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.
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.
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.
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 the difference between AOW and a company pension?
AOW is the state basic pension, the first pillar. Everyone living or working in the Netherlands accrues AOW, regardless of income or profession. It is a fixed amount, not a percentage of your salary.
A company pension comes on top and does depend on your income and your scheme. For most people AOW alone is not enough to maintain their standard of living. Read when do I get AOW.
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.
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.
