Do-it-yourself is how we started
Our founder Yoran spent hours researching and figuring out how to build an optimal portfolio to prepare for his financial future. He read books, scoured the web and got lost on Reddit. Finding the right resources was challenging.
The majority of books and articles about investing are written for US audiences and aren't applicable to Belgian investors. Furthermore, most tell you only the theory. But resources that teach you how to bring it into practice, for instance how to deal with Belgian taxes, are scarce.
From this experience, he realised why none of his friends were investing: it's too complicated. So it made sense to build a product to solve this problem.
Curvo was born.
Why a DIY approach makes sense
Optimised for cost
No need to pay an asset manager a fee
You're in the driver's seat
Your portfolio is in your hands
How it compares to do-it-yourself
Take the time to learn and understand the intricacies of passive investing.
The complexities of investing are taken care of so you don't have to worry.
Figure out how to build the correct allocation that meets your needs.
The best portfolio for you is built based on your time horizon and financial goals.
It doesn't take long to calculate and execute your transactions monthly. But after a while, it becomes an annoying task.
Set up monthly contributions and your money is invested automatically.
Dollar-cost averaging (DCA) can be expensive in broker fees. And since you have to buy units of shares, you'll always be left with cash on your account.
You're not charged per transaction. And fractional shares means all your € is invested.
Do you wish to do so quarterly, yearly, never? How to decide?
Research brokers and find the one you feel safe with.
You may have to set up a spreadsheet to stay on top of things.
Taxes are complicated. Also, they change all the time!
Be sure of your choices.
It requires discipline to stay the course.
That's how they make money.
Incentives aligned with yours.
Only pay your broker and taxes.
A fee between 0.6% to 1% per year that covers all costs.
Use our free resources if you wish to DIY
We realise that many of you want to manage their own investments. We're here to support that too. After all, our mission is for millennials to be better prepared for their financial future.
Please use our resources to help you on your journey.