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Pension and wealth belong together, but are arranged separately everywhere: fragmented, opaque and complex. Vive brings them together in one app, so you get a grip on today's money for later. We call that toekomstgeld.

Concretely that means: a personal investment strategy for everyone, whether you invest for your pension, a goal or your wealth. Not a standard model portfolio, but a plan that moves with your life. More on about us.

The financial model is the engine behind every account. Based on ALM (Asset Liability Model) it builds an investment strategy per person and per goal, tested against thousands of economic scenarios.

Those tests produce the route with the best balance between return and certainty, and that becomes your strategy. If your situation, your goal or the market changes, the model adjusts the strategy automatically. Read the full financial model.

Vive charges no transaction costs for buying or selling your investments, and no deposit or withdrawal fees either.

The funds themselves do incur costs when trading within the fund. These are settled in the fund price and go to the fund, not to Vive. On large inflows or outflows swing pricing may apply; see the swing factors per fund. Current percentages are on the pricing page.

Vive itself charges no entry or exit costs. What does exist are costs the fund incurs when buying or selling underlying holdings; these are built into the fund price.

That mechanism is called swing pricing: on large inflows or outflows the entering or exiting investor bears those costs, so remaining investors are not affected. With regular contributions this averages out over time. See the swing factors per fund or the pricing.

Fund costs are the costs the underlying investment funds charge themselves for management, administration and custody. They go to the fund, not to Vive, and are settled in the fund price.

They consist of ongoing charges (OCF) and transaction costs within the fund. Vive does not invest in funds charging a performance fee. Swing pricing may also apply on large inflows or outflows; the swing factors per fund are in the documents. Current percentages are on the pricing page.

Your strategy is built around you, not picked from a list of model portfolios. We look at your age, your financial situation, your horizon, your goal and your sustainability preferences. Our model determines the investment mix from there.

If something changes in your life or your goal, the strategy adjusts automatically, and towards your retirement date we reduce risk step by step. Read more about the financial model or the article personalisation, for real this time.

In short:

• Collective (2nd pillar): shared risks, sometimes guarantees, but mandatory participation, more complex administration and less flexibility. Changes require consent.
• Vive (3rd pillar): optional, quick to set up, flexible in who takes part and how much you contribute, with low administrative burden. The participant carries the investment risk and there are no guarantees.

So it is not better or worse, but a different trade-off between certainty and flexibility. Read collective versus individual pension.

Vive cannot guarantee returns. What we do is produce estimates based on thousands of economic scenarios, so you see a range rather than a single figure.

You mainly use that estimate to work out how much to contribute to reach your goal or pension income. The actual result depends on market developments and your own choices. Historical figures are on the returns page. Past performance is no guarantee of future results.