Difficult retirement is a thing of the past.
From small company to professional organization in retirement
This is how you get a small company pension in three steps that supports your company, employees and management for the future.
We will discuss your pension wishes
An extensive discussion about your current situation, what you expect from a pension plan, and what you want to grow towards in the coming years. We will design an arrangement that fits your vision.
Implementation and team onboarding
We ensure a smooth implementation of your pension plan and supervise the onboarding of all team members. Everyone understands what they're getting and appreciates the new benefit.
Maintain and grow
As you grow, your needs also change. The pension scheme is adapting: from attracting talent to retaining employees. With a good pension plan, you take care of the future of your employees in the present.
Why growing companies choose the Vive pension
Modern retirement for growing teams:
attractive for talent, flexible,
without HR overhead.
Attract talent
The war for talent gets more serious as you grow. With a modern, understandable pension, you show that you are a professional employer who takes employment conditions seriously.
Flexible from day one
Start simple for everyone and expand when necessary. Do you have different levels of management, do you want to offer options for freelancers, or is the team international? Vive moves with your organization. The entire scheme can be adjusted according to your own wishes.
No HR overhead
You invite new people in minutes; the rest is automatic. Employees arrange their own plan in one app and see their structure and tax benefits immediately, without the mandatory collective structures or complicated administration.
Technology for small, growing companies
Advanced technology, easy to implement. Vive has built a financial model that calculates thousands of investment scenarios to find the perfect small business retirement strategy for your employees.
For employers, this means that you can offer an institutional-quality pension solution without the complexity of traditional pension funds.
A customized arrangement
Organize retirement as it suits your team. Choose who participates (permanent, part-time, or freelancer), set contributions per person/role/location, and add excess options where appropriate. Even with an international team, you can set up different policies per group.
Everything is easy to adjust later, without starting over.
Easy onboarding
Register an employee, choose the arrangement and you're done. Vive sends the invitation, arranges identification and prepares the personal plan, all administration goes through our app or the employer portal. You keep an overview, your team can start immediately.
All in one app
Manage pensions, goals and assets in one simple app. Employees see what they're building up, invest automatically, and don't have to buy or sell themselves. This makes it very easy to start investing.
It is also a personal account, so when they change jobs, they simply bring their plan (and app) with them.
Make an appointment
Ready for a modern retirement 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 information 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.
What happens if I take out a subscription?
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.
What are the pension costs per employee?
Per participating employee you pay a fixed monthly amount as the employer, plus one-off start-up costs. That amount is the same for everyone, regardless of age or salary, which makes your costs predictable.
That differs from a second-pillar scheme, where the premium often varies per employee. The management fee on accrued capital is paid by the employee. See current amounts on the pricing page.
Is Vive a replacement for my pension scheme?
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.
What is a company pension?
A company pension is supplementary pension on top of your AOW, arranged through work. In its classic form that is a second-pillar scheme your employer contributes to.
Entrepreneurs and zzp'ers can also arrange a form of company pension themselves, via the third pillar. In both cases you build capital with a tax advantage. The difference is who arranges it and how much control you have. Read collective versus individual pension.
What is Vive's mission?
Pension and wealth belong together, but are arranged separately everywhere: fragmented, opaque and complex. Vive brings them together in one app, so you get a grip on today's money for later. We call that toekomstgeld.
Concretely that means: a personal investment strategy for everyone, whether you invest for your pension, a goal or your wealth. Not a standard model portfolio, but a plan that moves with your life. More on about us.
Is a pension mandatory for all employees?
No. As an employer you are only obliged to offer a scheme if you fall under a cao with pension provisions, or under a mandatory industry pension fund.
Without a mandatory scheme you have freedom: you decide who takes part and how much you contribute, and this may differ per employee. Participation by the employee is then voluntary too. Read pensions for employees without a cao.
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.
