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 bouwt een risicoprofiel voor jou
Dit doen we door middel van Value at Risk (VaR).
Wat is VaR?
VaR staat voor Value at Risk. Het geeft aan hoeveel je portefeuille in een slecht jaar kan dalen. In 95% van de gevallen blijft het verlies binnen deze grens.
Bij Vive kies je een maximaal VaR-niveau dat past bij jouw risicobereidheid. Hoe hoger het VaR-niveau, hoe meer risico en doorgaans ook hoe meer potentieel rendement op de lange termijn.
Vive herberekent de VaR van alle portefeuilles elk kwartaal, waardoor de samenstelling periodiek kan wijzigen. Boven 18% VaR geldt een variabele bovengrens: dit noemen we MaxVaR.
Your returns with Vive
at a glance.
* The portfolios 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 capital starting with an initial invested capital of €10,000.
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.
** Returns for 2026 are Year-to-Date (YTD), calculated through the last day of the previous month, and do not represent a final annual return.
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.
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, business and target investments, simply explained
Personal conversation for your situation
More clarity than hours of Googling in 30 minutes
Plenty of room for questions to our experienced experts
Frequently Asked Questions
Everything you need. In one app. In one place. All goals and strategies, always at hand.
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.