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Understand Curvo's portfolios, the index funds, and rebalancing
How do monthly contributions work?
Through Curvo, you can easily set up monthly contributions through SEPA Direct Debit. The money is debited the first business day of the month and you can edit or revoke the contributions as you wish through the app. How long does it take for the money to be invested? It can take up to 8 business days as there are two factors at play: 1) SEPA Direct Debit Under SEPA Direct Debit, funds are debited even if the customer does not have sufficient funds on his bank account. For example, if
How is my money invested?
Purchases are not instantaneous as you are not purchasing ETFs through an exchange but rather institutional funds where the orders are run once a day. Curvo is for long-term investing and not suited for timing the market. Here is a rough timeline of events when you send money to your Curvo account: Your money is received at the Rabobank deposit account. The next business day, this amount will be processed by our investment partner NNEK and orders will be created that fit the strategy you ar
Do you have more information about the funds in the portfolios?
We recommend you explore our portfolios page on the Curvo website for a detailed breakdown of how funds are selected. The seven funds that Curvo portfolios work with are as follows: Vanguard ESG Developed World All Cap Equity Index Fund ISIN IE00B5456744 Factsheet Key Investor Information Doc **Vanguard ESG Emerging Markets All Cap E
Is it better for me to invest in one go or on a more regular basis?
Both are good as you're already thinking of investing your money. **Do you have a lump sum to invest? ** Mathematically, investing everything in one go results in a better return in most cases. That's because the markets tend to go up on average. So the earlier you get in, the more your investments can compound. A key word is "in most cases" though. There are cases where it would have been better to wait, for instance right before a big downturn. But those situations are rare, and statisti
Why do you invest in index funds rather than ETFs?
The main reason is taxes. All ETFs are subject to the transaction tax ("taxe sur les opérations boursières" or "beurstaks" or TOB). This tax must be paid at every purchase and sale. Depending on the type of the ETF and its country of registration, the rate varies between 0.12% and 1.32% of the transaction value. In contrast with ETFs, certain funds are exempt from the transaction tax. **For this reason, Curvo portfolios are made up of index funds for which no transaction tax needs to be pai
Do you offer sustainable investments?
Curvo portfolios do not support companies that are considered destructive to the planet. This means that your portfolio does not include companies from industries such as: the weapons industry the tobacco industry the oil and gas sector
Can I invest in multiple portfolios?
Currently you are able to invest in only one portfolio. However, it's on our wishlist to offer multiple portfolios. We would be curious to know how you plan on using multiple portfolios so reach out to us and let us know.
Why would I pay 1% when I can do it myself?
Our mission is for millennials to secure their financial future through passive investing. Whether you invest through Curvo's app or by yourself, we're happy either way. So you're more than welcome to inspire yourself from our philosophy and implement it yourself. Please note that the funds that we use are only accessible to institutional investors, which means you won't be able to replicate it entirely on your own. But you can get close enough by buying similar E
Can I use Curvo to time the market?
Time in the market beats timing the market No. Every day that your money is not invested, you are passing up profits. Given that no one knows when the next crisis will hit, the smartest thing you can do is to start investing as early as you can and adopt a "buy and hold" strategy. Unfortunately, there doesn’t exist any investments through which you can guarantee a quick buck without taking a lot of risk. Investing is for the long term, speculation is for the short term. Recommended reading
Who runs the funds where I'm investing my money?
Your portfolio consists only of funds offered by Vanguard and BlackRock: Vanguard: Founded in 1975, Vanguard is a US-based investment management company holding over $3tn in assets under management. Vanguard is the largest provider of mutual funds in the world. Its founder John Bogle is also credited as the inventor of index funds. Blackrock: Founded in 1988, BlackRock is the world's largest asset manager with over $4.5tn in assets under
How often is my portfolio rebalanced?
Your portfolio is constantly monitored to see whether it's still in line with the intended asset allocation. Your portfolio is rebalanced when any of the assets are 5% out of balance.
Is index investing a bubble?
We've obviously come across Michael Burry's views and due to his popularity, there have been a lot of misconceptions about indexing. Index investing, aka passive investing, is a method that consists in buying the stock market as a whole via globally diversified funds, avoiding therefore concentration risk and simply seeking to match the growth of the global economy. Consequently,