Fully customized pension investments
At Vive, your pension is tailored to you.
Many providers think of a standard profile when it comes to pension investing: defensive, neutral or offensive. But your financial goals are unique. Why settle for a one-size-fits-all approach? With Vive, you get a personal strategy. You decide the deposit. This is how you build up a pension that really suits you.
Personal pension
You choose how much to invest, when to adjust it and how your pension is accrued. Our smart investment app changes with your age and situation. You will always be at the wheel.
Insight and control
With Vive, you can see your pension accrual at a glance: how much you've invested, how your assets are developing and what to expect in the future. This way, you stay involved and in control.
With all the benefits
Your investment provides tax benefits through tax deductions and increases the chance of capital growth, because you invest for the long term and thus take full advantage of return on return.
The app for your future money
Why retirement investing works with Vive
At Vive, we look at pension investing differently. Many people have lost sight of things due to opaque regulations or a jumble of old jars. We believe that retirement should change with your life. No complicated choices, but insight, flexibility and control. All from one smart app.
Insight
Vive is an investment firm. Supervised by De Nederlandsche Bank and the Financial Markets Authority.
Tax benefits
A life, work or preference changes. The strategy is adapting. Arranged in just a few clicks. Always in control.
Risk Management
Passive index funds. Diversified investments worldwide. Used by institutional investors.
Get started with Vive right away
Make your pension grow optimally with pension investments
Advanced tools, easy to use. Vive has built a financial model that calculates thousands of investment scenarios to find the perfect strategy for your retirement goal.
Your own pension with a Direct Overview
With Vive, each plan has its own strategy for each user. This way, we can invest specifically for you, completely tailored to you.
And with our dashboard, you get a complete overview of your pension: see what you have now, how it can grow and where you can end up, based on your life, the market, and time. All at a glance.
the app for your future money
Automatically optimized
With automatic optimization, your plan adapts smartly to market movements, your age to retirement, and much more. This way, it continuously improves and always remains tailored to your situation.
Smart risk reduction
With smart risk management, your wealth grows where possible, but the risk automatically decreases towards retirement. This way, your money is safe when you need it.
the app for your future money
Complex pension, simply explained
Want to know more about retirement for you?
Our free pension brochure helps you easily understand how to accrue pension as an entrepreneur.
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
Retirement made for you and your team
Vive brings everything together. From strategy to execution. From dashboard to action. Everything in one place, in your hand.
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 interview 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 is Pension Investing?
Pension investing is building up your pension by investing in financial products (such as shares, bonds, and investment funds) instead of just saving. The goal is to create extra capital that you can use later in addition to your pension payment, alongside the basic state pension (AOW) and any collective pension scheme.
How does pension investing work?
Pensions investment is investing for retirement. The money is locked up until your retirement age, so it's difficult to access. However, in exchange for locking up your money, you get a lot back.
1. Tax advantage on your tax return in the form of a "cashback."
2. All pension contributions are exempt from wealth tax until retirement, including the returns.
3. Pension contributions are deducted from your taxable income, so it becomes lower, and you keep more. By investing, you also let the money you have grow in a diversified portfolio that suits your life stage. This way, you build up extra retirement savings with potentially higher returns than saving, while automatic rebalancing ensures manageable risks.
What is the difference between pension investing and regular investing?
Pensions investing offers tax advantages: contributions are often deductible from your taxable income, which means less tax needs to be paid. Also, no tax is levied on the accumulated capital. However, this money is locked up until the pension date. With regular investing, the money is freely accessible, but the tax advantage is missing. Pensions investing is therefore less flexible, but attractive if you want to build up targeted capital for later.
Wat zijn de voordelen van pensioenbeleggen?
Als zelfstandige of eigenaar van een eenmanszaak kun je via pensioenbeleggen fiscaal voordelig vermogen opbouwen voor later. Je inleg is vaak aftrekbaar, je betaalt geen vermogensbelasting over het opgebouwde bedrag en je profiteert van het rendement op beleggingen.
What are the risks of pension investing?
The value of your investments can fluctuate, so investing carries risks. At Vive, we align the investment risk with your situation and automatically reduce your risk as your retirement date approaches.
How much can I invest in my pension fund?
The maximum contribution depends on your fiscal annual allowance and any reserveringsruimte. These are calculated annually based on income and previous pension accrual. Vive helps you to utilize your available space within the legal frameworks, so that pension investing remains fiscally advantageous.
How much tax benefit do I get when investing for a pension?
This depends on your income. Do you earn more than €40,000? Then you will get 37.48% of your contribution back. Above €76,817, this is even 49.5%. By making maximum use of your annual margin, the benefit can reach up to €17,000 per year. In addition, you do not pay wealth tax on your pension accrual.
How flexible are the pension investment options with Vive?
Completely flexible. You decide when and how much you deposit. From small monthly amounts to large annual deposits. You can stop, pause, or make extra deposits whenever you want. The only thing that is fixed: your money remains in the account until your retirement.
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.
