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.
See what you can achieve
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.
Start investing right away
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.
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
Hoe werkt pensioen opbouwen als zzp’er?
Pensioen opbouwen als zzp’er vraagt om flexibiliteit. Er is immers geen werkgever die het voor je regelt. Via Vive open je zelf een pensioenrekening, bepaal je je inleg en wordt je geld automatisch belegd. Zo bouw je zelfstandig en overzichtelijk aan je pensioen.
What is the advantage of a pension scheme for self-employed persons at Vive?
The advantage lies in access to professional asset management and low, clear costs, such as those that larger employers and funds also have. This means: better conditions for your own pension pot, without being tied to strict rules.
What is the difference between pension investing as a self-employed person and saving?
With saving, your money stands still, but with pension investing as a self-employed person, you let it grow with long-term investments. Furthermore, with pension investing, you benefit from tax advantages.
What happens to my self-employed annuity upon death?
With Vive, the full accrued capital goes to your surviving dependents. During the accrual phase, they can purchase a surviving dependants' annuity. During the payout phase, the payments simply continue until the end of the agreed period.
Is pension investing deductible for self-employed persons?
Yes. If you stay within your annual allowance or reserve space, you may deduct your deposit from your taxable income. This means paying less tax and saving more for later.
What is the annual allowance for my annuity as a self-employed person?
Your annual allowance is a maximum of 30% of your business profit (after deduction of the entrepreneur allowance), with a maximum of €35,589 in 2026. In the Vive app, we automatically calculate your annual allowance based on your income. Have you not fully utilized previous years? Then you can still use it up to 10 years back via your reserve space.
How can I calculate my self-employed pension?
Do you want to know how much you can contribute or what amount you could have later? Then you can easily calculate your self-employed pension based on your income, annual allowance (jaarruimte), and goals. Use our calculator tool on this page or contact us, and we will be happy to help you.
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.
