Efficiency that works
for your money
Based on three commonly used standard profiles from the market. The ultimate return depends on the strategy that suits your goal and situation.
- 80% stocks, 20% bonds
- 50% stocks, 50% bonds
- 15% stocks, 85% bonds
The portfolios listed above are included to provide an overview of historical returns and do not constitute an investment recommendation or advice (within the meaning of article 1:1 Wft) or an offer to make financial decisions.
Vive started in August 2021. Returns prior to this date are recalculated based on the historical results of the underlying investments, with Vive's costs deducted. The returns shown are based on an investor with invested assets between €100,000 and €250,000.
The portfolio that Vive puts together for you is always customized and may differ from the portfolios shown above. Past performance is no guarantee for the future.
Make an appointment
Ready for a modern pension 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.
How can I properly interpret the returns chart?
The chart is divided into different standard profiles. These standard profiles show what can happen to the returns of our clients in different scenarios. Pension.
The green line (pension return): This line shows the return of pension investing. Asset management and goal-oriented investing.
The purple line (ambitious asset growth): The return of the top 5% of profiles.
The green line (balanced asset growth): The return of the 90% middle profiles.
The orange line (conservative asset growth): The return of the bottom 5% of profiles.
Both charts run from start to end of last month. These charts are only partially representative of Vive's returns. Vive does not use standard profiles, but personalised investment strategies. The return of your personal account may therefore vary from the returns shown.
What is the expected return if I start investing?
Vive does not offer model portfolios but a personalised strategy. So, at Vive, you don't have to choose a profile; one is created and selected for you. However, we would like to tell you what may be customary with model portfolios to give you an idea of what is achievable. Please note that the expected return on investment heavily depends on your investment strategy and market conditions, but in the long term, you can roughly assume the ranges below:
Defensive profile (many bonds, few shares) – 2 – 4 % per year (nominal). This profile aims for stability, with limited fluctuations and a lower return.
Neutral profile (mixed mix of shares/bonds) – 4 – 6 % per year (nominal). This is a commonly used middle profile for pension objectives, with a balance between risk and return.
Offensive profile (many shares, alternative investments) – 6 – 8 % (–10 % to +15 % in extreme years) per year (nominal).
This profile offers the highest long-term growth potential but experiences the greatest price fluctuations.
If you want to view our historical returns, you can do so on the "rendement" page under "hulpmiddelen."
What is the expected return at Vive?
Vive can never guarantee the return on goal-based investments, asset management, or pension returns. What we can do is make estimates of returns over several years to express an expectation.
Making these estimates is particularly important for setting a pension expectation, for example, what your accrual and payout will be at retirement date. Ultimately, the result may vary due to market fluctuations and personal choices.
If you wish to view our historical returns, you can do so on the returns page under "tools."
What are the costs of Vive?
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.