• What investor profiles do the portfolios offer?

  When you first sign up, you'll fill in a questionnaire to use the service. Your appetite for risk will be determined, as well as your financial goals and time horizon for your investments. There are five different investor profiles, each matching to a different portfolio. They go in order of most risky (but highest expected return) to least risky: Growth (100% equities) Energetic (70% equities, 30% bonds) Smooth (50% equities, 50% bonds) Calm (30% equities, 70% bonds) Protective (15%Few readers

• I don't live in Belgium. Can I still open an account?

  Sorry, Curvo is currently only available to Belgian residents. We're planning to expand across Europe over the next few years though! Download the app and leave your email address. We'll notify you as soon as we launch in your country.Few readers

• Who can open an account?

  To open a Curvo account, you must meet all the following conditions: You're at least 18 years old You're domiciled in Belgium You have a valid itsme account You have a Belgian bank account (IBAN) If you’re not a Belgian citizen, your residence document must be one of these types: EU, EU+, H, F+, K, L (formerly D card), M (with mention of long-term stay) ⚠️ We cannot open an account if: Your residFew readers

• How are you different from a bank?

  Through the Curvo app, you can invest in a diversified portfolio. Curvo is a tradename of NNEK, who is an investment firm licensed by the Dutch regulator (AFM). The underlying investment philosophy is different than that of traditional banks. We believe in passive investing through index funds. But banks have historically offered only actively managed funds. These are very expensive to run so they charge high fees for them. However, research (https://www.esma.europa.eu/press-news/esma-news/esmaFew readers

• How long does it take to open an account?

  When you first start, you are asked a series of questions to better understand you and your goals. This is all done through the Curvo app and roughly takes six minutes. Once you have completed those first steps, verification needs to happen on NNEK's end, who manages the investments. This usually doesn't take longer than a day. You'll then be able to start investing!Few readers

• Why would I need Curvo if I already have a pension saving plan ("épargne-pension" or "pensioensparen")?

  It's great that you're already saving for your pension. We think the Belgian pension saving plan is a good system thanks to the tax break. However we see a couple of limitations: Your contributions are capped at €1,350 per year. Pension saving funds are constrained in how they invest your money. This puts a limit on the return of your investments. Investing through the Curvo app is a good option if you wish to save more than €1,350 in a year, or if you seek a higher return. We have writtFew readers

• How do I update my itsme account?

  Keeping your personal information up to date is essential for having a Curvo account. Your itsme account is linked to your Belgian eID card. When your eID card expires, your itsme data becomes outdated. In that case, we'll ask you in the Curvo app to update your itsme account. If you see that message in the Curvo app, you need to do two things to put your account in order: Update your itsme account Log out and log back in with itsmeFew readers

• Can I move my money out if I want to?

  Yes. It’s your money so you can withdraw it at any time with no fees.Few readers

• Can I meet you in real life?

  We're a remote, online-first company. You can always reach us through the chat in the app or by emailing help@curvo.eu.Few readers

• Can I transfer my investments from elsewhere?

  Unfortunately you cannot transfer assets over. We recommend you sell your positions and then transfer the money. You can email us at hello@curvo.eu and we'll get back to you promptly with a plan of action.Few readers

• How much do I need to start investing?

  The minimum is €50, both for one-off deposits and for the automated monthly savings plan.Few readers

• Am I locked in to a long contract?

  No. Although the Curvo portfolios are best suited for the long term, there is absolutely no lock-in. You can withdraw for free at anytime and there's no minimum investment period.Few readers

• Can I access my account on a computer?

  No. You can only access Curvo through the app which can be downloaded for iOS and Android. At the moment, we have no plans for developing a web version that you can access from your computer.Few readers

• How do you define "long-term" investing?

  Every investment carries risk. Even though the global economy has been growing consistently over the last 100 years, there have been periods of downturns where returns were negative (think about the corona crisis!). To iron out temporary fluctuations in the markets and end up with a positive return, it's important to invest for the long term.‍ Investing through the Curvo app in one of the portfolios is not for you if: you want to actively pick stocks to invest iFew readers

• Can I open a joint account?

  Joint accounts are not yet available. It's something we're actively working towards, and as a first step we plan to launch the ability to share your portfolio view with your partner. In the meantime, you can open an extra portfolio within your own account for joint goals. You can give it a custom name and set up a separate monthly contribution. Learn more about multiple portfolios. If you have questions, reach out to us through the apFew readers

• Can I open an account for my children?

  For now, you can open an account only in your own name. We are looking to add this functionality in a future update of the app. In the meantime, you can invest for your children via the multiple portfolios option. Simply open an extra portfolio and give it your child's name. Since the portfolio stays in your name, you keep full control. This can be useful if you feel your child isn't ready to manage their own investments when theyFew readers

• Can I use Curvo without an itsme account?

  Curvo only works if you have an itsme account. We authenticate customers using itsme which is a digital ID. It's safe, secure and it's easy to create an account. Simply download their app here: https://www.itsme.be/Few readers

• Do you offer fractional shares?

  Yes. Your investments with Curvo support fractional shares. This means that every single cent of yours is invested and working for you.Few readers

• Can a business or legal entity open an account?

  No. We only accept individuals for the time being. If you are interested in investing through your business, do reach out to us for a conversation hello@curvo.euFew readers

• What information do you collect?

  During your sign-up, we collect several types of information: Personal information: through itsme, we collect your name, date of birth, address... Your financial situation: to match you with the best portfolio and to comply with anti-money laundering requirements. Your appetite for risk: to understand what sort of investor you are The IBAN of your bank account: to transfer money to your portfolio We collect this information to provide you with the best offering and to comply with legalFew readers

• I like the idea of Curvo but I'm not yet ready to invest.

  No problem. Investing money and financial planning is a big decision. You can schedule a call with one of the founders to learn more about Curvo. In the meantime, the following resources may help you learn more about passive investing: Why you should passively invest your savings Index investing vs buying a house for Belgians (https://curvo.eu/article/im-thinking-about-buying-a-hoFew readers

• Can I open an account as a US Person?

  Unfortunately, you can't open a Curvo account if you are a US citizen or green card holder. You can only open an account if you've renounced your US citizenship. In that case, you will need to send us proof of the renunciation.Few readers

• Can I sign up without a first name?

  We understand that not everyone has a first name, and we know this can be frustrating when trying to sign up for financial services. Currently, our system requires both a first and last name to create an account. This is due to regulatory requirements that we must follow as a financial service provider. Supporting users with different naming conventions is part of our roadmap for the future. In the meantime, we unfortunately can't process registrations without a first name If you have any queFew readers

• What is discretionary management?

  We offer discretionary management with Curvo, which means we handle your investments for you. When you sign up, we ask you a series of questions to understand: your goals your appetite for risk your time horizon for investing Based on your answers, we assign you a portfolio tailored to your profile. We then take care of its management, including rebalancing and reinvesting dividends. You still have 24/7 access through the Curvo app and can add money to your portfolio whenever you like.Few readers