Pricing and plans

No, accrued pension is fiscally locked until your retirement date. In exceptional cases it can be earlier, for example with long-term incapacity for work or emigration.

Outside those exceptions, surrender counts as negative uitgaven voor inkomensvoorzieningen: the amount is taxed as income and you usually pay 20% revisierente. You can, however, choose when your benefit starts, from five years before your AOW age. Read taking your pension investment earlier.

Investing always carries risk: you can lose part or all of your contribution. Vive invests within your financial profile and takes no risk outside it.

In your younger years we generally invest more offensively, because you have time to absorb fluctuations. As your goal or retirement date approaches, we reduce risk step by step. For wealth management we don't, because there is no end date. Read the full investment policy.

Your strategy is built around you, not picked from a list of model portfolios. We look at your age, your financial situation, your horizon, your goal and your sustainability preferences. Our model determines the investment mix from there.

If something changes in your life or your goal, the strategy adjusts automatically, and towards your retirement date we reduce risk step by step. Read more about the financial model or the article personalisation, for real this time.

The investment policy sets out exactly how we invest: which funds we select, how we diversify, how we reduce risk towards your end date and how we apply ESG criteria.

To understand how your personal strategy is built, read the financial model. For the funds themselves see the funds page, and historical figures are under returns. Read the full investment policy here.

Vive is a fully-fledged pension scheme in the third pillar. If you don't yet have a scheme, you can set one up through Vive and offer it to your employees.

If you already have a collective scheme, or fall under a mandatory industry pension fund, the situation is different. Vive does not replace that scheme, but can sit on top of it as a flexible layer that employees steer themselves. See the options on pension for employees.

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.

For private individuals starting to invest, the account can be ready within an hour. For companies, zzp'ers and entrepreneurs it is usually 1 to 2 working days, excluding weekends.

Lead time is driven mainly by the CDD/KYC check carried out after registration. We try to create the account the same day, but the check can sometimes take longer. Many employers deliberately schedule the start later, to inform their team first. Start via begin with Vive.