Starting to invest: your first steps with Vive

At Vive, we believe that investing should be simple and accessible to everyone. Whether you are investing for the first time or already have some experience, we make the process clear and even a little enjoyable. In this blog, we guide you step by step through the process of starting to invest with Vive, so you can confidently begin building your financial future.

How do you start investing with Vive?

With Vive, you take your first steps in the investment market quickly and easily. Here is how it works:

1. Open an investment accountDownload the Vive app or go to our website and open your investment account within minutes. The registration process is simple and straightforward. You will answer a few questions and complete identity checks (legally required), but we explain everything clearly.

‍Example: Imagine you have just started your first job and want to start saving and investing for the future right away. You download the Vive app and have your account created in no time. The process is simple, and everything is explained step by step, so you know exactly what to do.

2. Choose your investment profile or goal planEvery investor is different. In the Vive app, new users answer a few simple questions about their goal, financial situation, and how much risk they can handle. After that, you can choose a strategy: do you want to grow your capital, keep it constant, or invest towards a specific goal? Based on your choice and your previously answered questions, we will create a suitable investment profile for you. Depending on these choices, we will set up a profile that invests for you, which can range from defensive (more cautious, more bonds) to offensive (daring, more equities), and options in between.

‍Example: You are looking for a balanced approach: you want growth, but not too much risk. In the app, you indicate your view on risk and what your goal is. Vive then suggests a profile for you, for example, “Neutral” or "Offensive."

3. Make your first depositTime to invest money. You can transfer a one-off amount and, if you wish, immediately set up an automatic periodic deposit (e.g., monthly). This way, you slowly but surely build towards your future. You do not have to make difficult choices about which shares or funds to buy yourself – Vive does that for you, matching your profile.

‍Example: You decide to invest €500 as a starting amount and also set up an automatic monthly deposit of €100. This way, your capital grows steadily without you having to worry about it. Vive spreads your investment across different funds according to your profile, so you start well-diversified immediately.

4. Track your investmentsThrough the Vive app, you always have insight into how your investments are performing. You will hopefully see your capital grow, and should anything change in your personal situation or goal, you can update your details. Vive will then automatically adjust your strategy if necessary. Everything remains aligned with your personal situation, so you always stay on track towards your goal.

‍Example: A few months later, you open the app and see that your investments have grown. You also read that Vive recently rebalanced your portfolio slightly to keep it in line with your profile – this happens automatically. You appreciate being kept informed via the app without it being complicated.

What are the benefits of investing and what are the potential returns?

At Vive, everything revolves around growing your capital, step by step. The return you can achieve depends on various factors, such as your chosen strategy and market conditions. Historically, average returns on a broad equity portfolio are between 5% and 7% per year. This means you can achieve excellent results over the long term, especially with the compound interest effect. Of course, returns are never guaranteed, and investments experience ups and downs. However, by investing broadly and for the long term, you significantly increase the chance of a good result.

With Vive, you also benefit from index investing. We track important market indices with low costs, which means more of your money goes to work instead of being spent on high fees. This is how you efficiently build your capital.

Tip: Also think about the long term: the longer you invest, the greater the effect of compound returns. A small start today can become much larger in 20 years. Do you need help with a long-term plan? Then check out our blog on how to draw up a financial plan for the future (internal link).

What can you do now?

Are you interested in investing but want more information? At Vive, we are ready to help you achieve your financial goals. With our simple steps and smart technology, you can start investing with confidence. Whether you want to invest defensively or offensively, we ensure you are always on the right track and that you understand your investments. You can also reach us by simply sending an email with all your questions. We will then try to answer them as best as possible!

Take your first step today: open a Vive account and start investing for your future – we are happy to help you get started!

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