All answers
in one conversation
A no-obligation expert consultation,
that helps you and your staff move forward.
A no-obligation expert consultation, to help you start building the pension you actually deserve.
Every week, we help dozens of individuals take control of their pension — on their own terms. Instead of putting it off because it feels complicated, or not knowing which option is right for your situation, we give you a clear and honest picture in just 30 minutes.
Personal pension planning made simple
A personal conversation tailored to you
More clarity in 30 minutes than hours of research
All your questions answered by our pension experts
Questions? Our experts are ready to help.
Book an appointment
Ready to stop putting it off and start building something for your future? Get to know Vive with a free, no-obligation consultation — and discover what a personal pension could look like for you.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
How long does the conversation last?
Around 30 minutes. In that time we briefly cover the Dutch pension landscape, your situation and what you already have in place, and what Vive can concretely do, including costs and onboarding.
There is room for questions to a pension expert, with no obligation. Book via schedule an appointment.
What is discussed during the appointment?
In roughly 30 minutes we cover three topics:
- A short overview of the Dutch pension landscape: which pillars exist and where Vive sits.
- Your situation: what you have in place, what you run into and what you want to achieve.
- The practical side: costs, onboarding and what to expect from the service.
There is room for questions to a pension expert, with no obligation. Book via schedule an appointment.
How does Vive protect my assets?
Through statutory asset segregation. Your investments are held in your name at an independent custodian, fully separated from Vive's own assets. Vive manages your portfolio but has no access to the money itself. If Vive were to fail, your investments would not form part of the bankrupt estate and you could transfer them to another provider. The AFM supervises compliance with this. More about our licence on about us.
What are the benefits of pension investing?
Four advantages over ordinary saving or investing:
- Deduction. Your contribution is deductible from your taxable income within your jaarruimte and reserveringsruimte.
- No box 3. During the accrual phase your pension capital does not count towards wealth tax.
- Deferred taxation. You only pay tax once the benefit starts, often at a lower rate.
- Return. Over a long horizon, investing generally offers more growth potential than saving.
Against that, your money is locked until your retirement date and the value can fall. Also read the drawbacks of pension investing.
What makes Vive suitable for SME pensions?
SMEs are not a homogeneous group: an agency of eight has different needs from a growing company of fifty. Vive lets you shape the scheme at your own pace, with no mandatory collective and no minimum number of participants.
You decide who takes part and how much you contribute, and adjust monthly as you grow. Administration runs via the employer portal and your regular payroll. See pension for employees or read 3 practical pension management problems for HR.
What exactly does Vive offer as a pension scheme?
A third-pillar lijfrente arrangement, where every participant has their own account in their own name. Concretely you get:
- A personal investment strategy per participant, moving with age and retirement date.
- An employer portal to manage participants, contributions and reporting.
- An app where employees see their accrual and projection.
- Onboarding for your team, online or on site, and a dedicated customer success manager.
- Full flexibility in who takes part and how much you contribute.
See the full setup on pension for employees or request the brochure.