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.
Wondering what your pension could look like? Calculate it directly
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 margins
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.
Investing offers opportunities but you can lose (part of) your investment. It is therefore wise to understand the risks in advance. More on this can be found in the Investment Policy. Vive is a licensed investment manager.
Note, always invest consciously
Frequently asked questions
Short answers
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
The deposit needed for a desired retirement income varies from person to person and depends on your retirement goal, age, desired retirement age, and expected returns. The retirement calculator can help you determine this amount. You can base a rough calculation of the deposit on the eventual monthly income you want during your retirement. You calculate or determine how much you want per month. Then you calculate back how much you need to put in to achieve this.
An annuity is a financial product that provides a periodic payment, such as monthly or annually, for a specified period of time or for life. This can be part of your pension accrual, where you convert part of your pension capital into a fixed benefit.