In a world where financial planning is becoming increasingly digital and personalised, it is striking that many people still rely on standard investment strategies that do not align with their unique life goals. Why would you leave your financial future to a generic plan when you can also choose a solution that is completely tailored to your personal situation and ambitions?
In addition, the awareness is growing that traditional investment models are no longer sufficient. Due to technological advances and the availability of enormous amounts of data, it is becoming increasingly easy to provide customisation in financial planning. This not only offers consumers more control over their investments but also the opportunity to manage their assets more strategically and efficiently.
In this article, we discuss why personalisation is essential in pension and asset management and how technology can help you get a grip on your financial future. We will also show how Vive distinguishes itself by going beyond traditional investment strategies.
Personalisation in financial planning means more than just adjusting a few preferences. It gives you control over your financial future. You set your own goals, adjust them when your life changes, and receive an investment strategy that is specifically tailored to your situation. This ensures better financial decisions and a plan that grows with you.
A major advantage of personalisation is that it minimises uncertainties. When a financial plan is tailored to your unique situation and goals, risks are better managed, and opportunities can be optimally exploited. Whether you want to retire earlier, build up wealth for a major purchase, or simply better plan your financial future – a personalised approach makes a world of difference.
Innovation is central to Vive. By using advanced technologies such as artificial intelligence (AI) and data analysis, we create a personalised investment strategy that precisely matches your financial goals. This offers more than a generic approach; it enables you to think ahead financially.
Technological innovation is rapidly changing the financial sector. AI and machine learning are playing an increasingly important role in pension planning and asset management. Recent studies show that the adoption of AI in financial services has increased from 45% in 2022 to an expected 85% in 2025. This means that more and more pension funds and fintech companies are using algorithms to personalise and optimise investment strategies.
AI- and data-driven robo-advisers, such as Betterment, Wealthfront, and Vive (us too, yes!) analyse customers' goals, risk tolerance, and financial situation to offer tailor-made investment strategies. This lowers costs and ensures that investors receive advice that accurately aligns with their unique needs.
In addition, AI makes it possible not only to make predictions but also to make real-time adjustments. This means your investment strategy can dynamically move with market developments and economic fluctuations. As a result, risk is better managed, and returns can be optimised.
Personalisation in pension planning and asset management has various applications:
A personalised investment strategy leads to better results. AI processes enormous amounts of data to reduce investment risks and optimise returns. Studies show that investors who use data-driven strategies achieve average 5-8% higher returns than those who stick to standard portfolios.
Moreover, AI ensures higher engagement. Interactive dashboards and real-time updates enable investors to closely monitor their progress and make timely adjustments. This not only increases returns but also makes financial planning more accessible and insightful.
In addition, personalisation ensures that investors have a better feeling about their investments. Instead of a one-size-fits-all strategy, they see how their capital directly contributes to their long-term goals. This increases motivation and confidence in the chosen strategy.
At Vive, we look beyond just financial returns. We integrate socially responsible investment options in our strategies, so you not only work on your own financial future but also contribute to a more sustainable world. Our investment funds are carefully selected for their impact on the environment and society, without compromising on returns.
Sustainable investing is becoming increasingly important for investors. Not only because of ethical considerations but also because sustainable companies often deliver more stable performance in the long term. AI plays a key role here by identifying which companies genuinely operate sustainably and which merely apply 'greenwashing'.
Personalisation is a trend within the financial world, but how does Vive distinguish itself from other providers?
Personalisation is not just a luxury, but a necessity for those who take their financial future seriously. By putting your own goals first and following a strategy specifically tailored to you, you can secure and optimise your financial future.
Do you want to know what your personal pension plan could look like? Contact Vive for a non-binding demo or start immediately with our online tool and discover which strategy suits you best!