Pension investing is building up your pension by investing in financial products (such as shares, bonds, and investment funds) instead of just saving. The goal is to create extra capital that you can use later in addition to your pension payment, alongside the basic state pension (AOW) and any collective pension scheme.

Pensions investment is investing for retirement. The money is locked up until your retirement age, so it's difficult to access. However, in exchange for locking up your money, you get a lot back.

1. Tax advantage on your tax return in the form of a "cashback."

2. All pension contributions are exempt from wealth tax until retirement, including the returns.

3. Pension contributions are deducted from your taxable income, so it becomes lower, and you keep more. By investing, you also let the money you have grow in a diversified portfolio that suits your life stage. This way, you build up extra retirement savings with potentially higher returns than saving, while automatic rebalancing ensures manageable risks.

Als zelfstandige of eigenaar van een eenmanszaak kun je via pensioenbeleggen fiscaal voordelig vermogen opbouwen voor later. Je inleg is vaak aftrekbaar, je betaalt geen vermogensbelasting over het opgebouwde bedrag en je profiteert van het rendement op beleggingen.

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The value of your investments can fluctuate, so investing carries risks. At Vive, we align the investment risk with your situation and automatically reduce your risk as your retirement date approaches.

Pensions investing offers tax advantages: contributions are often deductible from your taxable income, which means less tax needs to be paid. Also, no tax is levied on the accumulated capital. However, this money is locked up until the pension date. With regular investing, the money is freely accessible, but the tax advantage is missing. Pensions investing is therefore less flexible, but attractive if you want to build up targeted capital for later.

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Vive does not offer model portfolios but a personalised strategy. So, at Vive, you don't have to choose a profile; one is created and selected for you. However, we would like to tell you what may be customary with model portfolios to give you an idea of what is achievable. Please note that the expected return on investment heavily depends on your investment strategy and market conditions, but in the long term, you can roughly assume the ranges below:

Defensive profile (many bonds, few shares) – 2 – 4 % per year (nominal). This profile aims for stability, with limited fluctuations and a lower return.

Neutral profile (mixed mix of shares/bonds) – 4 – 6 % per year (nominal). This is a commonly used middle profile for pension objectives, with a balance between risk and return.

Offensive profile (many shares, alternative investments) – 6 – 8 % (–10 % to +15 % in extreme years) per year (nominal).

This profile offers the highest long-term growth potential but experiences the greatest price fluctuations.

If you want to view our historical returns, you can do so on the "rendement" page under "hulpmiddelen."

Vive ensures that your investment strategy is entirely built around you. This means that, depending on your stage of life and your financial situation, your investment strategy will be adjusted. This is how Vive personalises your investment strategy.

Here you can read more about the financial model and personalisation.

Vive's costs can be found on the rates page.

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Vive is a regulated investment party. We are supervised by the AFM (Netherlands Authority for the Financial Markets) and DNB (The Dutch Bank).

You can find more about our own investment policy on the following page: Investment Policy

Here you can find our AFM registration: AFM register