Wat is flexibel pensioen van Vive?
Fully tailored to your needs.
Vive is a third-pillar pension solution. It’s not a traditional industry-wide pension fund or collective scheme, but a modern, individual pension account (also known as a personal pension or annuity account) that you, as an employer, can sponsor for your team. You decide when to contribute, for whom, and how much.
Scenario 1: Mandatory industry pension scheme (BPF/CAO)
Vive is an excellent supplement. Your employees build up additional pension savings alongside their mandatory scheme, with tax advantages.
Scenario 2: No mandatory (or industry) pension scheme
Vive can serve as your primary pension solution. Offer a modern pension plan without the complexity and costs of a collective fund.
How Vive works
For you as an employer - and for your employees.
For you as an employer
What you do
For your employees
What they get
Elke werkgever stelt pensioen anders in
Dit zijn enkele opties hoe het kan werken.
Set up in 3 steps
From the first meeting to a live pension plan. No hassle.
Getting to know you
We discuss your wishes, decide who will participate and what you want to contribute for whom. After that, we sign the cooperation agreement.
Onboarding
We organize onboarding for your team: digitally or on location. Everyone gets an explanation, access to the app and a personal customer success manager.
Your pension is live
All accounts are activated, with a clear overview in the dashboard. You decide who to sponsor and how much to contribute each month. All set, for your employees and yourself.
Complex pension, simply explained
Want to know more about our pension plan?
Our brochure explains clearly how Vive's pension plan works. No hassle, just clarity.
Among other things, you will read:
How to fully arrange your pension via Vive in one app
How easy and fast our onboarding process works
How we offer a competitive price without hidden costs
In your mailbox within 1 minute
Everything arranged via one portal
Manage all pension plans in just a few minutes per month.
Managing teams and employees
Add employees, track the invitation status, and arrange onboarding and offboarding in just a few clicks.
Set up a deposit per employee
Organize the contribution per person, team or specific contract type. Choose a percentage or fixed amount, with optional matching.
Multiple arrangements possible
From standard pension plans to one-off bonus plans. Assign specific arrangements to employees or simply modify existing ones.
How it works on the payslip
Employers can contribute directly to employees’ annuity accounts while retaining tax benefits.
Net salary deduction
You deduct the contribution from the employee’s net salary and transfer it directly to Vive. The employee can deduct the contribution for income tax purposes.
Amount treated as final levy item
You designate part of the gross salary as a final tax levy. This amount becomes net pay for the employee and is deductible within the available annual allowance.
Important: The contribution must fall within the employee’s annual and/or carryforward allowance. Always coordinate with your payroll administration or tax advisor.
What your employees get with Vive
A pension they understand, can access at any time, and take with them wherever they go.
Tax advantage
The contribution is tax-deductible and does not count towards wealth tax. Vive automatically reports balances to the tax authorities.
Personal pension pot
The pension is in the employee's name and accompanies a job change. Always grip, always continuity.
More than just pensions
How Vive invests
Professional pension and asset management, now accessible to everyone.
Personal Strategy (ALM)
Vive creates a tailored strategy for each employee, based on their goals, time horizon, personal situation, and market expectations. No standard A/B/C profiles.
Passive & diversified
Vive invests on your behalf in index funds from providers such as Northern Trust and Vanguard. These funds are globally diversified, ESG-screened, and dividend-efficient.
Life-cycle investing
Automatic risk reduction towards retirement. Fewer stocks, more bonds as the retirement date approaches. Optimized based on your life.
Vive invests for each person with a tailored strategy. Personal, diversified and fully optimized.
Your assets and pension
Completely safe and supervised.
Trusted by over 2,500 happy customers
Technology that employers and employees understand.
Vive brings everything together for retirement and investment.
Transparent pricing
No fine print. Here's exactly what you pay.
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
Persoonlijk gesprek voor jouw situatie en die van je werknemers
More clarity than hours of Googling in 30 minutes
Plenty of room for questions to our experienced pension experts
Frequently Asked Questions
Dit zijn de meestgestelde vragen die wij krijgen over pensioen regelen voor je werknemers.
How does the sponsorship of pension accounts work?
Sponsoring means you, as the employer, cover the subscription and start-up costs of the pension account. You decide each month whom you sponsor and with what amount, and you can set this differently per employee or per team.
The management fee on the invested capital is paid by the employee. If you wish, the costs can be handled within the WKR; check this with your payroll administration. See pricing or the setup on pension for employees.
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 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.
How does Vive protect my assets?
Through statutory asset segregation. Your investments are held in your name at an independent custodian, fully separated from Vive's own assets. Vive manages your portfolio but has no access to the money itself. If Vive were to fail, your investments would not form part of the bankrupt estate and you could transfer them to another provider. The AFM supervises compliance with this. More about our licence on about us.
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.
What if an employee leaves?
You report it to your customer success manager or via the employer portal, and we process it in the administration. Your subscription is adjusted accordingly; scaling up or down is possible monthly.
The pension account itself stays with the employee. We contact them about what changes: the account remains, but the sponsorship stops. The employee can keep contributing themselves or have the account sponsored later by a new employer.
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.
