IVV - Instituut Voor Vermogensopbouw

What IVV - Instituut Voor Vermogensopbouw does

IVV - Instituut Voor Vermogensopbouw (legal entity: IVV Asset Management BV) is a privately held, AFM-licensed discretionary wealth manager founded in 1993 in Maassluis, Netherlands. The firm targets affluent Dutch families and entrepreneurs with a fee-based, full-lifecycle wealth management service encompassing investment management, long-term financial planning, and tax/legal advisory. The firm is structured around a 'financial private chauffeur' positioning with a small team (~10 employees) serving 600+ client families; ownership is held by the van der Maas founding family (57.38%), co-owner Floris Koster (38.99%), and an employee STAK (3.64%).

The core product is Vermogensbeheer (Wealth Management), built on evidence-based investing principles aligned with the Efficient Market Hypothesis, custody relationships with Saxo Bank and Insinger Gilissen, and a behavioral finance layer powered by DNA Behavior's Financial DNA assessment. Client-facing infrastructure includes a proprietary Mijn Rapper portal and access to custodian platforms for portfolio monitoring. The firm applies a protective investment strategy, with the firm citing zero client wealth loss during the 2008 financial crisis as a key credibility anchor.

The revenue model is a tiered AUM-based fee: 1.35% on assets up to €500,000, scaling down to 0.50% above €10 million, with a stated minimum of €75,000 (or 25% of fixed costs, approximately €1.26M as of March 2025). Revenue is explicitly tied to client AUM mark-to-market with no transaction commissions, kickbacks, or product-sourced income. Distribution is direct advisory only, supported by content marketing across a knowledge bank, YouTube, a Spotify podcast, customer evenings, and RTL Z media exposure. The client minimum and HNW-tiered pricing place IVV in the boutique HNW segment rather than the mass-affluent channel.

Name

IVV - Instituut Voor Vermogensopbouw

Legal name

IVV Asset Management BV

Website

https://ivv-vermogensopbouw.nl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

IVV is a Dutch AFM-licensed wealth manager serving 600+ affluent families and entrepreneurs with discretionary portfolio management, financial planning, and tax/legal advisory, using a tiered AUM-fee model and evidence-based investing principles.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Wealth management services
• Asset management advisory
• Financial planning advisory
• Behavioral finance profiling
• Estate planning advisory

Headquarters

HQ city

Maassluis

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Assets Under Management (AUM) Fee: IVV charges a percentage fee on the total value of client assets under management. Revenue is directly tied to the value of client portfolios - if client wealth decreases by 50%, IVV's revenue in the following quarter decreases by 50% as well. This alignment of interests is a deliberate business design choice. No income from transactions, investment funds, bid-ask spreads, or return commissions from institutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels7 records

Core offering

IVV is a discretionary wealth management firm that helps Dutch families and entrepreneurs build, maintain, and transfer wealth through investment management, long-term financial planning, and tax/legal advisory. Services cover the entire financial lifecycle from budgeting for young professionals through retirement income planning and estate transfer, with clients served by a personal 'financial private chauffeur' (wealth advisor) under a tiered AUM-based fee structure. The offering is supported by the proprietary Financial DNA behavioral assessment for matching strategy to client financial personality.

Product overview

IVV - Instituut voor Vermogensopbouw offers a unified wealth management service positioned as a 'financial private chauffeur' for families and entrepreneurs. The core Vermogensbeheer (Wealth Management) service encompasses investment management, long-term financial planning, and tax/legal advisory. This is supplemented by the Financial DNA Assessment module for behavioral profiling and the proprietary Mijn Rapper client portal. The company emphasizes personal relationships, capital protection over aggressive returns, and serves clients across all financial life phases from career start through retirement and estate transfer. Investment fees range from 1.35% for assets up to €500,000 down to 0.50% for assets above €10 million.

