All in one system
Retirement for your startup as a basis for growth.
With Vive, you can arrange a pension plan in three steps
that your team can really build on.
Design your own pension
In a short conversation, we will discuss your preferences and the options that are all possible. After that, together with you, we will create a pension plan that fits: modern, flexible and without unnecessary red tape.
Hassle-free deployment
From legal documentation to app onboarding for your team - we'll take care of everything. In one week, you will have a complete pension plan that works, including enthusiastic team members.
Scales with your growth
New team members can be connected as they please. Are you growing from 3 to 15 people? No problem. Your startup's pension plan grows with you without extra complexity or administration.
Why startups choose to retire with Vive
From operational simple retirement to
an employment condition that you
employer brand is improving.
Attracting and Retaining Talent
In a tight labor market, you stand out with a modern pension that people actually understand and appreciate. Show that you are an employer that invests in people, not just in the business.
Zero admin overhead
No HR department? No problem. Just let us know when someone joins or leaves - we'll take care of the rest. From onboarding to leaving, we handle all contact and administration for you.
Flexible, like you
Changing budgets? Different forms of contract? International team members? Varying income? Vive adapts to your startup reality, not the other way around.
Retirement technology built for modern teams
Advanced technology, easy to implement. Vive has built a financial model that calculates thousands of investment scenarios to find the perfect strategy for your employees.
Flexible contributions and sponsorships
As an employer, you control the entire arrangement in your own hands. Set if/who you sponsor per person (or team), how much you invest for each person, or the type of contract, and adjust it at any time. Employees can see their contribution in the app.
Invite and onboard in minutes
Easily send retirement invitations to employees; employees can then get started with the in-app onboarding, tutorials and push notifications themselves. Their retirement plan is ready to use — no extra paperwork. If an employee leaves, offboard them easily, they can easily take their Vive retirement account with them.
Real-time guidance
An “asset manager in your pocket” for your team. This way, they have continuous insight into their pension, or other investments that they can make via Vive. They also receive suggestions to keep their plans on track. All arranged in the app and personalized per person.
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.
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.
