The pension market is changing
Your customers are looking for alternatives.
But your services aren't yet equipped to answer the questions of today and tomorrow.
Collective arrangements no longer fit
Modern careers are more flexible: people change employers and employment more often. At the same time, employers do not want rigid, multi-year pension projects with high implementation costs.
Pension via annuity (lijfrente) is easier to advise
Under the third pillar, a financial adviser can set up an employer-sponsored annuity. This makes it quicker to implement: it takes weeks rather than months.
The WTP is changing the playing field
Employers must switch to new pension contracts, which increases the demand for advice exponentially. At the same time, customers are looking for flexible alternatives that are quick to implement.
With Vive, you guide your
customers toward Het Nieuwe Pensioen
You answer your customer's needs with a sustainable, affordable and flexible solution.
A flexible pension solution
Het Nieuwe Pensioen doesn't require traditional pension providers. Employers offer it directly to their employees via Vive.
Set the framework yourself
The employer and intermediary decide contribution rules, goals and scheme settings, tailored per role and situation.
Employees have insight
Employees manage their own investments and risk profile, with the option to make additional contributions. The money remains theirs if they change jobs or leave.
How does Vive work
See what's possible.
Retirement
The employer can sponsor a pension for the employee, flexibly configured by budget, goals and strategy. Employees benefit from a direct tax advantage via their income tax return.
Discover the opportunity for your practice
New pension opportunities for advisers
The pension landscape is changing rapidly. With Vive's employer annuity, you guide your SME clients flexibly and personally, without complex pension structures.
Download the brochure and discover, among other things:
How the 3rd pillar solution works for your practice and your clients
Fast digital onboarding: operational within a few weeks
Our partner deal and transparent, low fees
In your mailbox within 1 minute
Your services
Expanded with Vive's solution
Broader advice
An annuity is classified for tax purposes as wealth accumulation, which opens the door for financial intermediaries to create value for their clients.
A more complete product
Vive enables intermediaries to offer, in addition to the collective pension scheme, a more comprehensive, Wtp-compliant financial product that focuses on prevention and vitality.
Efficiency and scalability
A repeatable, standardised model where Vive provides the back end and you maintain the relationship with the client.
A more comprehensive pension product
A flexible framework that meets the pension needs of today and tomorrow.
Setting up a new pension
Set up a third-pillar pension plan for your clients quickly and affordably, fully tailored to each employee. Simple to set up, easy to manage, and always personalized.
A Wtp-compliant solution
Due to the transition to a flat-rate premium, many of your clients who were previously in a tiered plan (staffels) will soon be accumulating insufficient pension benefits. With Vive, you can offer them a flexible supplement on top of their existing plan, allowing them to accumulate additional pension benefits or invest for their own goals.
You guide the customer,
Vive executes the scheme.
Well-organized in policy, flexible in implementation.
Your expertise
As an intermediary, you define the policy: who's covered, contribution amounts and conditions, including defaults like employer contribution levels. You handle client communication and the onboarding for employers and employees via our platform.
Vive's execution
Vive arranges the platform setup in accordance with your policy. Employee onboarding happens automatically via invitations. The employer manages joiners and leavers through the portal. Invoicing and reports are handled automatically.
From introduction to implementation
in 3 easy steps.
Introduction
You outline the client's needs and their current pension situation. We then present the options. Together, we determine whether Vive is a good fit.
Policy design
Together with the customer, you decide who gets what, the contribution model, and governance. Based on your policy design, we will configure this for you in the Vive platform.
Deployment & Management
You maintain the customer relationship, strategic advice (including policy review and organization/regulatory changes) and the administration of joiners and leavers. Vive provides employee onboarding, transparent billing, compliance reporting to the AFM and DNB.
Make an appointment
Ready to guide clients towards a modern pension solution? Get to know Vive without obligation and discover what this could mean for your services and the employers you advise.
Pension without the complexity of the 2nd pillar, additional services, without additional certification.
Personal discussion about integrating Vive into your practice and for your clients.
Plenty of room for questions about the partner deal, the platform setup, and Vive's service.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
Which Wft modules do I need to offer a lijfrente as a pension option?
Wft Basis and Wft Vermogen. A lijfrente falls fiscally under wealth accumulation rather than the Pensioenwet, so Wft Pensioen is not required.
That makes it more accessible than second-pillar advice: advisers who already advise on wealth can broaden their services without taking an extra module. For second-pillar schemes you do need Wft Pensioen. More at for intermediaries.
Can I advise clients with only Wft Basis?
For advice you need Wft Vermogen. With only Wft Basis you may provide information about Vive and explain how the scheme works, but not give personal advice on suitability for a specific client.
Because a lijfrente falls under wealth accumulation rather than the Pensioenwet, you do not need Wft Pensioen. More on working together at for intermediaries.
What is the difference between second and third pillar certification?
To advise on second-pillar schemes you need Wft Pensioen, on top of Wft Basis and Wft Vermogen. Those schemes fall under the Pensioenwet.
For the third pillar that is not required: a lijfrente falls fiscally under wealth accumulation, so Wft Basis and Wft Vermogen suffice. That makes it more accessible for advisers without a pension module who do advise on wealth. More at for intermediaries.
How does Vive work for me as an intermediary?
You keep the client relationship and the design of the scheme; Vive handles execution, compliance and the employee app. Through the portal you manage your connected clients, review schemes and download reports.
There is a partner deal that gives your client a discount on our services. We work in a repeatable model: implementation, guidance and annual review. Rates and terms are in the intermediary brochure, or we discuss them in an introduction. Background: pension advice for SMEs.
Is there a minimum number of customers or employees required to use Vive?
No. There is no minimum number of employees or clients. You can start with one employer, or even one participant, and scale from there.
That makes the model suitable for small advisory practices and for startups just setting up a scheme. More about working together on for intermediaries or in the intermediary brochure.
Can I offer Vive as a white-label solution?
That is open to discussion for larger advisory firms or specific situations, but it is not a standard offering. What is standard: the intermediary portal, where you manage your connected clients and download reports, and the partner deal that gives your client a discount.
Want to explore the options for your practice? Book an introduction or see the intermediary brochure.
How long does an average implementation take?
Weeks, not months. A standard SME implementation is usually operational within 2 to 3 weeks. The lead time depends mainly on how quickly the required data is complete and on the CDD/KYC check.
Individual accounts are ready sooner: often within 1 to 2 working days. Many employers deliberately schedule the start later, because they want to inform their team about the new benefit first. Discuss your timeline in an introduction.
What if my client already has a pension scheme?
Then Vive works as an addition, not a replacement. If the second-pillar scheme stays in place, Vive can sit on top as a flexible third-pillar layer that employees steer themselves.
That is useful with a pension shortfall, with compensation questions around the Wtp, or to give employees more choice. If your client has no scheme yet, Vive can work stand-alone. More at for intermediaries.
Do I get access to my client's employer portal?
Yes. As an adviser you get role-based access to your client's employer portal. You can review the scheme, make changes, download reports and support the employer with policy questions.
Access is limited to what your role requires; the employer remains ultimately responsible for the scheme. More on working together at for intermediaries.
How often do I need to be involved after implementation?
Less than with a second-pillar arrangement. The norm is an annual review with the employer: is the contribution still right, does the scheme still fit the organisation.
Beyond that you are involved ad hoc for organisational changes, scheme expansion or policy questions. Everything operational, such as employee queries, onboarding and changes, runs through Vive support. More on working together at for intermediaries.
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.