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Vive's costs can be found on the rates page.

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Asset management is the deliberate and professional management of financial resources (capital) to achieve a return in line with predetermined goals and risk profile.

Asset management is investing to grow your wealth. It is a service where a professional manager invests on your behalf with the aim of achieving your financial goals given your financial situation.

Once the strategy is in place, the manager executes all transactions and continuously monitors the composition of your portfolio. When the market moves significantly, it is automatically "rebalanced" to maintain the desired ratios. At the same time, you receive regular reports with insight into returns, risk, and progress compared to your goal.

If your situation or market conditions change, we adjust by adapting the strategy. In this way, asset management not only ensures that your invested capital grows, but also that you always remain in line with what you have in mind – without you having to monitor it daily yourself.

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."

Pensions investing offers tax advantages: contributions are often deductible from your taxable income, which means less tax needs to be paid. Also, no tax is levied on the accumulated capital. However, this money is locked up until the pension date. With regular investing, the money is freely accessible, but the tax advantage is missing. Pensions investing is therefore less flexible, but attractive if you want to build up targeted capital for later.

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Vive invests in funds that match your financial situation, wishes, and preferences. We do this with trusted parties such as Vanguard and Northern Trust. Want to know more about which funds these are? Then visit our funds page under "tools."

Here we explain everything about the funds you invest in.

Here you can find all the funds.

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