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.
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
Deposit and transaction fees
€0
Vive does not charge any fees
Transaction costs within the fund
0.01 - 0.04% p.y.
Participant
Ongoing charges (OCF)
0.11 - 0.17% p.y.
Participant
With Vive, you don't pay any transaction or deposit fees. However, you do pay fund costs (0.11% - 0.17% 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 personal pension? Get to know Vive and discover what’s possible for you.
Complex pension, simply explained - so you know exactly where you stand
A personal consultation tailored to your situation
More clarity in 30 minutes than hours of Googling
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What is DGA pension?
DGA pension is pension accrual for director-major shareholders. Because you are not formally an employee with a regular pension scheme, you have to arrange it yourself.
Since 2017 this can no longer be done in eigen beheer, so accrual runs through the third pillar: you contribute to a lijfrente account from your net salary or privately, and deduct it within your jaarruimte. See pension for entrepreneurs.
What are my pension options as a DGA?
Since pension in eigen beheer was abolished in 2017, as a DGA you have broadly three routes:
- A lijfrente in the third pillar. You contribute privately or from your net salary and deduct it within your jaarruimte. This is the most commonly used route.
- A pension scheme via your own BV with an insurer or PPI, in the second pillar.
- Business investing from the BV. No tax relief on the contribution, but flexible access.
Many DGAs combine the first and third routes. See pension for entrepreneurs and business investing, and discuss the fiscal trade-off with your accountant.
Is my pension as a DGA deductible?
Yes, within your jaarruimte and reserveringsruimte. You contribute privately or from your net salary to a lijfrente account and deduct that amount from your taxable income in box 1.
You deduct at your box 1 bracket rate, up to 49.50% in 2026. Note: your jaarruimte is calculated on last year's salary from the BV, minus the AOW-franchise and any pension accrual. Calculate with the jaarruimte calculator.
What is the advantage of a pension scheme for the self-employed at Vive?
Every lijfrente provider offers the same tax advantage; the difference lies in costs and execution. At Vive:
- No transaction costs and no deposit fees, so your full contribution is invested.
- A personal strategy based on an ALM model, rather than a standard model portfolio.
- Full flexibility in what you contribute, including free pausing.
- Everything in one app, with insight into your accrual and projection.
See pricing or read what pension investing costs.
What is the difference between a self-employed pension and an employed pension?
In employment a pension usually runs automatically through a collective scheme: your employer contributes, participation is often mandatory and you have little influence over execution.
As a zzp'er there is no standard scheme. You decide whether, how much and when you build up, via a third-pillar lijfrente account. More freedom, but also more responsibility, and you carry the investment risk yourself. See pension for entrepreneurs.
What are the costs of Vive?
The costs consist of three parts, two of which go to Vive:
- Subscription — only on the pension plans, per person per month, plus one-off start-up costs.
- Management fee — a tiered percentage of your invested capital.
- Fund costs — these go to the underlying funds, not to Vive.
There are no transaction costs, deposit fees or performance fees. All current amounts and percentages are on the pricing page.
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.
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.
