Tax-efficient
Your deposit is deductible within your annual allowance
Customisation
A fully personalised strategy — no standard A/B/C profiles.
Always insightful
Real-time insight into how your money is working — via the Vive app.
One app, two business types
Whether you invoice as a freelancer or pay yourself a salary from your company, with Vive you build a pension that’s truly yours.
Freelancer/Self-employed
As a self-employed professional or freelancer, you want flexibility in your investments — the freedom to take breaks when needed and make additional contributions at the end of the year. Vive adapts to your rhythm.
Director-Owner (Major Shareholder)
Your business doesn't have to be the only pot you build. As a Director-Owner, you accrue your own pension. Deposit money every month and build up a pension step by step.
Important: Your pension pot is in your name. Always.
Even if you return to employment later.
Retirement investing or just investing?
Many entrepreneurs invest for the future — but not everyone does so in a tax-efficient way.
Blocked until retirement, with tax benefits
3rd pillar (annuity/pension)
Flexible access, no tax benefits
4th pillar (flexible investment/goal-based plan)
Complex pension, simply explained
Want to know more about Vive's pension?
Our free pension brochure helps you easily understand how to build a pension as an entrepreneur.
How to arrange your pension entirely via Vive, in one app
How easy and fast our onboarding process is
How we offer competitive pricing with no hidden costs
In your mailbox within 1 minute
Tax benefits you don't want to miss
As an entrepreneur, you don’t have access to the 2nd pillar (employer pension). But the third pillar offers significant opportunities — if you know how it works..
Deductible contributions
Contributions made within available annual and carryforward allowance are deductible from your taxable income. Part of the contribution is refunded on your tax return.
No wealth tax
Your pension account is excluded from Box 3. No wealth tax is due on your assets during the accumulation phase.
Less tax later
During the payout phase, your pension income is taxed — but usually at a lower tax rate than today. This means you keep more net income.
Discover your 2026 Annual Allowance
Including the tax benefit.
Would you like to learn more about your annual allowance and the benefits of pension investing? Feel free to schedule a free appointment with one of our experts.
* For the indicative tax refund, we use the 2025 rates. These are bracket 1: Up to €38,441, a rate of 35.82%; bracket 2: Between €38,441 and €76,817, a rate of 37.48%; bracket 3: For incomes above €76,817, a rate of 49.50%. The actual amount you get back depends on your personal situation. Terms apply.
How Vive works
Set-up in 3 steps.
Introduction and account opening
Schedule a free appointment. We’ll discuss your goals, income, and risk preferences. You can then easily open your pension account online (±5 minutes) and sign the agreement.
App download and verification
You’ll receive an invitation to the Vive app. Download the app, log in, and complete the onboarding process. We’ll then carry out a quick identity check (required by law), after which you can get started.
Start contributing
Your retirement account is active. Make contributions whenever it suits you — manually or via recurring payments. Easily track your progress in the app.
Would you like to schedule an appointment for more information, or get started right away? Our pension experts are happy to help.
Fully customised investing
No standard A/B/C profile,
just a personal strategy.
Widely diversified, globally invested
Vive invests on your behalf in passive index funds. Spanning thousands of companies across multiple sectors. Fully ESG-screened, at low cost.
Lifecycle investing
Risk is gradually reduced as you near retirement — maximising growth during accumulation and protecting your assets during decumulation.
Your money, automatically balanced
As markets move, your portfolio adapts — without you having to do anything. This is how we maintain your personal strategy.
While most investment providers rely on standard profiles, Vive works differently. We build a strategy based on your goals, time horizon, and personal situation — not a one-size-fits-all solution.
How to contribute as a Director-Owner
As a director-owner, you can build a tax-efficient pension. But there are rules to consider.
Pension accrual through salary
As a director-owner, you pay yourself a customary salary from your company and are legally considered an employee.
Always contribute from your personal account
Contributions must be made from your net salary to qualify for the tax benefit.
Vive’s costs are deductible as business expenses.
You can pay both the monthly and one-off costs through your company and include them as operating expenses.
Live
Alle accounts zijn actief en jij hebt overzicht via het dashboard. Je bepaalt per maand wie je sponsort en hoeveel. Klaar.
Important: Always make pension contributions from your personal account — not directly from your company or holding company. Otherwise, you will lose the tax benefit entirely. Want to learn more?
Transparent pricing
We believe in fair comparisons. Apples to apples.
Costs
Amount
Type of costs
Onboarding and Know-Your-Customer (KYC)
€45 p.p.
One-time
Service & support
€7.50 per month
Monthly
Management by Vive
0.35% p.y.
Yearly
With Vive, you don't pay any transaction or deposit fees. However, you do pay fund costs (0.13% - 0.19% p.y.) for investments with our partners.
“What sets Vive apart from other pension solutions is that you have a lot of freedom in the plan that you can use. You can provide much more customization.”
Check out the full case study with FYBE Finance
or other customers on our case study page.
or other customers on our case study page.
Make an appointment
Ready for a modern pension or wealth solution? Get to know Vive and discover what’s possible — for your organisation.
Complex pension, simply explained - so you know exactly where you stand
A personal consultation tailored to your situation and that of your employees
More clarity in 30 minutes than hours of Googling
Plenty of time for questions with our experienced pension experts
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What is DGA pension?
A pension solution specifically for majority shareholders/managing directors. Because you are not an employee, you have to arrange this yourself. Via Vive, you can do this easily, with tax advantages and completely at your own pace.
What are my pension options as a majority shareholder-director?
You can choose a banking annuity, investment solution or a combination of both. At Vive, we combine ease of use with smart wealth accumulation. Do you want to calculate your pension as a DGA (Director/Shareholder)? You can do that directly in the app.
Is my pension as a director and major shareholder deductible?
Yes, in many cases. The Director-Major Shareholder (DGA) pension is deductible within your annual margin. This means building up a pension not only pays off later, but also provides a tax advantage now.
What is the advantage of a pension scheme for self-employed persons at Vive?
The advantage lies in access to professional asset management and low, clear costs, such as those that larger employers and funds also have. This means: better conditions for your own pension pot, without being tied to strict rules.
What is the difference between a self-employed pension and an employed person's pension?
If you are in paid employment, your pension is often part of a collective scheme through your employer. The accrual happens automatically, and you have little influence over it yourself. For self-employed individuals (zzp’ers), there is no standard scheme: you must arrange your own pension accrual. At Vive, you do this through your own pension account, where you can make flexible contributions and arrange everything yourself. Simple, insightful, and with smart investment strategies.
What are the costs of Vive?
How does Vive protect my assets?
Vive considers it important to properly protect your money. That is why we take the appropriate measures. Should Vive ever go under, your money is held in a custody firm. The custody firm, where the investments are held, is separate from Vive and ensures that you get all your money back and can transfer your investments to another provider of your choice.
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.
