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
Want to know more about Vive's solution and partner deal?
Download the brochure to learn how our complete solution works for your practice and your employer clients: clear, scalable and hassle-free.
Among other things, you will read:
Product info and platform management via the company portal.
Streamlined digital onboarding for new employees
Details about the partner deal and our transparent, low rates.
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.
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 an annuity as a pension option?
Wft Basic + Wft Wealth. Annuity falls under wealth management, so you do not need a Wft Pension like 2nd pillar advice. This makes it more accessible than traditional pension advice.
Can I advise clients with only Wft Basis?
No, you need Wft Wealth to provide advice. With only Wft Basic, you can provide information about Vive, but you cannot give personal advice regarding suitability for the client.
What is the difference between second and third pillar certification?
2nd pillar (collective pension) requires Wft Pension in addition to Basic and Wealth. 3rd pillar (annuity) only requires Basic and Wealth because it falls under wealth management for tax purposes.
How does Vive work for me as an intermediary?
Vive offers intermediaries a special partner deal. Through our partner deal, your client receives a discount on our services. You still design the scheme per employer and maintain the full client relationship. You manage the connected client via a simple portal. Vive meanwhile takes care of implementation, compliance, and the employee app.
Together, we work in a repeatable model of implementation, guidance, and (where applicable) annual reassessment.
Full details regarding rates and conditions can be found in the intermediary brochure or we would be happy to discuss them in an introductory meeting.
Is there a minimum number of customers or employees required to use Vive?
No, there is no minimum number of clients or employees required. You can start small with one employer and scale up to multiple clients. The model is scalable for your practice.
Can I offer Vive as a white-label solution?
This can be discussed for larger consultancy firms or specific situations. Contact us to explore the possibilities for your practice.
How long does an average implementation take?
Weeks, not months. A standard SME implementation can be operational in 2-3 weeks. Pilots can be explained in 15 minutes. This is much faster than the average for traditional 2nd pillar processes.
What if my client already has a pension scheme?
Vive can work as a supplement or as a stand-alone arrangement for the client. If the 2nd pillar solution remains in place, Vive can easily be added on top as a flexible 3rd (and 4th) pillar solution that employees can manage themselves. In this situation, it acts as a modernisation layer.
Will I get access to my client's employer portal?
Yes, as an advisor you receive role-based access. You can view schemes, make adjustments, download reports, and support the employer with policy-related questions.
How often do I need to be involved after implementation?
That depends on the client. However, it is customary to support the client with a policy review at least annually. Additionally, support is provided on an ad-hoc basis for organisational changes, expansion of schemes, or employer enquiries. Operational matters are handled via Vive support, such as contact with employees.
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.