Personalisation, but this time for real

Gaining Control Over Your Financial Future

In a world where financial planning is becoming increasingly digital and personalised, it is striking that many people still rely on standard investment strategies that do not align with their unique life goals. Why would you leave your financial future to a generic plan when you can choose a solution that is fully tailored to your personal situation and ambitions?

In addition, there is a growing awareness that traditional investment models are no longer sufficient. Due to technological advancements and the availability of enormous amounts of data, it is becoming easier to provide customisation in financial planning. This offers consumers not only more control over their investments but also the opportunity to manage their assets more strategically and efficiently.

In this article, we discuss why personalisation is essential in pension and wealth management and how technology can help you gain control over your financial future. We also show how Vive distinguishes itself by going beyond traditional investment strategies.

What is personalisation and why is it important?

Personalisation in financial planning means more than just adjusting a few preferences. It gives you control over your financial future. You set your own goals, adjust them when your life changes, and receive an investment strategy specifically tailored to your situation. This leads to better financial decisions and a plan that grows with you.

A major advantage of personalisation is that it minimises uncertainties. When a financial plan is tailored to your unique situation and goals, risks are better managed and opportunities can be optimally exploited. Whether you want to retire earlier, build up capital for a major purchase, or simply plan your financial future better – a personalised approach makes a world of difference.

Innovation and Technology: The Power Behind Personalisation

Innovation is central to Vive. By using advanced technologies such as artificial intelligence (AI) and data analysis, we create a personalised investment strategy that exactly matches your financial goals. This offers more than a generic approach; it enables you to think ahead financially.

The Rise of AI-Driven Planning

Technological innovation is rapidly changing the financial sector. AI and machine learning are playing an increasingly important role in pension planning and wealth management. Recent studies show that the adoption of AI in financial services has risen from 45% in 2022 to an expected 85% in 2025. This means that more and more pension funds and fintech companies are using algorithms to personalise and optimise investment strategies.

AI- and data-driven robo-advisors, such as Betterment, Wealthfront, and Vive (yes, us too!) analyse customers' goals, risk tolerance, and financial situation to offer customised investment strategies. This lowers costs and ensures that investors receive advice that accurately meets their unique needs.

In addition, AI makes it possible not only to make predictions but also to make real-time adjustments. This means that your investment strategy can dynamically move with market developments and economic fluctuations. As a result, risk is better managed, and returns can be optimised.

Personalisation in Practice: How Does It Work?

Personalisation in pension planning and wealth management has various applications:

1. Dynamic pension accrual
   • AI-driven systems continuously analyse your financial situation and advise on the optimal contribution to keep your pension on track.
2. Customised risk management
   • Thanks to advanced data analysis, personalised strategies can automatically adjust the risk profile to market conditions and life stages.
3. Simulating 'What-if' scenarios
   • Interactive tools show how choices – such as retiring earlier or saving extra – influence your financial future.
4. Automatic rebalancing of investments
   • AI monitors the market and adjusts your portfolio so that it remains optimally aligned with your investment goals.
5. Optimisation of tax advantages
   • Through smart tax planning, AI systems can find ways to maximise fiscal advantages and increase your net return.

Better Investment Decisions and Results

A personalised investment strategy leads to better results. AI processes enormous amounts of data to reduce investment risks and optimise returns. Studies show that investors who use data-driven strategies achieve average 5-8% higher returns than those who stick to standard portfolios.

Furthermore, AI ensures higher engagement. Interactive dashboards and real-time updates enable investors to closely monitor their progress and make timely adjustments. This not only increases returns but also makes financial planning more accessible and insightful.

In addition, personalisation ensures that investors feel better about their investments. Instead of a one-size-fits-all strategy, they see how their capital directly contributes to their long-term goals. This increases motivation and confidence in the chosen strategy.

Sustainable Investing: A Future-Focused Choice

At Vive, we look beyond mere financial return. We integrate socially responsible investment options into our strategies, so you are not only working on your own financial future but also contributing to a more sustainable world. Our investment funds are carefully selected based on their impact on the environment and society, without compromising returns.

Sustainable investing is becoming increasingly important for investors. Not only due to ethical considerations but also because sustainable companies often deliver more stable performance in the long term. AI plays a key role here by identifying which companies genuinely operate sustainably and which only engage in 'greenwashing'.

How Does Vive Distinguish Itself?

Personalisation is a trend within the financial world, but how does Vive distinguish itself from other providers?

1. Fully customised strategies – No generic investment products, but plans tailored to your life stage, goals, and risk profile.
2. AI-driven optimisation – Automatic adjustments and smart analyses ensure you always achieve an optimal return.
3. User-friendly tools – Interactive simulations and real-time monitoring help you maintain control over your financial future.
4. Sustainable and future-focused – Our investment strategies combine socially responsible investing with solid returns.
5. Continuous optimisation – Thanks to AI, your strategy remains up-to-date and relevant, even as your life circumstances change.

Take the First Step Today

Personalisation is not just a luxury but a necessity for anyone who takes their financial future seriously. By focusing on your own goals and following a strategy specifically tailored to you, you can secure and optimise your financial future.

Would you like to know what your personal pension plan could look like? Contact Vive for a non-committal demo or start directly with our online tool and discover which strategy suits you best!

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