Pricing and plans

No, the accrued pension is legally fixed until the state pension age. In some exceptional cases, it can be taken earlier, for example, in the event of long-term incapacity for work or emigration. Outside of these exceptions, a fiscal fine applies and the amount is taxed as income.

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Vive invests based on your financial situation. We never take risks outside of your financial profile.

However, we believe you can achieve maximum return by investing more aggressively in your younger years. This is a period when you have plenty of time to absorb losses, but still lots of time for the money to grow. As you get closer to your goal or retirement age, we slowly reduce the risk. This way, you retain the accrued money, even if the market goes up and down.

This strategy is maintained for both goal-based and retirement investing. For wealth management, we do not reduce the risk. This has no end date.

Vive ensures that your investment strategy is entirely built around you. This means that, depending on your stage of life and your financial situation, your investment strategy will be adjusted. This is how Vive personalises your investment strategy.

Here you can read more about the financial model and personalisation.

In short: we first ask you a number of questions. We then create a tailor-made investment plan based on your answers and execute it for you.

‍Here you can read exactly how we will invest for you.

Vive is a fully-fledged pension scheme in the third pillar. You can offer it to your employees without any problems. If you already have a collective pension, or if your company falls under an industry-wide pension scheme, then the situation is different. Vive can then help to form a flexible layer on top of your existing collective pension. More about this can be found on the following page: pensions for employees

If you take out a subscription with Vive, we will send a confirmation email with all the registration information. We will then immediately start working on creating your account. For individuals starting to invest via Vive, their account can be set up within 1 hour.

The longer turnaround time may be due to the CDD/KYC check performed after registration. For companies, freelancers (ZZP'ers), or entrepreneurs, accounts with Vive are created within 1-2 working day(s) (excluding weekends). We always try to create an account for you on the same day, however, the CDD/KYC sometimes takes longer.

The lead time from application to implementation can always be discussed. We often see that companies want to wait a bit longer before creating accounts. We see that employers often want to inform their employees in advance about the new employment benefit.

For individuals starting to invest via Vive, their account can be set up within 1 hour.

The longer turnaround time may be due to the CDD/KYC check performed after registration. For companies, freelancers (ZZP'ers), or entrepreneurs, accounts at Vive are created within 1-2 working day(s).

We always try to create an account for you on the same day, however, the CDD/KYC process sometimes takes longer. The lead time from application to implementation can always be discussed. We often see that companies want to wait a little longer before creating accounts. We notice that employers often want to inform their employees beforehand about the new employment benefit.