Invest for your future money. From goal to goal achieved.
Retirement, a sabbatical, your first home: whatever you want to achieve, Vive makes it clear and achievable. Choose your goal, and we’ll calculate the route.
Invest easily with Vive
For your own funds, goals
and pension for later.
Vive's Pension Plan
Offer employees their own pension account with tax benefits via an easy-to-understand app, for complete freedom to accrue their own pension.
Personal investing with Vive
A dedicated plan for every investment goal. Whether it’s a pension, a personal goal, or building wealth. With Vive, you know exactly what it takes to get there.
Each goal gets a plan.
Whether you want to build up wealth for later, invest specifically for a specific purpose, or build up your personal pension. With Vive, you create your own investment plan for each goal, and you do that without limits.
You decide how to invest.
Real-time insight. From now, into the future
Strategies fully tailored to your financial profile. With scenarios to show the results.
Forecasting for later.
For each plan, we build a strategy that fits your investment, risk profile and horizon. This allows us to provide expectations about the ultimate value of your investments. So you can easily understand what growing faster or quieter means. You can also make adjustments when you want.
Tailored recommendations
Vive automatically provides recommendations for each investment plan. You decide, Vive calculates and executes.
Investment assistant
In the app, you get personalized recommendations to keep your plans on track. We show you what you can do - for example, temporarily increasing your deposit, adjusting your risk or making a one-off deposit - and what its impact is on your goal and timing. Everything is based on your plans, progress and situation.
Licensed & supervised
Vive is an investment firm, supervised by De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM).
Dynamic
When your life, work, or preferences change, your strategy adapts. Set up in just a few clicks. Always in control.
Professionally
Passive index funds. Diversified investments worldwide. Used by institutional investors.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What is pension investing?
Pension investing means building a pension by investing in equities, bonds and investment funds, rather than only saving. The aim is extra capital alongside your AOW and any collective scheme.
Over the long term investing generally yields more than saving, but there is risk too: the value can fall. Because your horizon is long, there is time to absorb fluctuations. Read what pension investing is or see pension investing at Vive.
Is Vive a replacement for my pension scheme?
Vive is a fully-fledged pension scheme in the third pillar. If you don't yet have a scheme, you can set one up through Vive and offer it to your employees.
If you already have a collective scheme, or fall under a mandatory industry pension fund, the situation is different. Vive does not replace that scheme, but can sit on top of it as a flexible layer that employees steer themselves. See the options on pension for employees.
What makes Vive suitable for SME pensions?
SMEs are not a homogeneous group: an agency of eight has different needs from a growing company of fifty. Vive lets you shape the scheme at your own pace, with no mandatory collective and no minimum number of participants.
You decide who takes part and how much you contribute, and adjust monthly as you grow. Administration runs via the employer portal and your regular payroll. See pension for employees or read 3 practical pension management problems for HR.
What is the advantage of a pension scheme for the self-employed at Vive?
Every lijfrente provider offers the same tax advantage; the difference lies in costs and execution. At Vive:
- No transaction costs and no deposit fees, so your full contribution is invested.
- A personal strategy based on an ALM model, rather than a standard model portfolio.
- Full flexibility in what you contribute, including free pausing.
- Everything in one app, with insight into your accrual and projection.
See pricing or read what pension investing costs.
What is the difference between pension investing and regular investing?
The investments can be similar; the difference is in tax treatment and access.
With pension investing your contribution is deductible within your jaarruimte and your capital sits outside box 3 during accrual. In return the money is locked until your retirement date. With regular investing you can always access it, but you miss the tax advantage and your capital counts in box 3. See pension investing and goal-based investing.
Who is building up a pension through Vive suitable for?
For four groups in particular:
- Zzp'ers and DGAs who have to build up themselves, because no employer arranges it.
- Employees with a pension shortfall who want to add to their employer scheme.
- Employers without a cao or industry pension fund who want to offer something without a mandatory collective.
- Intermediaries who want to broaden their services into the third pillar.
If you fall under a mandatory industry pension fund, that scheme remains leading and Vive can at most sit on top. See pension investing.
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.