Germany's #1 App for Private Markets
Invest like a millionaire.
Multi-millionaires invest an average of 42% of their assets in Private Markets¹.
- The same funds as Family Offices & Millionaires – from €1
- Rigorous Curation: 7 out of 8 funds don't make it onto the platform
- Personal support in 15 minutes
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This is NAO.
- Attractive return opportunities
- Exclusive Quality
- Real-time personal service
Private Markets can offer return opportunities that traditional investment forms often cannot match, especially Private Equity. Historically, these investments have also proven to be a valuable portfolio addition because they are less directly influenced by daily stock market fluctuations.
On average, our investment team rejects 7 out of 8 offers. Three things are particularly crucial: the asset manager's track record, the cost structure, and whether you, as a private investor, receive the same deal quality as institutional investors. Our founder Robin personally visits asset managers and reviews investment theses on-site. This ensures that only what truly convinces us makes it onto the NAO platform.
What are Private Markets and why do millionaires use them?
Private Markets are investments made outside of public stock exchanges. These include, for example, stakes in private companies, infrastructure projects, or loans to businesses. For a long time, these asset classes were primarily reserved for wealthy individuals and institutional investors, because access was complex and minimum investment amounts were high. With NAO, this access becomes simple, transparent, and digital, starting from just €1.
Why do millionaires use Private Markets?
Because they can diversify their assets more broadly and invest in opportunities not available on the stock market. Family offices invest an average of 42%* of their capital in private markets.
What are the opportunities?
Historically, private markets can offer attractive return opportunities, broaden your portfolio, and complement it effectively. Since many of these investments do not move in sync with the stock market, they can help reduce overall portfolio volatility.
What are the risks?
Private markets are designed for a longer investment horizon, are generally less liquid than stocks, and carry risks up to the loss of invested capital. Therefore, you should only invest capital that you can afford to forgo for an extended period and diversify your investments broadly.
Trust begins with strong partners: Partners Group, ARK Invest, UBS, and other leading asset managers.
11
Partners
15
Carefully Curated Funds
4.5/
Over 10,000 customers
8-figure
Assets under Management
Private Market Access
Invest from €1 in products previously inaccessible to you, via savings plan or one-off investment.
Leading Fund Managers
We partner with the world's largest asset managers, boasting decades of expertise.
Top Rating on Trustpilot and App Store
Invest securely
Your fund units are held as segregated assets at Baader Bank, a German credit institution supervised by BaFin.
At NAO, every product undergoes a multi-stage selection process. We assess the return potential, risks, strategy, and transparency of the asset manager, and our founder Robin Binder personally visits each asset manager. This ensures that you only get access to investments that meet our standards 100%.
Multi-stage selection process according to institutional standards
Focus on historical returns, costs, and a fair deal allocation
Personal review by our investment team
7 out of 8 funds reviewed do not make it onto the NAO platform.
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The asset classes behind high-net-worth portfolios.
Learn all about Private Equity, Venture Capital, Infrastructure, Private Credit, and more.
Private Equity
With NAO, you gain access to exclusive Private Equity funds from Partners Group, UBS, and ARK Invest – three of the most reputable names in the investment world. Invest directly in private companies with growth potential and diversify your portfolio beyond the stock market.
Venture Capital
With NAO, you invest in the companies of tomorrow – even before they go public. The Redstone Global Venture ELTIF offers you access to a global portfolio of innovative startups.
Infrastructure
Invest in what keeps our world running today and what drives it tomorrow. With the UBS fund, you gain access to stable, long-term infrastructure projects in economically strong industrialized nations. With the HanseMerkur fund, you benefit from the global growth of data centers and digital infrastructure.
Private Credit
Stable returns through private lending – with two of the most reputable names in the European credit market. The Muzinich fund provides loans to profitable mid-sized companies, while the BNP Paribas fund combines corporate, infrastructure, and real estate financing.
Multi-Assets
All key private market segments in a single strategy. With funds from Natixis IM and Hamilton Lane, you invest broadly diversified across Private Equity, Private Credit, and Infrastructure – managed by two of the world's leading asset managers.
Flex Strategies
The FERI US Equity Flex relies on a systematic options model with the goal of outperforming the S&P 500. The FERI Opto Flex pursues a similar strategy – focused on the European money market, with calculated risk and a clear return target.
Hedge Funds
While traditional funds bet on rising prices, hedge funds employ strategies that can also incorporate falling markets. With the UBS Hedge Fund, you gain access to precisely this approach.
Money Market
The Goldman Sachs fund actively invests in short-term, high-quality money market instruments and directly benefits from the current money market interest rate. The BNP Paribas ETF tracks the €STR, the ECB's short-term interest rate, and aims to consistently outperform it slightly. Both are available daily, making them interesting for liquid assets.
