Starting to invest: your first steps with Vive

At Vive, we believe investing should be simple and accessible to everyone. Whether you're a first-time investor or already have some experience, we make the process clear and even a little fun. In this blog, we'll walk you step by step through the process of starting to invest through Vive, so you can start building your financial future with confidence.

How do you get started investing through Vive?

At Vive, you'll take your first steps into the investment market quickly and easily. 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 sign-up process is simple and straightforward. You go through a few questions and identity checks (required by law), but we explain everything clearly.

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

2. Choose your investment profile or goal 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 wealth, keep it constant, or just invest toward a specific goal? Based on your choices and your previously answered questions, we create an appropriate 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 (daring, more stocks), and options in between.

‍
Example: You are looking for a balanced approach: you want growth, but also not too much risk. In the app, you indicate how you view risk and what your goal is. Vive then sets up a profile for you, for example, "Neutral" or "Offensive."

3. Make your first deposit
Time to deposit money. You can make a one-time deposit and, if you want, set up an automatic periodic deposit (e.g. monthly). This way, you slowly but surely build your future. You don't have to make difficult choices about which shares or funds to buy - Vive does that for you, matching your profile.

‍
Example: You decide to invest €500 as a starting amount and also set up an automatic monthly deposit of €100. This way, your capital grows steadily without you having to worry about it. Vive spreads your deposit over different funds according to your profile, so you start off well-spread.

4. Track your investments
Through the Vive app, you'll always have insight into how your investments are performing. You'll hopefully see your assets grow, and should anything change in your personal situation or goals, you can update your data. Vive will then automatically adjust your strategy as needed. Everything remains tailored to your personal situation, so you always stay on track towards your goal.

‍
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 rebalanced to keep it in line with your profile - this happens automatically. You like the fact that this keeps you engaged through the app without being complicated.

What does investing yield and what are the potential returns?

Vive is all about growing your wealth, one step at a time. The returns you can achieve depend on several factors, such as your chosen strategy and market conditions. Historically, average returns on a broad equity portfolio are between 5% and 7% per year. This means you can get nice results over the long term, especially with the interest-on-interest effect. Of course, returns are never guaranteed and investments have ups and downs. But by investing in a diversified way and for the long term, you significantly increase your chances of a good result.

With Vive, you also benefit from index investing. We track major market indices with low costs, which means more of your money goes to work instead of being spent on high fees. That's how you build your wealth efficiently.

Tip: Also consider the long term: the longer you invest, the greater the effect of compound returns. A small start today may have become much bigger 20 years from now. Need help with a long-term plan? Then check out our blog on how to build a financial plan for the future (internal link).

What can you do now?

Are you interested in investing, but want more information? At Vive, we're ready to help you reach 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'll make sure you're always on the right track and understand your investments. You can also reach us by simply sending us an e-mail with all your questions. We will then try to answer them as best we can!

Take your first step today: open a Vive account and start investing for your future - we'd love to help you get started!