When you request a quote from Vive, we will send it directly to your email. We would also like to hear what you think of our product and the solution we offer at a later time.

When comparing quotes and different parties in the second (collective) and third pillar (individual), you should pay attention to the following points:

1. Cost transparency & fee structure

Premium costs: age-dependent scale (2nd pillar) versus flat contribution or net deduction (3rd pillar).Management costs: annual fee on the managed assets. Compare % AuM costs and fixed p.p. costs.Any entry, exit, or advisory costs: are these included or are they on top?

2. Fiscal treatment

Collective: premium contribution is gross salary, pension payout taxed as income.Individual: individual net deduction via annuity is deductible within annual allowance/reserve space; assets do not fall into Box 3 during accumulation; payout later (often lower rate).

3. Risk sharing and guarantees

Collective: return and longevity risk shared; often possibilities for supplements and guarantees.Individual: participant bears all risks themselves; no guarantees, but full portability.

4. Flexibility and freedom of choice

Collective: fixed contract terms, often requiring consent from all participants for changes.Individual: you choose who participates, how much, and when; entry and exit are per contract.

5. Administration and implementation burden

Collective: often complex fund reports, DNB/AFM obligations, and board structures.Individual: simple via payroll (net deduction or compensation), without extra reports or participant councils.

6. Communication and involvement

Collective: UPOs (Uniform Pension Overviews) and scenario reports via fund/administrator; less room for customisation.Individual: personal dashboards, onboarding kits, and clear choice guidance for every participant.

7. Portability and continuity

Collective: accrued rights remain within the fund when the employee leaves, transfer difficult (all participants must agree).Individual: contract transferable upon job change or new provider; personal pots "go with" the participant.

A Vive quote is valid up to 1 month after issue. However, we always reserve the right to declare the quote invalid - depending on circumstances and changes.

A Vive quotation can be accepted in various ways. This can be by accepting the quotation by telephone, email, verbally, or by signature. After accepting the quotation, a collaboration agreement must be signed. The process will then be started. Our contact details can be found on the contact page.