Finally, easy investing
From financial uncertainty to complete control.
With Vive, you can build your ideal future step by step.
We create your personal strategy
You tell us about your current situation: work, income, existing pensions and what you want to achieve. Based on this, we design a smart plan that suits your life - pension, goals and wealth accumulation, all tailored to your ambitions.
Your plan works for you automatically
Our technology ensures that your money grows optimally while you live your life. Automatic optimization, smart risk management and transparent costs - without having to constantly look at them.
You always stay in control
Via the app, you can see exactly how you are doing and you can always make adjustments. Other plans? More risk? Tax advantage? Your investments adapt to your life.
Why people choose Vive for investing
From no investments and
confusion to financial clarity.
Licensed
Vive is an investment firm. Supervised by De Nederlandsche Bank and the Financial Markets Authority. We have our own permit, so everything is arranged by us.
Professionally managed
You get institutional investment quality that is normally only available to large asset managers or pension funds. Investing is automatic, but you have full control.
Tax advantaged
When you accrue a pension through Vive, you benefit from a substantial tax advantage. Every euro you deposit for your pension immediately saves you tax and gives you a refund. As a result, you can effectively accrue your pension with 'free' government money.
Technology that optimizes your financial future
Advanced tools, easy to use. Vive has built a financial model that calculates thousands of investment scenarios to find the perfect strategy for your personal goals. Everyone's investment portfolio consists of a wide range of different asset classes, so that risks are optimally diversified while maximizing your return.
Easy investment via plans
With Vive, you invest for your own future money with various plans. Whether you want to build up wealth, invest specifically for a purpose, or want to retire for later (you can build this up through your employer or as a freelancer/director). You can easily arrange everything in one app, with personal plans and automatic investments.
A personal investment strategy
At Vive, every plan — whether it's retirement, a goal, or assets — gets a personal investment strategy. In this way, we optimally adjust risk and return to your situation.
Not a one-size-fits-all strategy: you are unique, so are your investments.
Always insight
Your personal cockpit. At a glance, you can see how much you've built up, what's coming in every month and what you're working towards. Everything in real time, always up to date.
Make an appointment
Ready for a modern retirement or wealth solution? Feel free to get to know Vive and discover what's possible - for your organization.
Complex pension, simply explained - know where you are right away
Personal information for your situation and that of your employees
More clarity than hours of Googling in 30 minutes
Plenty of room for questions to our experienced pension experts
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
How does pension accrual work as a self-employed person?
As a zzp'er there is no employer arranging it for you, so you build up in the third pillar yourself. You do that with a lijfrente account: you contribute within your jaarruimte and deduct that amount from your taxable income.
At Vive you open such an account yourself, set your own contribution, and your money is invested automatically according to a strategy that suits your age and retirement date. Read more: building an individual pension.
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 as a self-employed person and saving?
Two differences. First the return: saved money grows with interest, invested money with market returns, which are generally higher over the long term but can also fall.
Second, and often more important for zzp'ers: with pension investing within your jaarruimte your contribution is deductible and your capital sits outside box 3. With ordinary saving it does not. In return, you can't access it before your retirement date. Read pension investing versus pension saving.
What happens to my self-employed lijfrente on death?
The full capital built up goes to your next of kin. As a zzp'er you have no partner pension through an employer, so this is often the only thing left for them.
In the accrual phase your next of kin can buy a nabestaandenlijfrente with it, giving them a periodic benefit. In the payout phase the payments continue until the end of the agreed period. Read what a nabestaandenlijfrente is.
Is pension investing deductible for self-employed persons?
Yes. If you stay within your jaarruimte and reserveringsruimte, you deduct your contribution from your taxable income in box 1, under 'uitgaven voor inkomensvoorzieningen'.
You deduct at your bracket rate, up to 49.50% in 2026. In addition, the capital you build does not fall into box 3 during the accrual phase. You only pay income tax once the benefit starts. Calculate with the jaarruimte calculator.
How much jaarruimte do I have for my lijfrente as a self-employed person?
Your jaarruimte is 30% of your premiegrondslag: last year's business profit (after entrepreneur allowances) minus the AOW-franchise of €19,172. If you build no pension elsewhere, factor A is zero and you keep the full room.
In 2026 the jaarruimte is capped at €35,589, at a qualifying income of €137,800 or more. Didn't use it fully in earlier years? You can still catch up to 10 years back via your reserveringsruimte. Work out your room with the jaarruimte calculator.
How can I calculate my self-employed pension?
Two calculations matter. The jaarruimte calculator shows how much you may contribute tax-efficiently this year. The pension calculator shows what a given monthly contribution could grow to by your retirement date.
Contributed too little in earlier years? Also calculate your reserveringsruimte. Stuck? Get in touch via support.
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.
