# Vive App > Vive is a Dutch fintech company offering a mobile-first platform for pension investing and wealth management. Licensed by AFM and DNB, Vive provides personalized investment strategies using ALM technology, partnering with Vanguard, BlackRock, and Northern Trust to deliver institutional-quality index fund investing to individuals and businesses. Vive serves four main segments: individuals building personal wealth, employees with employer-sponsored pension accounts, entrepreneurs/freelancers (ZZP) seeking flexible retirement solutions, and businesses of all sizes (2-500+ employees) offering pension benefits. Key features include tax-advantaged pension investing (jaarruimte deductions up to 49.5%), goal-based investing with automatic rebalancing, and lifecycle risk management. Management fees for pension solutions are 0.35%, and for wealth management from 0.55% to 0.75% annually based on assests under management. ## Overview - [Homepage](https://www.viveapp.com): Dutch fintech platform combining pension investing, goal-based investing, and wealth management in one mobile app. - [How It Works](https://www.viveapp.com/hoe-het-werkt): Three-step onboarding process: download app, create account, receive personalized ALM-based investment strategy. - [About Us](https://www.viveapp.com/over-ons): AFM/DNB-licensed asset manager using ESG-screened funds from Vanguard, BlackRock, and Northern Trust. - [Pricing](https://www.viveapp.com/tarieven): Set management fee for pensioen solutions of 0.35% and tiered management fees 0.55-0.75% annually based on assets; no transaction or storage costs. ## Products and Services - [Pension Investing](https://www.viveapp.com/pensioenbeleggen): Tax-advantaged retirement investing with deductible contributions, Box 3 exemption, and lifecycle risk management. - [Goal-Based Investing](https://www.viveapp.com/doelbeleggen): Custom investment strategies for specific targets like houses, trips, or education with flexible withdrawals. - [Wealth Management](https://www.viveapp.com/vermogensbeheer): Professional portfolio management with personalized strategies, automatic rebalancing, and ALM technology. - [Pension for Employers](https://www.viveapp.com/pensioen-voor-werknemers): Third-pillar pension solution for businesses with employer portal, customizable contributions, and portable employee accounts. - [Pension for Entrepreneurs](https://www.viveapp.com/pensioen-voor-ondernemers): Flexible pension for DGAs and freelancers with variable contributions, tax deductions, and income-adaptive deposits. ## Business Solutions - [Individual](https://www.viveapp.com/individueel): Personal pension and wealth investing for individuals with tax-advantaged retirement savings. - [Micro Business](https://www.viveapp.com/microbedrijf): Startup pension solution for 2-10 employees with zero admin overhead and fast implementation. - [Small Business](https://www.viveapp.com/kleinbedrijf): Scalable pension for 11-50 employees that professionalizes with growing companies. - [Medium Business](https://www.viveapp.com/middenbedrijf): MKB pension for 51-200 employees with employer portal, dedicated support, and full compliance. - [Large Business](https://www.viveapp.com/grootbedrijf): Enterprise pension for 201-500 employees with HR-friendly administration and WTP compliance. - [Case Studies](https://www.viveapp.com/cases): Customer success stories from startups to growing companies showcasing flexible pension implementations. ## Tools and Calculators - [Pension Calculator](https://www.viveapp.com/bereken-pensioen): Projects retirement income with optimistic, realistic, and pessimistic scenarios based on contributions. - [Annual Allowance Calculator](https://www.viveapp.com/bereken-jaarruimte): Determines tax-deductible pension contribution limits using income, AOW franchise, and Factor A. - [Reserve Allowance Calculator](https://www.viveapp.com/bereken-reserveringsruimte): Sums unused annual pension allowances from past 10 years for tax-advantaged catch-up contributions. - [Buffer Calculator](https://www.viveapp.com/bereken-buffer): Estimates 3-6 months emergency fund needs based on income, expenses, and employment type. ## Resources - [Investment Funds](https://www.viveapp.com/fondsen): Transparency page showing ESG-screened index funds from Vanguard, Northern Trust, and BlackRock with costs. - [Returns](https://www.viveapp.com/rendement): Historical performance showing strategy returns by profile type with benchmark comparisons. - [FAQ](https://www.viveapp.com/veelgestelde-vragen): Plain-language answers on plans, costs, risk strategy, security, and tax benefits. ## Getting Started - [Get Started](https://www.viveapp.com/begin-met-vive): Onboarding page for Vive Solo (individuals) or Vive Sponsor (employers) with account creation. - [Download App](https://www.viveapp.com/download): Links to iOS App Store and Google Play for the Vive investment app. - [Schedule Appointment](https://www.viveapp.com/afspraak-maken): Book a consultation with Vive pension specialists for a personalized consultation. ## Contact and Support - [Support](https://www.viveapp.com/support): Help via in-app chat, email (support@viveapp.com), or phone on weekdays 09:00-17:00. - [Request Brochure](https://www.viveapp.com/brochure-aanvragen): Download informational brochures about Vive pension solutions for different audiences. ## Legal Documents - [Documents Hub](https://www.viveapp.com/documents): Central repository for all legal, regulatory, and policy documents. - [Client Agreement](https://www.viveapp.com/documents/klantovereenkomst): Standard client agreement terms for Vive investment services. - [General Terms](https://www.viveapp.com/documents/algemene-voorwaarden): General terms and conditions for using Vive services. - [Privacy Statement](https://www.viveapp.com/documents/privacy-statement): Privacy policy explaining data collection, usage, and protection practices. - [Cookie Policy](https://www.viveapp.com/documents/cookie-policy): Information about cookie usage and tracking on Vive platforms. - [Investment Policy](https://www.viveapp.com/documents/investment-policy): Detailed investment policy and strategy documentation. - [Risk Policy](https://www.viveapp.com/documents/risico-beleid): Risk management policy for investment portfolios. - [Sustainability Policy](https://www.viveapp.com/documents/duurzaamheidsbeleid): ESG and sustainable investing policy documentation. - [SFDR Documents](https://www.viveapp.com/documents/sfdr-documenten): EU Sustainable Finance Disclosure Regulation compliance documents. - [Complaints Information](https://www.viveapp.com/documents/klachteninformatie): Procedures for filing and resolving customer complaints. - [Investor Guarantee Scheme](https://www.viveapp.com/documents/garantieregeling-beleggers): Information about investor protection and guarantee coverage. - [Disclaimer](https://www.viveapp.com/documents/disclaimer): Legal disclaimers regarding investment risks and service limitations.