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.
Become more financially independent.
Everything you need. In one app. In one place. All goals and strategies, always at hand.
Goal-based investing means investing towards a concrete amount within a set period, rather than simply aiming for maximum return.
Your goal and horizon determine the strategy: the shorter the period, the more cautious the mix. As your end date approaches, risk is reduced automatically, so a market drop just before the finish doesn't derail your whole plan. Unlike a pension, you can access it in the meantime. More on goal-based investing.
You decide three things: the amount you want to reach, the period, and the maximum risk you want to take. Vive builds an investment plan around that and executes it.
The app tracks whether you are on course and adjusts where needed. As your end date approaches, the capital is automatically invested more cautiously to protect what you have built. Unlike a pension, you can access it in the meantime. More on goal-based investing.
Investing always carries risk: you can lose part or all of your contribution. Vive invests within your financial profile and takes no risk outside it.
In your younger years we generally invest more offensively, because you have time to absorb fluctuations. As your goal or retirement date approaches, we reduce risk step by step. For wealth management we don't, because there is no end date. Read the full investment policy.
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.
