4, 2019
Key Takeaways
- Mozambique’s pension fund industry is nascent, covering only around 7% of the population and totaling about USD 850 million in assets.
- Moçambique Previdente, founded in 2013, was the country’s first private pension fund manager, offering customized solutions and growing rapidly.
- Pension fund deposits in banks declined significantly in 2025, as funds shift toward long‑term capital markets.
- Regulation ensures fund safety, with oversight by ISSM and mandatory supervisory commissions for each pension fund.
References
- The Pension Fund Industry in Mozambique – Global Banking & Finance Review
- The private pension fund industry in Mozambique is small but developing – World Bank
- BdM: Pension Fund Deposits Fell to $42 Million in the First Half of 2025 – 360 Mozambique
- Moçambique Previdente’s assets and participants – Savana
Frequently Asked Questions
How large is Mozambique’s private pension fund sector?
It covers only about 7% of the population with assets around USD 850 million (about 5% of GDP).
Who is Moçambique Previdente?
Mozambique’s first private pension fund manager, founded in 2013, offering tailored pension solutions and managing growing assets and participants.
Why are pension fund deposits in banks falling?
Deposits fell in H1 2025 by nearly 20%, as funds redirected investments toward long‑term capital markets for better alignment with liability profiles.
How are pension funds regulated in Mozambique?
They are regulated by ISSM under ministerial decrees and require independent supervisory commissions to oversee investment and financial health.
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