How modern agencies arrange their pension

Paul Spronk
March 5, 2026
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Agencies and bureaus run on creativity, speed, and talent. But when it comes to pensions, many founders drop out. Too complex, too expensive, or too much administration, so they put it off. While a good pension scheme is exactly what makes the difference in this industry. Young talent compares employment conditions more and more consciously, and pensions are weighing increasingly heavily in that. Those who arrange it well have an edge in attracting and retaining good people.

Why pensions at agencies are different

Pensions for agencies require a different approach than at traditional companies. Teams are young and diverse, turnover is high, and international employees are the rule rather than the exception. An old-fashioned, collective pension scheme doesn't fit that. You want something that moves with your team, generates no paperwork, and is understandable for everyone, regardless of background or language.

Additionally, pensions simply aren't a priority at many young agencies. Dale Westdorp, founder of tech agency Miyagami, recognises this: "No one in our team was really thinking about pensions yet. We are a relatively young company where we also want to have more of an idea of flexibility and freedom." But that doesn't mean you can ignore it. "At young innovative companies, the main focus is often that it should be fun to work there. Sometimes it's overlooked that people without a pension will end up in a very difficult situation later." Miyagami looked for a modern solution and found it in Vive. Curious about the rest of Miyagami's story?

Miyagami’s pension

What agencies need

A pension scheme that fits an agency is digital, transparent, and quick to set up. No thick files and folders, no intermediaries who need weeks, no unreadable policy sheets. Employees want to see at a glance what is being built up for them and what they can expect later.

For advisors who guide agencies, this is just as relevant. The simpler the scheme is to implement and explain, the less time is spent on questions and the more trust it builds with the client.

Why Vive fits agencies and bureaus

Pensions for agencies don't have to be complicated. At Vive, everything works from one app. New employees are signed up within a working day, including international colleagues. There are no hidden costs, no start-up barriers, and no complex administration. Every employee builds up a pension in their own account with a personal investment strategy that automatically moves with the time until retirement. Want to know more about how that works? View the possibilities for pension for employees.

If someone leaves for another agency or becomes self-employed, the pension simply moves with them, without transfers or hassle. As an entrepreneur, you can also arrange your own pension as an entrepreneur via Vive. Exactly what you need in an industry where people change roles regularly.

Vive already works with dozens of agencies and bureaus in the Netherlands. Curious what it looks like for your agency? Download the pension for agencies brochure and read about all the possibilities.

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