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

  No. Curvo is only available if you are domiciled in Belgium. We do plan on expanding throughout Europe over the next couple of years. We're still learning where Curvo is most needed. Email us at hello@curvo.eu and let us know what country you live in.Few readers

• 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 Energetic Smooth Calm ProtectiveFew readers

• Who can open an account?

  The following requirements are necessary to open an account: You are domiciled in Belgium You are at least 18 years old You have an itsme account You have a bank account with a Belgian IBANFew readers

• How are you different from a bank?

  Through the Curvo app, you can invest in a diversified portfolio managed by NNEK, a Dutch 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/esma-study-finds-higFew 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 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

• 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. But we do organise in real life events every few months. If you're a Curvo member, you'll be notified by email when we plan the next "Curvo IRL" event! You can also always schedule a video call if you want to talk to us.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 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 managed by NNEK is not for you if: you want to actively pick stFew 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

• 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 NNEK, through the Curvo application, support fractional shares. This means that every single cent of yours is invested and working for you.Few readers

• How much do I need to start investing?

  The minimum is €50. However, your account will be closed if its value has less than €200 and you have not added any money for the last six months. The app offers the possibility to put your investments with NNEK on autopilot.Few 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 though, you can invest for your children via the multiple portfolios option.Few readers

• Can I open a joint account?

  Currently you are unable to. We are exploring this functionality in future Curvo updates. Drop us an email at hello@curvo.eu if you really want this.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: for NNEK to match you with the best portfolio and ensure you're not a criminal mastermind 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 legal anFew 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