Beneficial pension for the self-employed
Build your retirement flexibly with Vive. We arrange it easily, quickly, and at minimal cost.
Personal retirement investing
Tax benefit
Receive between 37% and 49% of your deposit back from the tax authorities each year and pay no capital gains tax on your pension pot.
We transfer your information to the tax authorities. This way you don't have any extra administration.
Flexible construction
Put in what you want, when you want, and we automatically reduce the risk as you get closer to retirement.
Save time/money
Every euro you deposit, we automatically invest in thousands of stocks and bonds.
This leaves you with time, money and focus for what really matters.
What does retirement investing provide?
Calculate it for yourself.
How does the Vive retirement plan work?
What to expect.
Annual space
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.
Reservation 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.
Extract
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.
Still have questions?
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The Footnote
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