Vive's mission is to give everyone the opportunity to make money work for them. We do this in a simple, personalised way for every person. We do this by creating personal investment strategies for each person. At Vive, you can do this for your own goals (goal-based investing), for asset management, and for the future (pension investing).

This way, we ensure that you have the opportunity to grow your money for different phases in your life.

Vive has built an advanced financial model based on ALM (Asset Liability Model) with which we create a personalised investment strategy per person, for every goal, asset management or pension account. This investment strategy is created and tested based on thousands of economic scenarios.

The best route emerges from these tests and that is what you receive as your investment strategy. Should your situation, the market's, or the world's change, your strategy will automatically adapt. You can find more information about the financial model under "tools."

Vive does not charge separate transaction fees for depositing or withdrawing money to invest. However, fees are charged by the funds in which Vive invests. These costs can vary from 0.04 - 0.09% of the total amount.

These costs are settled with the deposit when a purchase takes place. It is a spread because it can go up or down based on purchases or sales in the fund.

Vive's costs can be found on the rates page.

Entry and exit charges are the costs that an investment fund levies for buying or selling various financial products such as shares, bonds, et cetera. In the case of Vive, if a transaction takes place, costs are charged by the funds. These costs go to the funds themselves. Vive does not charge any transaction costs.

Vive's costs can be found on the rates page.

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You can find Vive's costs on the rates page.

Vive ensures that your investment strategy is entirely built around you. This means that, depending on your stage of life and your financial situation, your investment strategy will be adjusted. This is how Vive personalises your investment strategy.

Here you can read more about the financial model and personalisation.

The difference between Vive and collective pension is summarised briefly:

Collective pension offers risk-sharing and guarantees, but comes with mandatory participation, complex administration, and less flexibility. Continuous costs can also increase based on choices made in the scheme.

Vive’s (pension) annuity solution is optional, quick to set up, fully flexible and transparent, with lower costs and minimal administrative burden. This allows you as the employer to maintain control and offer your team their own responsibility and freedom of choice for their pension.

Vive can never guarantee the return on goal-based investments, asset management, or pension returns. What we can do is make estimates of returns over several years to express an expectation.

Making these estimates is particularly important for setting a pension expectation, for example, what your accrual and payout will be at retirement date. Ultimately, the result may vary due to market fluctuations and personal choices.

If you wish to view our historical returns, you can do so on the returns page under "tools."