Getting started with investing: your first steps with Vive

At Vive, we believe that investing should be simple and accessible to everyone. Whether you are investing for the first time or already have some experience, we make the process clear and even a little fun. In this blog, we guide you step by step through the process of starting to invest via Vive, so that you can confidently start building your financial future.

How do you start investing with Vive?

At Vive, you can quickly and easily take your first steps in the investment market. Here's how it works:

1. Open an investment account
Download the Vive app or go to our website and open your investment account within minutes. The registration process is simple and clear. You go through a few questions and identity checks (required by law), but we explain everything clearly.

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Example: Suppose you have just started your first job and want to get off to a good start with saving and investing for the future. You download the Vive app and create your account in no time. The process is simple and everything is explained step by step, so you know exactly what to do.

2. Choose your investment profile or target plan
Every investor is different. In the Vive app, new users answer a few simple questions about their goal, financial situation and how much risk they can handle. Then you can choose a strategy, do you want to grow your assets, keep them constant, or invest towards a specific goal? Based on your choice and your previously answered questions, we will create a suitable investment profile for you. Depending on these choices, we create a profile that invests for you, this profile can vary from defensive (more cautious, more bonds) to offensive (dare, more shares), and options in between.

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Example: You are looking for a balanced approach: you want growth, but not too much risk. In the app, you indicate your attitude towards risk and your goal. Vive then suggests a profile for you, for example “Neutral” or "Aggressive."

3. Make your first deposit
Time to deposit money. You can transfer an amount once and, if you want, immediately set up an automatic periodic deposit (for example, monthly). This way you slowly but surely build towards your future. You don't have to make difficult choices about which shares or funds to buy yourself – Vive does that for you, matching your profile.

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Example: You decide to invest €500 as a starting amount and also set up an automatic monthly deposit of €100. This way your assets grow steadily, without you having to worry about it. Vive spreads your deposit over various funds according to your profile, so you start with a good spread right away.

4. Track your investments
Via the Vive app you always have insight into how your investments are performing. You will hopefully see your assets grow, and if something changes in your personal situation or goal, you can update your details. Vive will then automatically adjust your strategy if necessary. Everything remains tailored to your personal situation, so you always stay on course towards your goal.

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Example: A few months later, you open the app and see that your investments have grown. You also read that Vive recently rebalanced your portfolio slightly to keep it in line with your profile – this happens automatically. You appreciate being kept informed via the app without it being complicated.

What does investing yield and what are the potential returns?

At Vive, it's all about growing your wealth, step by step. The return you can achieve depends on various factors, such as your chosen strategy and market conditions. Historically, average returns on a broad equity portfolio have been between 5% and 7% per year. This means that you can achieve great results over the long term, especially with the compound interest effect. Of course, returns are never guaranteed and investments have ups and downs. But by investing in a diversified manner and for the long term, you significantly increase the chance of a good result.

With Vive you also benefit from index investing. We follow important market indexes at low cost, which means that more of your money goes to work instead of being spent on high fees. This is how you efficiently build your wealth.

Tip: Also think about the long term: the longer you invest, the greater the effect of compound returns. A small start today can become much bigger in 20 years. Do you need help with a long-term plan? Then check out our blog about how to create a financial plan for the future (internal link).

What can you do now?

Are you interested in investing, but would like more information? At Vive, we are ready to help you achieve your financial goals. With our simple steps and smart technology, you can start investing with confidence. Whether you want to invest defensively or offensively, we ensure that you are always on the right track and understand your investments. You can also reach us by simply sending an email with all your questions. We will try to answer them as well as possible!

Take your first step today: open a Vive account and start investing for your future – we are happy to help you get started!