How can I put together my own pension scheme?

Vive's third-pillar scheme lets you decide how you contribute. Five common variants:

• Facilitate: you offer the account without contributing yourself. Employees build up; you only cover the subscription costs.
• Matching: you match the employee's contribution up to an agreed percentage or amount.
• Fixed contribution: you pay a set amount per employee per month.
• Bonus scheme: the annual bonus goes (partly) into the pension. Often more tax-efficient for the employee.
• Profit share: you only contribute when the company is profitable, which keeps fixed costs down.

You may differentiate per employee or per team. See the options on pension for employees.