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You know exactly what you want for the future. A beautiful home, the best education for your (grand)children, travelling the world carefree, or simply getting more out of your assets. However, most people fail to achieve these goals, even though they try.
Think, for example, of investing yourself, buying cryptocurrencies, or making an investment here and there. This is often unsuccessful due to insufficient prior knowledge, too little preliminary research, or acting on emotions. In short: consistently investing money to realise your dreams is easier said than done. While it doesn't have to be that difficult. With Vive, that is. Vive is your personal, digital asset manager that helps you achieve your financial goals. In this article, you can read how we put your money to work for you and why this is so unique.
Vive does many different things to achieve your financial goals. That is why we have briefly and concisely summarised what we do for you:
- Our advanced financial model calculates what our carefully selected funds will look like over the next 30 years and calculates countless portfolios for different risk levels.
- We create a customised investment strategy, fully based on your financial situation and the settings of your plan, and execute this for you.
- We monitor your portfolio and give you suggestions to keep you on track.
Want to know more about a specific step? Then read on!
Vive has built an advanced financial model to predict what the market will look like over the next 30 years. This is the Vive Platform. Our platform calculates thousands of possible scenarios, taking into account the relationship between our various investment funds, economic scenarios, and interest rates. Our forecasts are updated every quarter to process the latest market developments.
A strong investment portfolio consists of a broad portfolio with different types of investments. This is how we try to spread the risk as much as possible. Our investments are spread across different asset categories, geographical regions, and sectors. Your money is invested in a mix of sustainable equity funds, bond funds, and money market funds. All these funds are carefully selected based on cost profile, performance, risk, and sustainability.
Vive calculates within seconds the right mix of funds in portfolios for different risk levels. These are thousands of portfolio distributions based on all outcomes from the various risk parameters that you can set yourself in the app. This is how we calculate the ideal portfolio mix for you in real-time.
One of the world's most successful investors, Warren Buffett, once said that you need a rational plan to make the right decisions, without your emotions playing a role. Vive offers that framework for you. We combine your goals, risk preferences, and financial situation into a rock-solid personal investment plan that perfectly suits you and execute this for you.
Everything we do for you is customised. So we need input from you. We ask a number of questions to map out your financial situation. We then give you a score from one to five based on your answers. This is your financial profile. With this profile, we carefully estimate what risks you can take, what kind of investment portfolio suits you, and how we can best invest this for you to achieve your goals.
After creating your personal financial profile, you can create a plan with your preferences. How much do you want to invest? Do you have a target date? Do you want to top up monthly? What are your risk preferences? As soon as you have entered your wishes, we immediately calculate the ideal portfolio mix, the expected return in three scenarios (pessimistic, realistic, and optimistic), and the expected costs. You can see all this in the app. You can always adjust your preferences, and if you make an adjustment, we process this immediately. Even if your strategic portfolio changes. You can always view the composition of your portfolio and strategy in the app. There you can see exactly which investments your portfolio is made up of.
Good to know: every goal is different and requires a different investment strategy. That is why we create a customised plan for every goal you have.
Then we will execute your plan. You don't even have to do anything, just make a deposit and keep an eye on your plan. We also do our best to protect your assets as well as possible. We do this, among other things, by:
1. Automatic rebalancing. With automatic rebalancing, we ensure that the composition of your portfolio always matches the risk you want to take. We look at recent market developments and adjust based on this. Also, if you change your plan, we bring the composition of your portfolio into balance to meet your new settings.
2. Phased risk reduction. If you have a goal plan, we reduce the risk level of your portfolio as you approach your goal. We choose increasingly safer funds over time. This way, we ensure that the closer you get to your goal, the greater the chance that you will achieve it. You can always view the degree of risk reduction in the app. Also, when you make changes to your plan, we adjust your plan accordingly and update the risk level based on your new settings.
You can also adjust the risk yourself at any time. If you do this, you will immediately see the impact on your monthly deposit. The technology we use for this is based on what pension funds use to manage your pension money. Vive has built, perfected, and made this technology accessible to you.
Changes in the market can cause your portfolio to deviate from your goal. Vive's intelligent algorithm continuously monitors your investments and provides you with customised suggestions to optimise your plan. The app lets you know whether you are on the right track or when you need to make adjustments.