Equity bonds
Get monthly interest payments with our exclusive equity bonds starting at €1.
Access from €1,000
Invest from 1,000€ in equity bonds directly via the NAO app — via a one-time investment.
Experienced product partners
The share bonds are issued exclusively for NAO in cooperation with Vontobel and UniCredit.
Top rating on Trustpilot and App Store
Invest safely
Your fund shares are held in Baader Bank's special fund.
partners
What are equity bonds anyway?
Equity bonds are a hybrid product of bonds and stocks. With NAO share bonds, you receive monthly interest payments. To the blog article
• Mix of stocks and bonds: Equity bonds are a unique mix. They are neither pure stocks nor pure bonds.
• Interest coupon: You have an interest coupon. This is often above normal market interest rates.
• Flexibility: Equity bonds are interesting in various market conditions. They can expand your portfolio.
The most important thing
Transparent investments: Payouts, interest and flexibility clearly defined
Interest payments
See at a glance how frequent and how extensive your interest payments are — based on your investment.
interest rate
Benefit from a fixed interest rate that pays interest on your capital in equity bonds regardless of market fluctuations.
runtime
That is the duration of your investment. But don't worry: You can sell at any time before the end of the term.
infos
Strike course: Decisive factor for cash or stocks
The strike is the fixed price of your base asset. It is decisive for how you get your investment back.If the underlying asset, marked as a green line on the picture on the right, exceeds your strike price at the end of the term, you will receive back your full invested amount in the form of cash — in addition to your interest payments accumulated over the term.However, if the underlying asset, shown as a yellow line on the picture, falls below the strike price at the end of the term, you will receive a fixed number of shares. The cost price of these shares? Just like the strike rate. Of course, you will also receive your accumulated interest in this case.
Multi-equity bonds in
Cooperation with Vontobel
What are multi-share bonds anyway?
As with equity bonds, there is also a strike price for multi-share bonds. It determines: Will you receive cash or shares after the term? In addition, you will of course also receive monthly interest.
But here's the trick: Not one, but several stocks form the basis. And the “worst of” principle governs repayment. The weakest share in the basket is decisive for cash or shares. Find out more here.
The most important thing
Our standards: standards, quality,
Simplicity, transparency
Sophisticated investment products
Exclusive, previously inaccessible investments — for your sustainable wealth creation.
curated
Investment feed
You get carefully curated, innovative investment products — suitable for every market phase
Easy user experience
Family office in your pocket — simple, convenient and efficient.
Complete transparency
Regulated, secured and transparent — for your investment security.
Investments
Past investments
Take a look at equity bonds from the past few weeks.
Heidelberg Materials & Vinci
Interest rate of 11.25% p.a.
Interest payment: Monthly
Duration: 13 months
lufthansa
Interest rate of 10.7% p.a.
Interest payment: Monthly
Duration: 13 months
Crowdstrike
Interest rate of 11.75% p.a.
Interest payment: Monthly
Duration: 13 months
SML, Taiwan Semiconductor Manufacturing
Interest rate of 15% p.a.
Interest payment: Monthly
Duration: 13 months
Investment team
Comment from the investment team.
Customer Testimonials
The community has its say.
Thousands of investors trust NAO. Here’s what they have to say.
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In just 3 steps to your investment
- Download the app & register
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“NAO democratizes long-term wealth creation and expands investment options.
Steffen Hetzel
C-Suite in Tech (lawpilots, bitly) | Angel Investor & Advisor
Why did the investment team choose Vontobel?
At first glance, equity bonds stand out on our platform. However, they are a frequently used instrument, especially among wealthy people, for predictable interest payments and, depending on the structure, a risk reduction compared to a direct equity investment. They can offer a stabilizing effect in a portfolio because returns can be planned and are not dependent on market developments. That is why we offer a single and a multi-share bond every month — a separate issue exclusively for the NAO community.
We work together with Vontobel and UniCredit to issue these share bonds. Vontobel is one of the leading Swiss companies in the area of structured products. UniCredit is one of the largest banks in Europe. Both have many years of experience in designing and issuing such products.
Our investment team makes a new selection of the underlying stocks every month. This includes market opinion, analyst discussions and the companies' outlook. With multi-equity bonds, great value is placed on always selecting sectoral baskets in order to obtain the best possible risk/reward profile.
Both equity bonds are issued exclusively for the NAO community. You always start at the start of a new term directly upon issuance. This makes the process significantly easier than often on the market. It is also special that our equity bonds always pay their coupon on a monthly basis.