Equity-linked notes
Monthly interest payments, predictable returns. Equity-linked notes combine regular distributions like a bond with return opportunities from the stock market.
Private Equity
Globally diversified Private Equity Fund from Partners Group, one of the largest and most experienced providers worldwide. The fund primarily invests directly in private companies.
14% p.a.
Target Return
Target ReturnThe target return is based on assumptions made by the fund management. It is not a promise and not a reliable forecast of future results.30.09.2026
Lock-up Period
Lock-up PeriodThe minimum holding period during which you cannot sell your shares. This provides the fund manager with the necessary planning certainty for long-term investments. After this period, you can typically redeem your shares.Medium risk
Medium RiskAssessment of the risk profile based on the investment strategy and the volatility of comparable assets. Private markets are subject to market, liquidity, and company risks.
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Private Equity
Focus on innovative companies in the late growth stage. The ARK Private Innovation ELTIF specifically invests in companies in sectors such as AI, space, and cloud infrastructure - including well-known names like SpaceX and Databricks.
15% p.a.
Target Return
Target ReturnThe target return is based on assumptions made by the fund management. It is not a promise and not a reliable forecast of future results.26.02.2027
Lock-up Period
Lock-up PeriodThe minimum holding period during which you cannot sell your shares. This provides the fund manager with the necessary planning security for long-term investments. After this period, you can typically redeem your shares.Medium Risk
Medium RiskAssessment of the risk profile based on the investment strategy and the volatility of comparable investments. Private markets are subject to market, liquidity, and company risks.
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Venture Capital
With the Redstone Venture Capital Fund, you invest in a broadly diversified portfolio of young, innovative start-ups. The fund combines numerous growth companies into a single investment, giving you access to the technologies and business models of tomorrow.
16% p.a.
Target Return
Target ReturnThe target return is based on assumptions made by the fund management. It is not a promise or a reliable forecast of future results.7 years
Lock-up Period
Lock-up PeriodThe minimum holding period during which you cannot sell your shares. This provides the fund manager with the necessary planning security for long-term investments. After this period, you can generally redeem your shares.Medium Risk
Medium RiskAssessment of the risk profile based on the investment strategy and the volatility of comparable assets. Private markets are subject to market, liquidity, and company risks.
Robin, CEO & Founder of NAO, explains in the video how we ensure fair deal distribution.
In this industry, that's not a given. The best deals often go to the big players first – everyone else gets what's left. This principle is called adverse selection. Funds that operate this way don't even make it onto the NAO platform. This way, you always get access to the same investments as professional investors.
The community speaks. Thousands of investors trust NAO. Here's what they say.
Simon Pfau
Managing Director Apartment Hotel & NAO Customer
I'm the managing director of an apartment hotel here in Berlin. I've been a NAO customer for quite some time now, and since then, I've pretty much only invested there. It's an opportunity for small investors to invest in products that are otherwise only available to people who are super wealthy. And NAO gives everyone, including small investors, the chance to invest in products you don't even know exist.
Tim
Dual Student & NAO Customer
I'm a dual student in banking and I'm from Leipzig. I would explain NAO to my friends like this: It's a great platform where you can make alternative investments and you're not left alone there. You have customer service. I personally had a phone call, which was super great, and you're not left alone.
Steffi
Head of CRM in the Automotive Industry & NAO Customer
I would tell my friends that through NAO, they can invest in private markets, which wasn't really an option for the average person until recently, where they might otherwise invest.
Paul
Dual Student & NAO Customer
I'm currently doing a dual study program in finance and I'm from near Leipzig. I would explain NAO to my friends as an alternative investment that you can make in alternative asset classes starting from just €1. I currently use NAO as a way to invest in private markets without needing to have millions in my account already.
Insights that go beyond the app.
April 22, 2026
After-Hours by NAO: Drinks & Food with Buy The Dip
100 guests, Buy The Dip, Partners Group, and an evening centered around Private Equity, engaging conversations, and new perspectives on Private Markets.
March 26, 2026
After-Hours by NAO: Private Markets Deep Dive with Natixis IM
A deep dive with Natixis IM and the NAO team for anyone looking to better understand Private Markets and engage in direct discussion.
December 11, 2025
After-Hours by NAO: Holiday Edition
At the end of the year, the community, the NAO team, and FERI came together for discussions on markets, new perspectives, and current investor concerns.
Investors backing NAO.
What convinced experienced investors to join NAO.
Steffen Hetzel
C-Suite in Tech (lawpilots, bitly) | Angel Investor & Advisor
Jakob Schreyer
Former CEO at orderbird | Angel Investor
Max Klemmer
Managing Director Miss Germany Studios | Angel Investor
Ready to join the NAO community?
Start today with access to exclusive private markets.
Invest like a millionaire, starting from €1.