All investments in one handy app

The costs consist of at most three parts:

• Subscription. Only on the pension plans (Solo and Sponsor), per person per month, plus one-off start-up costs. On the Wealth plan there is no subscription.
• Management fee. A percentage of your invested capital, tiered and lower on the pension plans.
• Fund costs. These go to the underlying funds, not to Vive.

What you don't pay: transaction costs, deposit fees or a performance fee. All current amounts and percentages are on the pricing page.

With a Solo or Sponsor subscription the management fee is lower than on the Wealth plan. That is because pension capital has a long horizon and fewer movements, which creates economies of scale.

Against that stands a monthly subscription. At larger amounts the lower management fee more than offsets it. Current percentages and subscription costs are on the pricing page.

No. What you pay is:

• The monthly subscription and one-off start-up costs, only on the pension plans.
• The management fee on your invested capital.
• The fund costs, which go to the underlying funds and not to Vive.

What there isn't: transaction costs, deposit fees, withdrawal fees, advisory fees or performance fees. One nuance: on large inflows or outflows a fund may apply swing pricing, which can work out favourably or unfavourably. All current amounts are on the pricing page.

No, participation in a third-pillar scheme is voluntary. You decide yourself whether to open a pension account.

It is worth knowing what you leave behind, though. If your employer contributes and you don't take part, you miss that contribution. You also miss the tax deduction on your own contribution and the time your capital could have grown. Check with HR what your employer contributes.

That differs per employer. Some automatically deposit a fixed amount, others match your own contribution up to a percentage, and some only offer the account without contributing themselves.

What applies to you is in your invitation email or your employment terms. Not sure? Ask your HR department or check in the app under your pension plan.

You can transfer that account to Vive via the Protocol Stroomlijning Kapitaaloverdrachten (PSK). You complete a form; we arrange the rest with your current provider. There are no fiscal consequences.

You may also keep them separate. Holding several lijfrente accounts alongside each other is allowed. Just make sure your total contribution across all accounts stays within your jaarruimte.

Yes, you are not tied in. For goal-based investing and wealth management you can withdraw part or all of your capital at any time, or pause your contributions.

For a pension account fiscal rules apply: the money is locked until your retirement date. Withdrawing it as cash means repaying the deduction you received plus 20% revisierente. Transferring to another lijfrente provider is possible without fiscal consequences, via the PSK.