We believe that finance and everything that surrounds it should be transparent and without jargon. Our belief is that investing is for everyone, not just for experts. We want to be the most transparent financial tech company.
We’re Thomas and Yoran, the creators of Curvo. When we started to figure out our pensions and putting money away every month, we dug into the world of investing and soon realized how difficult it is to get started. You have to define your portfolio, find a broker, know about taxes,… Acquiring this knowledge and skills takes a lot of time, perseverance and a certain confidence in your own capacity for taking good decisions. The finance world is intimidating, filled with jargon and full of people who want to separate you from your money. Having gone through the whole process ourselves, we’re not surprised that hardly any of our friends invest their money.
Our generation is facing a scary financial future
At the same time, we became aware that our generation, the “millennials”, are facing a scary financial future and needs to be better prepared financially. Our state-funded pension systems in Europe are under increasing pressure due to changing demographics. For instance, 40% of the Belgian population will be over the age of 67 by 2060 whereas today, only 25% of the population is in that age group. We think that our pension systems will need to adapt in such a way that individual contributions will become more and more important.
So we started Curvo
For these reasons, we started Curvo, with the main goal of improving the financial well-being of our generation by giving easy access to passive investing. No need to read dozens of books on how to define your asset allocation like we did. No need to scour wikis and forums to learn about taxes in your country. There’s even no need to know what an index fund is. With Curvo, you will boost your savings while requiring no financial knowledge. And by pushing automation, it won’t require any of your time either.
At the same time, we see a big need for educating our peers on how to live a financially healthy life. The number of people who have little savings and are living paycheck to paycheck is scarily high. This is a very dangerous situation to be in as it exposes you to big risks, for instance in case of illness, disability, losing of a job… Our second mission therefore is to arm our customers with the right knowledge to improve their financial lives.
We are using the experience that we acquired in building Sutori, an educational platform that we scaled to over one million teachers and students across the globe using it. We have learned a lot over the past few years on how to grow a product and build a brand that is used and loved by this many users. We are now applying these skills, knowledge and experience to Curvo. We hope you will join us on this journey.