Beneficial pension for the self-employed
Build your retirement flexibly with Vive. We arrange it easily and quickly - at minimal cost.
Key benefits of Pension Investing
Tax benefit
Maximize your retirement with tax benefits.
Receive up to 49% back from the Internal Revenue Service
No capital gains tax on your pension pot
We set it up with the IRS
Flexible construction
Get a retirement plan tailored to your needs.
Flexible deposits, when and how much you want.
Fully customized to your unique lifestyle.
Automatic risk reduction toward retirement.
Save time and money
Easily set up your retirement with no hassle.
No red tape.
More money and focus on what is important.
Invest in thousands of stocks and bonds.
What does building a pension with Vive benefit me?
Calculate it for yourself.
Save time and money immediately.
Another outcome for the self-employed.
The main benefits of building a pension
Tax benefit
You can deduct your contributions to the retirement account from your taxable income, and each year you will receive between 36.93% and 49.5% of your contributions back from the IRS. In addition, you can use your unused annual margin from the past 10 years through the reserve margin for additional tax benefits.
Tax exemption
The amount in your retirement account is completely exempt from estate tax, allowing your assets to grow untaxed during the accumulation phase.
Flexible insertion
You have the freedom to deposit when and how much you want, with no obligation, as long as it stays within your annual margin. You can deposit up to 30% of your gross income on an annual basis.
How we manage your assets for retirement
Automatic investing
Vive invests automatically so you can benefit from a smart and optimized investment strategy with minimal effort. Our system constantly analyzes the market and adjusts your portfolio for minimal risk and optimal returns. By regularly reacting to the latest economic insights, your strategy is well-tuned.
Investment Package
Vive invests your deposit in a broad mix of stocks, bonds, and funds, allowing you to benefit from the growth opportunities of diverse markets. We also integrate ESG criteria, allowing you to invest with a positive social impact.
Risk management and diversification
As your retirement age approaches, Vive automatically adjusts your portfolio by gradually reducing risk so that your accumulated wealth is better protected. This is called a lifecycle strategy and helps your retirement achieve its intended goals.
Getting started with Vive made easy
Already up and running within a day.
Important to know when starting out
Want to know more about retirement?
Everything you need to know about annual margin
Your pension contributions have an annual maximum, called the "annual margin," which is determined by the tax authorities.
This annual margin is 30% of your gross income, up from 13.3% before 2013. The increase was introduced by the government to encourage you to build a better pension.
Keep this in mind when you start calculating this.
Everything you need to know about reserve space
There is also reserve space, a tax-advantaged space that you have accrued since 2013 if you have not accrued a pension.
You can use this space retroactively to make extra deposits, giving you additional tax benefits.
Be careful. If you did accrue pension in previous years, this space may be lower than you expect.
Everything you need to know about cash withdrawals
Pension money is meant to support you after retirement, so it is (usually) not possible to withdraw it earlier without financial consequences.
If you do withdraw it, you have to pay income tax and a penalty (revision interest).
This government policy is designed to ensure that people have adequate resources when they retire.
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Still have questions?
Get a complete picture of the pension landscape in the Netherlands in just 30 minutes. Includes an overview of all options and choices.
Always invest consciously
Investing offers opportunities but also comes with risks - you can lose all or part of your investment. It is therefore wise to understand the risks well in advance. More about this in the investment policy. If you have any questions, please contact us. Vive is an asset manager licensed in the Netherlands.
Frequently asked questions
Fund fees, or management fees, are the fees charged by a mutual fund for managing and administering the fund. These include management fees (fees for fund management), administration fees (fees for administration and accounting), distribution fees (fees for marketing and distributing the fund) and other fees (e.g., legal and operational fees). These costs are deducted from the fund's return, reducing the net gain to investors.
Investment fees are the costs you incur when investing in financial products. They include transaction fees (fees for buying and selling investments), fund fees (fees for managing mutual funds), custody fees (fees for keeping investments), advisory fees (fees for financial advice), foreign exchange fees (fees for currency exchanges).
What a shame that you are considering leaving us. We want to thank you for using our app! If you choose to close your Vive account, you can easily arrange this through the Vive App. In the menu, you'll find the "Close Account" option. Once we receive your request, we will block your account and send you a confirmation once everything has been completed. Make sure you have withdrawn your money before your account closes and your accrued pension is transferred to another provider. After closing your Vive account, your data will be processed according to the AVG: Personal data from financial institutions are kept for 5 - 7 years according to the 'MiFID2' directive and then completely deleted. Can't log into your Vive account (anymore)? Have you not received a confirmation email within 2 weeks? If so, please send an email to support@viveapp.com with the email address you signed up with.
A good pension is an income you receive after you stop working that allows you to live comfortably. Its amount depends on your personal standard of living, desires, and the expenses you expect to have during retirement.
The expected outcome is an estimate of the retirement income you can expect based on the investment strategy Vive puts together specifically for your situation. This result may vary due to market fluctuations and personal choices