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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.

The financial model is the engine behind every account. Based on ALM (Asset Liability Model) it builds an investment strategy per person and per goal, tested against thousands of economic scenarios.

Those tests produce the route with the best balance between return and certainty, and that becomes your strategy. If your situation, your goal or the market changes, the model adjusts the strategy automatically. Read the full financial model.

Vive applies ESG criteria when selecting funds: we invest in screened index funds assessed on environmental, social and governance factors. Certain sectors and companies are excluded as a result.

We deliberately call this a light-green approach: it is not impact investing, but a screening applied on top of a broad, diversified portfolio. You can indicate your sustainability preference when setting up your plan. Read our light-green approach or see the funds.

Through statutory asset segregation. Your investments are held in your name at an independent custodian, fully separated from Vive's own assets. Vive manages your portfolio but has no access to the money itself. If Vive were to fail, your investments would not form part of the bankrupt estate and you could transfer them to another provider. The AFM supervises compliance with this. More about our licence on about us.

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.

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.

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.

We only use your data where it is needed: to identify you (CDD/KYC), to determine a suitable investment strategy and to run your account. We share nothing with third parties for commercial purposes. We do exchange necessary data with parties that make the service possible, such as the custodian and the Dutch tax authority. All in line with the GDPR. Read our privacy statement or the article your data, safe at Vive.

In globally diversified, passively managed index funds from established providers such as Vanguard and Northern Trust. Exactly which funds, and in what proportion, depends on your situation, horizon and risk profile.

The funds are screened against ESG criteria and we do not invest in funds charging a performance fee. See the full overview on the funds page, or read the investment policy.