What is the expected return if I start investing?

Vive does not offer model portfolios but a personalised strategy. So, at Vive, you don't have to choose a profile; one is created and selected for you. However, we would like to tell you what may be customary with model portfolios to give you an idea of what is achievable. Please note that the expected return on investment heavily depends on your investment strategy and market conditions, but in the long term, you can roughly assume the ranges below:

Defensive profile (many bonds, few shares) – 2 – 4 % per year (nominal). This profile aims for stability, with limited fluctuations and a lower return.

Neutral profile (mixed mix of shares/bonds) – 4 – 6 % per year (nominal). This is a commonly used middle profile for pension objectives, with a balance between risk and return.

Offensive profile (many shares, alternative investments) – 6 – 8 % (–10 % to +15 % in extreme years) per year (nominal).

This profile offers the highest long-term growth potential but experiences the greatest price fluctuations.

If you want to view our historical returns, you can do so on the "rendement" page under "hulpmiddelen."