Differentiator

Problem solved

Functional benefit

Products and services

• Vermogensbeheer (Wealth Management) Comprehensive wealth management services including investment management, long-term financial planning, and tax/legal advisory for families and entrepreneurs. Services cover building, maintaining, and transferring wealth across the entire financial lifecycle with a focus on capital protection and steady returns.
• Financial DNA Assessment Behavioral assessment tool powered by DNA Behavior Solutions that reveals over 4,000 behavioral insights about a client's natural financial personality in approximately 10 minutes. Used to develop personalized wealth strategies matched to client behavioral profiles and reduce advisor-client communication mismatches.

Quantifiable outcome

• Research shows behavioral coaching can add 1.5% extra annual return
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability1 record

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Saxo BankcoreOthersSaxo Bank serves as one of IVV's two primary custodian/depot banks. Client investments are held separately from Saxo Bank's own assets, registered under the client's name. If IVV or Saxo Bank becomes insolvent, client investments remain protected on the client's own IBAN account.
• Insinger GilissencoreOthersInsinger Gilissen serves as one of IVV's two primary custodian/depot banks alongside Saxo Bank. Client investments are held separately, registered under the client's name, and protected if IVV or the depot bank fails.
• DNA Behavior Solutions, LLCcoreTechnology or IntegrationDNA Behavior Solutions provides the behavioral finance assessment technology powering IVV's Financial DNA profiling system. The assessment reveals over 4,000 behavioral insights in 10 minutes about client financial personality. IVV integrates this technology to create personalized investment strategies matching client behavioral profiles.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• ABN AMRO Private Banking: Private banking arm of ABN AMRO offering wealth management, financial planning, and estate advisory to HNW Dutch clients. Comparable in target segment and service breadth, but with the scale and balance sheet of a major Dutch bank.
• DeGiro: Low-cost Dutch brokerage platform (owned by flatexDEGIRO) serving self-directed investors. Comparable as a Dutch investment infrastructure provider, but competing primarily on price rather than advisory services.
• Rabobank Private Banking: Private banking division of Rabobank serving affluent and HNW Dutch households with advisory and discretionary wealth management. Comparable in customer segment and comprehensive wealth advisory, but embedded within a large cooperative bank.
• Lynx (Lynx Beleggen): Dutch online broker (part of Optiver Group) offering self-directed trading and some managed-portfolio capabilities. Comparable as a Dutch investment platform for affluent retail, but differs by being execution-led rather than advisory-led.

Others

• Dimensional Fund Advisors: Global asset manager whose evidence-based, factor-driven investment philosophy aligns with IVV's stated investment approach. While not a direct competitor, Dimensional is a strategic content/thought-leadership partner and indirect comparable as an evidence-based investment provider.

Emerging players

• Brand New Day: Dutch digital wealth manager offering low-cost index and active investment products to retail and semi-HNW clients. Comparable in managed-portfolio delivery model, but at materially lower price points and a more retail orientation.

Regional players

• Nordian Capital Partners: Dutch wealth manager offering discretionary portfolio management for private clients, foundations, and family offices. Comparable in target market and discretionary AUM model, though with a more institutional-flavored client mix.

Direct peers

• Insinger Gilissen: Dutch private bank and wealth manager serving HNW families and entrepreneurs with discretionary portfolio management and estate planning. Comparable to IVV in target customer and service offering, and also a custody partner of IVV.
• Evi van Lanschot: Dutch online wealth advisory brand (part of Van Lanschot Kempen) targeting affluent Dutch households with discretionary portfolio management. Comparable in service mix (discretionary wealth management, life-stage planning) although embedded within a larger bank.
• Vermogensbeheer.nl: Independent Dutch RIA offering discretionary and advisory wealth management for private clients with tiered AUM fees. Closely comparable to IVV in target segment (HNW families), fee model, and Dutch-only footprint.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ivv-instituut-voor-vermogensopbouw

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IVV - Instituut Voor Vermogensopbouw