VIVE

VIVE is an Amsterdam fintech whose app brings pension and wealth management together in one place - what it calls toekomstgeld, money for the future.

Employers use it to offer a flexible pension plan to their staff through an employer portal, and entrepreneurs and individuals invest for retirement or other goals directly. Each client gets a personal strategy built by an asset-liability model and tested against thousands of economic scenarios; it adjusts as goals change and invests mainly in globally diversified index funds.

VIVE started asset management in 2021 and pension investing in 2023. Its operating company, Vive Invest B.V., is a licensed investment firm supervised by the Dutch AFM and DNB, and its apps are on iOS and Android.