Invest your money towards the goals you want to achieve

Goal-based investing means investing towards a concrete amount within a set period, rather than simply aiming for maximum return.

Your goal and horizon determine the strategy: the shorter the period, the more cautious the mix. As your end date approaches, risk is reduced automatically, so a market drop just before the finish doesn't derail your whole plan. Unlike a pension, you can access it in the meantime. More on goal-based investing.

You decide three things: the amount you want to reach, the period, and the maximum risk you want to take. Vive builds an investment plan around that and executes it.

The app tracks whether you are on course and adjusts where needed. As your end date approaches, the capital is automatically invested more cautiously to protect what you have built. Unlike a pension, you can access it in the meantime. More on goal-based investing.

For any financial goal with a horizon of at least one year. Think of your children's education, a renovation, a sabbatical, a world trip, starting a business or stopping work earlier.

You can set multiple goals at once, each with its own amount, end date and strategy. For an emergency buffer, investing is usually less suitable; work that out with the buffer calculator. More on goal-based investing.

With saving your amount is fixed and you receive interest, which often fails to keep up with inflation. With goal-based investing your money is invested, with a chance of higher returns but also of loss.

The choice depends mainly on your horizon. For goals within a year, saving is usually wiser. From a few years out, investing generally gives a better chance of a stronger result, especially as Vive matches risk to your end date automatically. Read saving or investing.

As your end date approaches, your capital is automatically invested more cautiously to protect what you have built. That prevents a market drop just before your target date from derailing your plan.

On the end date you choose: transfer the amount to your bank account, keep investing towards a new goal, or withdraw part and leave the rest. More on goal-based investing.

Yes. Unlike a pension, your money in goal-based investing is not locked. You can sell part or all of your investments at any time and have the amount transferred to your bank account.

Do bear in mind that you sell at the price of that moment, which may work out unfavourably. For unexpected expenses a savings buffer is usually a better first source. More on goal-based investing.