Berlin-based wealthtech company NAO is bringing its co-investment model to the Netherlands this October.
Through the NAO app, Dutch private investors will be able to access alternative investment opportunities with a minimum investment of one euro.
These include private equity, private debt, venture capital, infrastructure, money market and hedge funds.
The digital platform aims to make private market investments accessible in a way comparable to buying an ETF.
“Dutch people are financially savvy and open to innovative investment solutions in new asset classes. There’s a distinct DIY mentality when it comes to investing,”
said Robin Binder, Founder and Chief Executive of NAO.
“Dutch investors are looking for transparent and cost-effective solutions and want to invest on their own terms. Meanwhile, however, alternative asset classes have previously been reserved for institutional investors and inaccessible to retail investors. We are directly addressing this market gap.”
Financial assets per capita in the Netherlands exceeded €117,000 in 2023, 69% higher than the German level of €69,060.
According to the Dutch central bank (DNB), Dutch households held over €600.5 billion in bank accounts, with €487.1 billion of this in savings accounts.
This high level of savings is paired with a strong willingness to invest.
Figures from the Dutch financial supervisory authority (AFM) show that one in four households invests in securities, amounting to €188.9 billion in the first quarter of 2025.
However, three times as much capital remains in bank accounts as in investment portfolios.
The invested capital is largely concentrated in traditional asset classes, while alternative investments such as private equity, venture capital and infrastructure remain mainly limited to institutional investors.
Historically, these asset classes have provided attractive returns and been less volatile than shares.
NAO first launched in Germany in June 2023 and expanded to Austria in August 2024.
Thousands of users currently use the platform for long-term wealth building.
The Netherlands marks the second step in NAO’s European expansion, with further markets planned.
Featured image credit: NAO
