Smart investment management. Make your money work

With wealth management you pay no subscription costs. The costs consist of a management fee on your invested capital, plus the costs of the underlying funds.

The management fee is tiered: higher capital means a lower percentage. If you also hold a pension account on a Solo or Sponsor subscription, a lower rate applies there. See current percentages on the pricing page.

Wealth management means having your capital managed professionally, with a manager investing on your behalf within pre-set goals and a risk profile.

So you don't have to pick funds, place orders or rebalance. Unlike pension investing there is no end date and no fiscal lock: you can access it at any time. More on wealth management or read why have your wealth managed.

You have a professional manager invest on your behalf. First your financial situation, horizon and risk appetite are established, then the strategy is set and executed. You don't have to keep an eye on it.

The manager monitors the composition, rebalances automatically when markets move sharply and adjusts the strategy if your situation changes. Unlike a pension there is no end date, so we do not reduce risk over time. More on wealth management or read what wealth management is and how it works.

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.

The investments can be similar; the difference is in tax treatment and access.

With pension investing your contribution is deductible within your jaarruimte and your capital sits outside box 3 during accrual. In return the money is locked until your retirement date. With regular investing you can always access it, but you miss the tax advantage and your capital counts in box 3. See pension investing and goal-based investing.

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.