How Vive helps you achieve your financial goals.

You know exactly what you want for later. A beautiful house, the best education for your (grand)children, traveling the world carefree, or simply getting more out of your assets. However, most people do not succeed in making these goals come true, even though they try.

Think of, for example, investing on your own, buying cryptos or making an investment here and there. This is often unsuccessful due to insufficient prior knowledge, too little preliminary research, or acting on emotions. In short: consistently investing money to realize your dreams is easier said than done. While it doesn't have to be that difficult. With Vive.

Vive is your personal, digital wealth manager that helps you achieve your financial goals. In this article you can read how we put your money to work for you and why this is so unique.‍

Vive in short

Vive does many different things to achieve your financial goals. That's why we have summarized what we do for you in a concise way:

• Our advanced financial model calculates how our carefully selected funds will perform over the next 30 years and calculates countless portfolios for different risk levels.
• We create a customized investment strategy, entirely based on your financial situation and the settings of your plan, and execute it for you.
• We monitor your portfolio and give you suggestions to keep you on track.
  

The financial model

Vive has built an advanced financial model to predict what the market will look like over the next 30 years. This is the Vive Platform. Our platform calculates thousands of possible scenarios, taking into account the relationship between our various investment funds, economic scenarios and interest rates. Our forecasts are updated every quarter to incorporate the latest market developments.

A strong investment portfolio consists of a broad portfolio with different types of investments. In this way, we try to spread the risk as much as possible. Our investments are divided over different investment categories that are spread over different geographical regions and sectors. Your money is invested in a mix of sustainable equity funds, bond funds and money market funds. All these funds have been carefully selected on cost profile, performance, risk and sustainability.

Vive calculates within seconds the right mix of funds in portfolios for different risk levels. These are thousands of portfolio distributions based on all the outcomes from the different risk parameters that you can set yourself in the app. This is how we calculate the ideal portfolio mix for you in real time.

Tailored investment strategy and how it is implemented

One of the most successful investors in the world, Warren Buffett, once said that you need a rational plan to make the right decisions, without your emotions playing a role. Vive offers you that framework. We combine your goals, risk preferences and financial situation into a rock-solid personal investment plan that perfectly suits you and execute it for you.

Financial profile

Everything we do for you is customized. So we need your input. We ask a number of questions to map out your financial situation. We then give you a score from one to five based on your answers. This is your financial profile. With this profile, we carefully estimate what risks you can take, what type of investment portfolio suits you and how best to invest it for you to achieve your goals.

Portfolio composition

After creating your personal financial profile, you can create a plan with your preferences. What amount do you want to invest? Do you have a target date? Do you want to make monthly deposits? What risk preferences do you have?

Once you have filled in your preferences, we will immediately calculate the ideal portfolio mix, the expected return in three scenarios (pessimistic, realistic and optimistic) and the expected costs. You can see all this in the app.  

You can always adjust your preferences, and if you make an adjustment, we will process it immediately. Even if your strategic portfolio changes. You can always view the composition of your portfolio and strategy in the app. There you can see exactly which investments your portfolio is made up of.

Good to know: every goal is different and requires a different investment strategy. That's why we create a customized plan for every goal you have.

Get started

We will carry out your plan. You don't have to do anything, just deposit and keep an eye on your plan. We will also do our best to protect your assets. We do this by, among other things:

• Automatic rebalancing
  With automatic rebalancing, we ensure that the composition of your portfolio always matches the risk you want to take. We look at recent market developments and adjust accordingly. Even if you change your plan, we will balance the composition of your portfolio to meet your new settings.
• Phased risk reduction  
  If you have a goal plan, we will reduce the risk level of your portfolio as you approach your goal. We choose increasingly safer funds over time. This ensures that the closer you get to your goal, the greater the chance that you will achieve it. You can always view the degree of risk reduction in the app. Also, when you make changes to your plan, we adjust your plan and update the risk level based on your new settings.
  ‍

You can always adjust the risk yourself. When you do, you'll immediately see the impact on your monthly calculated deposit. The technology we use is based on what pension funds use to manage pensions. Vive has built a system based on this technology, perfected it and made it accessible to you.

Plan monitoring

Changes in the market can cause your portfolio to deviate from your goal. Vive's intelligent algorithm continuously monitors your investments and gives you customized suggestions to optimize your plan. The app lets you know if you're on track, or when you need to make some adjustments. Also when you can take out money without the risk of achieving your goal.