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Retirement for your employees, easily arranged. Vive is a pension provider that offers individual pension accounts (3rd pillar) that you, as an employer, can sponsor. Flexible, tax-efficient and fully digitally arranged.
Vive offers the pension of the future. Today:
Flexibly choose who to sign up
Decide for yourself how much you contribute and for whom
The employee's pension fund remains the employee's
Do you have questions? We'll help you out right away
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What happens if I request a quote?
You receive the quote by email. It sets out the subscription type, the cost per participant and the terms for your situation. The quote is valid for one month.
We then get in touch to answer questions and hear what you think. You can accept by phone, email or signature; the cooperation agreement follows. See the pricing in the meantime.
What should I look out for when comparing quotes?
Seven points, with the difference between the second pillar (collective) and the third pillar (individual) recurring throughout:
- Costs. Compare management fees on capital, fixed costs per participant and any entry, exit or advisory costs. Are they included or added on top?
- Tax treatment. Second pillar: premium from gross salary, benefit taxed as income. Third pillar: deductible within jaarruimte, capital outside box 3 during accrual.
- Risk sharing. Collective schemes share risk and sometimes offer guarantees; in individual schemes the participant carries all risk.
- Flexibility. Who takes part, how much, and how easily can you change it?
- Administration. Consider reporting obligations, governance structure and the load on your payroll.
- Communication. Do participants get a UPO, a dashboard, or both? And how is choice guidance arranged?
- Portability. Do entitlements stay behind on leaving, or does the personal pot move with the employee?
More background in the difference between the second and third pillar.
How long is a quote valid?
A Vive quote is valid for one month from the date of issue. Within that period the stated terms and rates remain unchanged.
If circumstances change, we reserve the right to withdraw or amend a quote. If the term expires and you still want to proceed, request an updated quote via support.