Returns and Rates
- Ambitious capital growth
(±80% equities, ±20% bonds) - Balanced asset growth
(±50% stocks, ±50% bonds) - Retained capital growth
(±15% stocks, ±85% bonds)
The above portfolios have been chosen to give a picture of returns over the past five years and do not contain an investment recommendation or advice (within the meaning of 1:1 Wft), nor an offer to make financial decisions. The portfolio that Vive puts together for you is tailor-made and will differ. Past results are no guarantee for the future.
Frequently asked questions about Costs
This is the amount you are left with each month after taxes and other required deductions are deducted from your gross income. It is what you actually receive in your bank account and can spend.
Example:
- Gross salary: €3,000 per month.
- Deductions (such as tax, pension contribution): €1,000.
- Net income: €2,000.
Fixed charges are recurring expenses that you pay each month and are often mandatory. They usually don't change (or change little) from month to month.
Examples of fixed charges:
- Rent or mortgage: €750.
- Energy costs: €150.
- Health insurance: €120.
- Internet and telephone: €50.
- Total fixed expenses: €1,070 per month.
These are expenses for your daily and weekly needs. They are necessary expenses, but the amounts may vary.
Examples of living expenses:
- Groceries: €350 per month.
- Fuel or public transportation: €100.
- Clothing and shoes: €75.
- Total living expenses: €525 per month.
These are expenses you incur for pleasure, recreation or other non-necessities. They are often variable and depend on personal preferences.
Examples of flexible spending:
- Eating out or ordering in: €150 per month.
- Vacation savings: €150.
- Streaming services (Netflix, Spotify): €20.
- Total flexible expenses: €320 per month.
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We invest your assets in a way that takes into account the impact on society. This is how we work together to create a more sustainable future. To select funds, we use external ratings to assess their environmental, social and governance (ESG) impact.
Your assets are maximally protected under the Asset Segregation and Investor Compensation Act. Firms providing investment services are required by law to keep their own assets separate from clients' invested assets. Your assets are held by an external custodian bank.
If things then go wrong, their clients' investments are safe in a separate pot. Vive follows the rules of asset segregation.
The Financial Markets Authority monitors Vive's compliance with asset segregation rules. These rules ensure that should Vive go bankrupt, our customers' investments are separated from Vive's assets. As a result, customers' investments do not fall into the bankruptcy estate.
Vive is unique because, unlike many index fund investors, we customize a personal investment strategy. In addition, we execute this strategy for you and keep track of all your investments.
Vive's mission is to give everyone the opportunity to make money work for them, in the simplest way that suits them. We do this by creating a tailor-made investment strategy, executing it for you and keeping track of all your investments 24/7.
When you invest with Vive, you get an investment account at Saxo Bank (formerly Binck Bank). From this account we invest and manage your investments and deposits.In addition, we are supervised by the Authority for the Financial Markets (AFM) and we are an approved financial institution.
Invest your assets easily with us. We'll do the rest.
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plans. This allows you to invest for a house, for example, but also for a trip around the world or a new car.
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The Realistic Preconditions
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.