Invest for your child without signing it over at 18

A fixed amount every month into a portfolio of index funds, from their first year to their eighteenth.

See what €100 a month becomes by 18

Why start now

No adult investor gets to start this early

An 18-year horizon is exactly what compounding needs most.

Growth starts earning its own growth

You add a little each month. It keeps compounding long after you stop paying attention to it.

A euro at birth is worth three at 18

Waiting is the real cost.

It grows up alongside them

Show them the portfolio whenever they ask. By the time it's theirs, they'll have watched it grow for years.

How to invest for your child with Curvo

Curvo waves pointing to the top and right

One setup, 216 monthly investments

Choose an amount and we invest it every month automatically. You never have to think about it again.

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Both parents can follow along

Share view access with the other parent and they see the portfolio alongside you.

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No surprises at 18

A child account at a bank becomes theirs the day they turn 18. This one stays yours until you decide to hand it over.

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Every euro is put to use

Fractional shares and no transaction fees mean all of it is working from day one.

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Questions parents ask

Can I open an account in my child's name?

You invest through your own Curvo account, earmarked for your child. It's simpler than a child account, and it means you stay in full control. You decide how much, how long, and when to hand it over. Read more about opening an account for your children.

How do I give them the money later?

You gift it to them. Because the account is in your name, you decide when to hand it over. Gift tax for children is low in Belgium, and much lower than the inheritance tax they would pay if the money reached them through your estate instead. You can arrange the gift through a notary, or do it yourself at your local municipality.

What if I need the money sooner?

Because it's your account, the money is never locked away. You can pause, adjust, or withdraw whenever life needs it, though the longer it stays invested, the more time works for you.

Can my child view their portfolio?

Not while they're young. Logging in needs an itsme account, and itsme starts at 16. Between 16 and 18 they can only set one up through their bank, because the signing certificate on a Belgian eID activates at 18. Until then you follow it for them, and you can give the other parent view access.

Can I invest for more than one child?

Yes. You can run a separate portfolio for each child inside your Curvo account, so every child's pot grows and is tracked on its own.