Portfolio

Disclaimer: This document has been translated directly from nl-NL (Dutch). In the event of any discrepancies between this translation and the original Dutch version, the Dutch version shall prevail.

A plan that fits your goal

"Tailored" is easy to say. At many providers it means: you answer a few questions and then get slotted into one of five standard portfolios. Not with us. We don't put you in a box. Instead, for every goal you have, we build a strategy of its own, calculated specifically for your situation.

Fully tailored. Everything we do starts from your situation, your preferences and your goals. Not a standard portfolio that roughly fits, but a strategy we calculate for you.

A strategy per goal. A house in ten years calls for something different than a pension in thirty years. That's why each goal gets its own portfolio and its own risk build-up.

Always adjustable. Did your life or your goal change? You adjust your plan wherever and whenever you want, and we apply that to your strategy right away.

How we put your plan together

First we get to know you

‍Before we invest anything, we map out who you are. Through a set of questions we determine your financial situation and your attitude towards risk. We translate that into your financial profile: a substantiated estimate of how much risk you can bear (your financial capacity) and how much risk suits you (your risk tolerance). These two are not the same, and it's precisely that difference that helps determine which strategy is sensible for you. We also ask about your risk tolerance not once, but per goal, because it can differ from one goal to the next.

Then you decide what you're investing for

‍A house, a camper van, retiring earlier, or simply growing your wealth without a fixed goal. Each goal has its own time horizon and its own degree of certainty that you need. A pension in thirty years usually allows for more risk than a buffer you might need in two years. That's why we treat each goal separately, with its own strategy and its own portfolio. For this we've developed three plan types:

• Goal plan. Do you have a specific financial goal on a target date? Vive uses your financial profile and risk tolerance to calculate a tailored investment plan, including the minimum monthly contribution you need to make to reach your goal with high probability.
• Wealth plan. Do you simply want to build wealth, without a specific goal? Then you choose a wealth plan. You set a risk level, and Vive delivers a portfolio that matches it precisely.
• Pension plan. Do you want to invest for your pension in a tax-efficient way? Then you choose a pension plan. You indicate how much risk you want to take in the growth phase and how many years before your retirement date you want to de-risk towards our most defensive portfolio.

You can create unlimited goal and wealth plans. Each user can have only one pension plan.

We calculate your strategy

‍This is where our work happens. Instead of placing you in a fixed model portfolio, we simulate thousands of possible economic scenarios, from favourable to bleak. That's how we determine which combination of investments gives your goal the greatest chance within your horizon, without taking more risk than necessary. This approach is called Asset Liability Management (ALM). We repeat the calculation periodically, so your strategy moves with reality instead of standing still on the day you started.

We execute and adjust automatically

‍We execute your strategy with broadly diversified, cost-efficient index funds. If the markets push your weightings out of balance, we restore them automatically. If your strategy calls for de-risking, we carry that out automatically too. With a pension plan you set that de-risking yourself; with a goal plan it follows from the calculation, when that's the best route to your goal. You don't have to do anything yourself.

Want to change something? You can

‍Take less risk? Then we shift towards more defensive investments. Want to lower your monthly contribution but still work towards the same goal? Then we can opt for a more offensive strategy with a higher expected return. That does come with more risk: a greater chance of a good result, but also a greater chance of a setback. We always explain in advance what a choice means for you.

Full transparency

‍You can always see exactly which investments your portfolio consists of. In the app you'll find this under Plans > Your plan > Portfolio.

Every goal is different and needs its own plan. That's why we calculate a separate strategy and portfolio for each goal, specific to your situation.