Passive index investing
Globally invested, fully diversified
Onboarding in 3-5 days
Fully digital, quickly arranged
Transparent costs
A decreasing fee and no transaction costs
How does business investing work?
At Vive, your business account is fully tailored to you and your business.
When it comes to business investing, you don't invest as an individual, but through your company. The investment account is in the name of your BV, the assets remain part of your business assets, and tax treatment occurs within the company.
The goal is to help your excess liquidity grow effectively. Instead of leaving the money in a business savings account, you put it to work for you.
Who is Vive's business investing for?
Intended for Dutch BVs that want to grow their business assets.
Your situation
You have excess liquidity in your business account that you want to put to work. You're looking for a way to build a buffer for the medium to long term, or you want to grow your assets strategically.
What we ask
The account must be in the name of your BV (not a sole trader or VOF). Ideally, the BV has one UBO, but multiple UBOs can be accommodated. The source of the assets must be legal, traceable, and verifiable.
Important: Not sure whether business investing suits your situation? We'd be happy to discuss this with you in an informal conversation.
How Vive invests
With Vive, you get a personalised strategy. We tailor it according to three factors.
A personal risk profile
How much risk is appropriate for your company? Choose how much risk you take. The strategy adjusts the right balance between stocks and bonds.
Passive and diversified
Vive invests for you in index funds from, among others, Northern Trust and Vanguard. These funds are globally diversified, ESG-tested and fully dividend-efficient.
Tailored to your horizon
Are you investing for 3 years, 5 years, or longer? The longer your horizon, the more risk you can take for potentially higher returns.
Vive invests in a personalized, diversified, and fully optimized manner.
Why invest with Vive?
Your entire business capital
at work for later.
Passive investing, with strategy
Our investment approach
Easy, transparent, personal
Your benefits
Set up in 3 steps
From initial consultation to investment.
Introduction and consultation
Once you submit your details, we'll contact you to schedule an informal conversation. We'll discuss your business situation, investment goals, and expectations. Based on this, we'll assess together whether business investing is right for your BV.
Documentation and approval
You provide the necessary documents. We'll review your application and verify the UBO structure. This process typically takes 3-5 days, depending on the complexity of the structure.
Access and investment
Once approved, you'll receive access to your Vive Business account in the app. You'll set up a personalized investment plan and make your first deposit. Right after that, we'll start investing for you. You can follow everything in real time.
We'd love to have a conversation to see if Vive is right for you.
Transparent rates.
No fine print. Here's what you pay.
Cost item
Amount
Who pays?
Onboarding
€0, -
No costs
Service & support
€0, -
No costs
Vive Management
0.75% - 0.55 p.y. (AUM dependent)
Deducted from the invested capital
Management costs are automatically deducted from the BV's portfolio. The higher the invested capital, the lower the percentage.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
Is private limited company investing with Vive only for limited companies?
Yes. Freelancers/entrepreneurs, VOFs and other legal forms cannot (yet) open a business investment account with Vive.
How long does it take before I can invest?
From first contact to active account: 3-5 days (depending on documents provided).
Can I choose what to invest in?
Vive builds a personalized strategy based on your situation. You do not choose individual funds yourself, but together we tailor the strategy to your wishes, horizon and risk profile.
When do I choose private limited company investing instead of a retirement account?
Investing through a private limited company is suitable for:
- Excess liquidity/buffers
- Capital growth within the company
- Flexible withdrawable assets (no retirement age)
For pension accrual with a tax advantage, look at a pension account for DGAs. Do you have doubts? Discuss your situation with a financial advisor or contact us, we are happy to think along with you.
Can I invest with multiple UBOs?
Preferably, the BV has one UBO. Multiple UBOs can be discussed, please contact us to explore the options with us.
Do I need an LEI code?
No, an LEI code is optional. Do you already have these? Then we can use it. Do you want to request one? We'll help you get started. It is expected that you will need these in the future.
What are the tax consequences?
Private limited company investing takes place under corporate tax. Specific tax consequences depend on your situation, discuss this with your accountant or tax specialist.
Please note:
Investing carries risks
Investing offers opportunities, but you may lose part or all of your investment. That’s why it’s important to understand the associated risks in advance. More information can be found in the Investment Policy. Vive is a licensed wealth manager.
