Is your money standing still?
Your savings are constantly losing value due to inflation
And you're missing out on the opportunity to grow your wealth, Vive helps you make your money work for you.
Saving feels safe, but earns you little
When you invest with Vive, your money is actively used to reach your goals - such as a home, an education or a financial buffer - faster than with a traditional savings account.
Investing isn't just for experts
Vive offers you a personal, automated investment strategy. Your money is invested in a way that suits you, with an overview and options for adjustments.
The future feels far away and unclear
You know you should do something, but the best choice isn't clear. With Vive, you can see how your money can grow. Easily track your projections and returns in our app.
What can you do with Vive?
Asset management for retirement, goal-based and business investing.
Curious about what investing can do for you?
Calculate it now.
Start investing in your personal pension right away?
* This calculation is indicative and not personal advice. The outcome is based on your input and general assumptions. Actual pension amounts may vary. When in doubt, consult a financial advisor. No rights can be derived from this tool.
Invest like the pros
Smarter, more personal and more efficient.
ALM model: tailored, not off-the-shelf
You don't have to choose between profile A, B or C. Your strategy is determined based on your goal and when you need it, taking into account various possible futures.
Lifecycle Investing: automated risk reduction
Start with maximum growth with a long investment horizon. The risk is automatically reduced as you get closer to your target amount or retirement age.
This way, we maximize returns early and your money is protected later.
Broadly diversified, efficiently managed
You invest in more than 6,000 companies worldwide through Northern Trust, UBS and Vanguard passive index funds. This also gives you an average of 0.05 to 1% more than standard index tracking, because we prevent dividend leakage.
How to get started with Vive
Your way to financial success in 3 simple steps
Download the app
Download our app and create an account right away. Want to invest for your pension or for a specific goal? Create a plan in the app straight away. For personal retirement or business investments, please contact us.
Compose your plan
Start by choosing the right investment account: retirement, a specific purpose, or business. Next, you determine the investment horizon and your contribution. This is all set out in your personal investment strategy.
Follow your investment and growth
Contribute whenever you want. Once, monthly or completely flexible. You set the pace, we take care of the rest. See how your wealth grows in real time. Adjust when your life changes.
Want to get started investing for your future right away?
Transparent rates.
No fine print. Here's what you pay.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
How much does Vive cost exactly?
For pension: €45 one-off + £7.50/month, but your management fees drop to 0.35%. For other goals: no fixed costs, only 0.75% management fees per year. Fund costs are 0.13-0.19% + swing costs 0.01-0.06%.
Why are the costs lower for pension?
With pension, you benefit from economies of scale and fiscal structure. The lower management fees (0.35% vs 0.75%) more than compensate for the monthly subscription, especially with larger amounts.
Are there any hidden costs?
No. What you see is what you pay: monthly subscription (pension only), management fees and fund costs. No transaction fees, no deposit fees, no success fees. All our most up-to-date rates are listed here.
Do I have to participate if my company offers a pension?
No, participation is voluntary. However, if you do not participate and your employer contributes on your behalf, you will miss out on those contributions. This means you lose money. You also miss the opportunity to invest for your pension with tax advantages, which may result in less disposable income later on.
Does my employer contribute for me?
This varies by employer. Check your invitation email or ask your HR department. Some employers deposit automatically, others match your own contribution, and some only provide access to the pension and investment accounts.
What if I am already building up an annuity (3rd pillar pension) myself?
If you are already building up an annuity (third-pillar pension), you can have it transferred to Vive. This is done via the Capital Transfer Streamlining Protocol (PSK). You can fill in the following form to do this. If you prefer to keep it separate, that is also possible. Multiple accounts are permitted. However, ensure you do not make double contributions, as you have limited annual allowance.
Can I stop using Vive later if I change my mind?
You can always stop with Vive. For asset management, this is easier; you can always withdraw or pause. Withdrawing from the pension account is more difficult, as you are bound by a number of tax rules. Pension is traditionally locked until your retirement age (that is the deal for the tax benefit). If you do wish to withdraw this (to cash), a penalty will apply. Transferring to another annuity (3rd pillar pension) provider is possible without any loss.
Please note:
Investing carries risks
Investing offers opportunities, but you may lose part or all of your investment. That’s why it’s important to understand the associated risks in advance. More information can be found in the Investment Policy. Vive is a licensed wealth manager.