From a complex scheme to a simple pension
With Vive, this is easy.
In three steps, you will transform the pension from a cumbersome and unclear employment condition to a
employee benefit that really works.
Identify your needs
We will talk to you about what you need. How can we best help your employees accrue pension?
Vive works as a modern addition to your existing scheme or as a fully-fledged pension solution for companies that don't have anything yet.
Together, we identify where Vive adds the most value - from creating engagement to providing real control over retirement.
Employees can get started right away
Vive can be live for your company within one week.
Your employees receive personal invitations and go through clear digital onboarding. They immediately experience the benefits, the Vive app in their pocket, tax benefits through tax refunds, and finally real insight into their pension.
Ongoing support
You will have a customer success manager who helps with the onboarding, system and questions you have. Throughout the process and afterwards, our team is ready to provide support.
The result? Employees finally understand their overall pension picture and appreciate the extra options you offer.
Pension is transforming from an administrative burden to a clear advantage.
Why big companies choose Vive's as their modern pension provider
From an incomprehensible arrangement to a strategic advantage
that employees understand and appreciate.
no extra administration
No endless forms, unclear processes or time-consuming compliance checks. Vive's platform takes care of the administration and ensures that HR can focus on strategy instead of paperwork.
Clear in costs and insight
Traditional pensions often have opaque cost structures. Vive offers an easy subscription in the form of a sponsorship. You choose who participates and what they get. Fully flexibly adaptable. This makes it easy to see where each euro goes and why.
Future-proof for WTP regulations
Automatic compliance with the Future Pensions Act and other regulations. Your scheme will always remain compliant without HR having to delve into complex pension legislation.
Technology for Modern Organizations
Customized professional pension solution. Vive connects seamlessly to your HR and payroll software to facilitate automatic retirement for your employees. This way, every employee gets an account, deposit and onboarding. If they leave, you can easily arrange it via our portal.
A customized arrangement
With Vive, you can easily create customized pension plans. You decide who participates, how much is invested and when. Opt for a fixed amount or percentage, and possibly let employees contribute themselves. This is how you arrange a pension that suits your company and your team.
Manage employees in our portal
Efficiently manage your pension plan and employees with our portal. Easily step up, set up the contribution and start their onboarding.
They then receive an invitation to the app and their pension. You don't have to arrange anything else.
Edit information in the blink of an eye
Easily update employee information.
If a person leaves, easily remove them from your pension. They will take their Vive account to the next employer.
If an employee receives more or less pension, adjust the employer contribution.
This way, you or your advisor can easily make changes when necessary.
HR and payroll connections (coming soon)
Simply connect your HR and payroll software to our platform via an API. We automatically read out the correct pension contributions per employee, or prepare the transfer for finance. This way, the administration is effortless.
Is your software not listed? Simply request the connection via your personal customer success manager.
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.
What happens if I take out a subscription?
You receive a confirmation email immediately with all registration details, after which we create your account. For private individuals that can be within an hour; for companies and entrepreneurs usually within 1 to 2 working days, excluding weekends.
Lead time is driven mainly by the CDD/KYC check. You decide when you go live: many employers deliberately wait until their team has been informed about the new benefit. See pricing for the subscription types.
What are the pension costs per employee?
Per participating employee you pay a fixed monthly amount as the employer, plus one-off start-up costs. That amount is the same for everyone, regardless of age or salary, which makes your costs predictable.
That differs from a second-pillar scheme, where the premium often varies per employee. The management fee on accrued capital is paid by the employee. See current amounts on the pricing page.
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 is a company pension?
A company pension is supplementary pension on top of your AOW, arranged through work. In its classic form that is a second-pillar scheme your employer contributes to.
Entrepreneurs and zzp'ers can also arrange a form of company pension themselves, via the third pillar. In both cases you build capital with a tax advantage. The difference is who arranges it and how much control you have. Read collective versus individual pension.
What is Vive's mission?
Pension and wealth belong together, but are arranged separately everywhere: fragmented, opaque and complex. Vive brings them together in one app, so you get a grip on today's money for later. We call that toekomstgeld.
Concretely that means: a personal investment strategy for everyone, whether you invest for your pension, a goal or your wealth. Not a standard model portfolio, but a plan that moves with your life. More on about us.
Is a pension mandatory for all employees?
No. As an employer you are only obliged to offer a scheme if you fall under a cao with pension provisions, or under a mandatory industry pension fund.
Without a mandatory scheme you have freedom: you decide who takes part and how much you contribute, and this may differ per employee. Participation by the employee is then voluntary too. Read pensions for employees without a cao.
What does Vive offer employers around the Wtp?
Vive is not a Wtp scheme. The Wet toekomst pensioenen concerns second-pillar pension schemes, which fall under the Pensioenwet. Vive offers a lijfrente arrangement in the third pillar and therefore falls outside it.
What Vive does offer employers around the Wtp: a flexible layer on top of the second pillar via the werkgeverslijfrente, for example to absorb a compensation issue in the move to flat premiums. And for employers without a scheme: a way to set one up. See pension for employees.
What exactly does Vive offer as a pension scheme?
A third-pillar lijfrente arrangement, where every participant has their own account in their own name. Concretely you get:
- A personal investment strategy per participant, moving with age and retirement date.
- An employer portal to manage participants, contributions and reporting.
- An app where employees see their accrual and projection.
- Onboarding for your team, online or on site, and a dedicated customer success manager.
- Full flexibility in who takes part and how much you contribute.
See the full setup on pension for employees or request the brochure.
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.
