Difficult retirement is a thing of the past.
From pension plan to strategic condition
This is how you get an SME pension in three steps that helps your company grow and does not stop it. Fewer standard arrangements and obligations. So you can focus on what's important:
let the company grow.
You design your own pension
An extensive conversation about your organization, culture, HR strategy and growth ambitions. Together with you, we'll create a pension plan that scales with your plans and helps you attract talent.
No lengthy process
Fast, efficient deployment without disrupting your existing processes. You can continue to grow while we ensure that the pension plan is ready for new team members.
Smart employment
Attract talent with modern employment conditions, retain your best people, and scale flexibly - all without explosives, costs or red tape.
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Why SMEs choose Vive as their pension and investment provider
The pension that is really simple: flexible planning,
little HR hassle and 100% insight for everyone.
Employer brand
In a tight market, you stand out with a pension that people really understand and appreciate. With Vive, you show that you are thinking ahead and investing in your people, something candidates are proud of. Our app makes everything more transparent. Your people now know what each euro costs, where the money is invested and how their wealth grows.
Flexibility
Different positions, salary scales and contract forms? No problem. Vive fits your organizational structure: from junior developer to senior management, from permanent to freelance. Set up the contribution and settings for each team or person, and easily adjust as you grow or change.
No HR overhead
Growing from 80 to 150 people without extra red tape is difficult. Vive ensures that retirement is not one of them. You can invite new employees in minutes; onboarding and management are done via our portal and app. No complex migrations, no extra paperwork, just a pension plan that moves with your growth.
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Technology that makes retirement easy for SMEs
Scalable technology for growing organizations. Vive has built a financial model that calculates thousands of investment scenarios to find the perfect strategy for your employees.
The technology automatically scales from 50 to 200+ people, while employees get full insight into their pension accrual via personal dashboards and dedicated support for your SME organization.
A customized arrangement
Organize retirement as it suits your team. Choose who participates (permanent, part-time, or freelancer), set contributions per person/role/location, and add excess options where appropriate. Even with an international team, you can set up different policies per group.
Everything is easy to adjust later, without starting over.
Easy onboarding
Register an employee, choose the arrangement and you're done. Vive sends the invitation, arranges identification and prepares the personal plan, all administration goes through our app or the employer portal. You keep an overview, your team can start immediately.
dashboard
For employees, Vive is a personal cockpit: at a glance, they see how much has been built up, what is coming in every month and what they are working towards, in real time and always up to date.
For employers, there is the clear portal: see who is participating, what contribution everyone receives and what scheme they are in. Inviting and unsubscribing takes minutes, so onboarding and offboarding run smoothly and without extra administration.
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?
If you take out a subscription with Vive, we will send a confirmation email with all the registration information. We will then immediately start working on creating your account. For individuals starting to invest via Vive, their account can be set up within 1 hour.
The longer turnaround time may be due to the CDD/KYC check performed after registration. For companies, freelancers (ZZP'ers), or entrepreneurs, accounts with Vive are created within 1-2 working day(s) (excluding weekends). We always try to create an account for you on the same day, however, the CDD/KYC sometimes takes longer.
The lead time from application to implementation can always be discussed. We often see that companies want to wait a bit longer before creating accounts. We see that employers often want to inform their employees in advance about the new employment benefit.
What are the pension costs per employee?
Is Vive a replacement for my pension scheme?
Vive is a fully-fledged pension scheme in the third pillar. You can offer it to your employees without any problems. If you already have a collective pension, or if your company falls under an industry-wide pension scheme, then the situation is different. Vive can then help to form a flexible layer on top of your existing collective pension. More about this can be found on the following page: pensions for employees
What is a company pension?
A company pension is a supplementary pension on top of the state old-age pension (AOW). It is often arranged by an employer who contributes to employees' pension accrual. However, even if you are self-employed, you can arrange a company pension yourself through a pension provider. In both cases, assets are built up for later, with tax advantages.
What is the difference between AOW and company pension?
The AOW is the basic state pension provided by the government. Everyone who lives and/or works in the Netherlands accrues AOW. A company pension is added on top of this and is arranged via your employer or your own business. This is how you build up extra income for later.
What is Vive's mission?
Vive's mission is to give everyone the opportunity to make money work for them. We do this in a simple, personalised way for every person. We do this by creating personal investment strategies for each person. At Vive, you can do this for your own goals (goal-based investing), for asset management, and for the future (pension investing).
This way, we ensure that you have the opportunity to grow your money for different phases in your life.
Is pensioen verplicht voor alle werknemers?
Nee, pensioen is niet verplicht voor alle werknemers. Alleen als je onder een cao valt waarin pensioenopbouw is opgenomen, ben je als werkgever verplicht om een regeling te treffen. Werkgevers zonder cao hebben meer vrijheid. Met Vive kun je pensioen regelen voor werknemers zonder cao op jouw manier – flexibel en persoonlijk. Je hoeft niet iedereen exact dezelfde regeling te geven: je kiest zelf wie je sponsort en hoeveel.
What exactly does Vive offer as a Future Pensions Act (Wtp) scheme?
Under the Future Pensions Act (WTP), Vive offers employers a ready-made pension plan that fully complies with the new rules, focusing on simplicity, flexibility, and clear communication.
The solution ensures that employees can accrue a pension and close their pension gap for the accumulated difference due to the transition to flat-rate premiums.
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.
