Vive's investment strategy
Successful investing doesn't have to be complicated.
Our strategy is based on three clear principles.
Globally diversified investing
Your portfolio consists of various types of investments, such as stocks and bonds from different regions and sectors. By spreading, the risk is better distributed.
Passive investing
Instead of actively trying to beat the market, we're following a passive strategy. Research shows that this is a more efficient approach in the long term. In this way, you benefit from the growth of the global economy.
Long term focus
We are not trying to predict what the market will do tomorrow. We focus on building wealth over years and decades. This prevents unnecessary transactions and helps you stay calm during market movements.
Vive builds a risk profile for you
using Value at Risk (VaR).
What is VaR?
VaR stands for Value at Risk. It indicates how much your portfolio could decline in a bad year. In 95% of cases, the loss will remain within this limit.
At Vive, you choose a maximum VaR level that suits your risk appetite. The higher the VaR level, the greater the risk and, typically, the higher the potential long-term return.
Vive recalculates the VaR of all portfolios every quarter, which means the composition may change periodically. Above 18% VaR, a variable upper limit applies: we call this MaxVaR.
Your returns with Vive
at a glance.
Explanation of our performance chart
The following points provide more information on how Vive's returns are calculated.
Disclaimer performance chart
Past performance is not a reliable indicator of future results. Investing involves risk: you may lose some or all of the money you invest.
The portfolios above are shown purely to illustrate historical returns. They do not constitute investment advice or a recommendation within the meaning of Section 1:1 of the Dutch Financial Supervision Act (Wft), nor an offer to make financial decisions. The portfolio Vive builds for you is always tailored to your situation and may differ from these.
Simulated years (*)
The returns for 2019, 2020 and the period up to August 2021 are simulated and were not actually achieved by clients. Vive has been investing on behalf of clients since August 2021. For the period before that, returns are calculated using the portfolio weightings as at the start date. The costs of the underlying funds and Vive's management fee have been deducted over the entire period shown.
Calculation assumptions
A one-off deposit of €10,000 on the start date, with no further deposits or withdrawals, and with dividends reinvested.
Returns are net: after the ongoing charges of the underlying funds (already reflected in the fund prices) and after Vive's management fee. An investment of €10,000 corresponds to 0.75% per year, the highest rate in our fee tiers. A lower rate applies for larger invested amounts or a sponsored account. See pricing.
What does year-to-date (YTD) mean? (**)
Year-to-date (YTD) means the return from the start of the calendar year up to a given point in that year. It is therefore always part of a year, not a full annual return.
This page is updated monthly. The YTD return shown here runs from 1 January up to and including the last day of the previous calendar month.
What does average annual net return mean?
The average annual net return is the total return over a period converted into a single percentage per year, including the effect of compounding, so that periods of different lengths can be compared. This figure covers both simulated and actual returns.
How are dividends included in the calculation?
Gross dividends have been used. The equity funds have been selected to limit dividend leakage as far as possible. Where dividend withholding tax is creditable against income tax for Dutch investors, that amount is included in the return immediately, whereas in practice you only receive it after filing your tax return for the year in question. Whether and to what extent crediting is possible depends on your personal tax situation.
Discover your personal strategy
What does this
mean for you?
The graphs above show how various investment strategies have developed historically. But every situation is different.
Your return depends, among other things, on:
How much you invest
How long you invest
How much risk you want to take
Calculate your return with the calculator
Why Vive
We build a personal strategy for each user, based on a personalised risk model.
Real personal investing
Your portfolio is compiled based on your goals, horizon and risk appetite. With our ALM model, a strategy is created that matches your personal situation.
All your investments in one place
Invest for retirement, personal goals, business or wealth growth in one app. This way, you can work from head to tail on your financial future with one clear strategy.
Easy investing
With passive and global diversified investing, you benefit from long-term economic growth without actively trading or following the market yourself.
The funds within Vive portfolios
To build portfolios, Vive uses a selection of globally diversified funds.
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Complex pension, business and target investments, simply explained
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Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
What is the expected return at Vive?
Vive cannot guarantee returns. What we do is produce estimates based on thousands of economic scenarios, so you see a range rather than a single figure.
You mainly use that estimate to work out how much to contribute to reach your goal or pension income. The actual result depends on market developments and your own choices. Historical figures are on the returns page. Past performance is no guarantee of future results.
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.
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.