Get a grip on your situation. Reduce your money worries.
Understand your spending and discover opportunities for savings and investments.
Use money in a targeted manner. Ensure a happy future.
Start building a better buffer right away?
* The buffer is a guideline based on estimated factors, employment, income and expenses. Adapt it to your situation. For a detailed calculation, use the Nibud calculator
The calculation is based on an individual (fixed-term contract).
Housing costs, energy costs, insurances and subscriptions.
Shopping, transport and health.
Leisure activities, clothing and shoes, but also unforeseen costs.
Installments, for example from your Credit Card or Buy Now, Pay Later purchases.
This is your indicative buffer required for a period of 3 - 6 months.
Your buffer receipt is ready. Find out how much buffer you need by using the calculator above.
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Everything you need. In one app. In one place. All goals and strategies, always at hand.
Goal-based investing is a way of investing where your investment strategy is based on your concrete financial goals and the associated period (time between now and the end date) instead of only maximising the total return. You are, in fact, investing towards a specific amount.
Goal-based investing with Vive is all about a concrete endpoint, a suitable investment mix and automatic adjustment. You determine which financial goal (in €) you want to achieve, within which period and how much risk you are willing to take for this goal. Vive then creates a plan to achieve your goal. This way, you work step-by-step towards your financial goal, with maximum focus and minimal surprises.
Vive invests based on your financial situation. We never take risks outside of your financial profile.
However, we believe you can achieve maximum return by investing more aggressively in your younger years. This is a period when you have plenty of time to absorb losses, but still lots of time for the money to grow. As you get closer to your goal or retirement age, we slowly reduce the risk. This way, you retain the accrued money, even if the market goes up and down.
This strategy is maintained for both goal-based and retirement investing. For wealth management, we do not reduce the risk. This has no end date.
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.
