Smart investing with 12.5% annual returns through P2P and ETFs

At Northern Finance, I show you how I invest my €400,000 portfolio across P2P loans, ETFs, and more. You can easily follow my strategies and secure 12.5% returns per year!

Here you get:

A look into my real €400,000 portfolio
Transparent reviews of all platforms & providers
Personal experiences and on-site insights

My strategy

Known from:

Northern Finance bekannt aus dem Deutschlandfunk

The top 10 best P2P loan providers

With an investment in personal loans (P2P loans), you can easily build up a passive income! Regular payments, minimal effort, crisis protection and high returns of up to 24% per year. I'll show you which providers are really worthwhile and which you should steer clear of.

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Broker comparison

You want to build up your wealth with shares, ETFs and cryptocurrencies and not waste your money on broker fees. I'll show you which broker is right for you and which provider offers you the best conditions, selection and bonus offers.

To comparison

Reviews

P2P Provider

Broker

Scalable Capital review

Trade Republic review

Cap Trader review

Finanzen.net zero review

Scalable Capital vs. Trade Republic

There is hardly a question I hear more often: Should I use Scalable Capital or Trade Republic? I have compared the two well-known brokers and their extensive range of products in detail. You can find the final answer in the Scalable Capital vs Trade Republic comparison here:

By comparison

Scalable Capital vs Trade Republic - Vergleich

Current bonus promotions at Northern Finance

Debitum bonus: 1.5% cashback

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Ventus Energy bonus: 5% cashback

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Monefit bonus: 0.5% cashback

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Freedom24 bonus: Up to €800 in free shares

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Trade Republic bonus: €15

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Scalable Capital bonus: €10

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Everything you need to know about ETFs

From your first investment to the right strategy: Here you will find all the important information, tips and tools about ETFs - compact, up-to-date and easy to understand.

Investing in ETFs

Buying ETs for beginners

ETFs for beginners:

Advantages and disadvantages of ETFs

ETF replication methods

ETF physical or synthetic

About Aleks Bleck

My name is Aleks Bleck and I run Northern Finance, the largest and fastest growing channel with a focus on P2P loans in the German-speaking world.

I have been investing for nine years and blogging about this exciting asset class for five years, earning 10-15% per year myself.

What makes Northern Finance special

Northern Finance is more than just an ordinary finance blog. Here you'll find the most important topics, in-depth research and clear explanations.

Whether you're just starting out or already investing, we only publish content that will really help you.

Praxisnah statt abstrakt - Northern Finance

Independent, critical and transparent

Our content is created without paid partnerships with platforms. You receive honest reviews, real experiences and clear recommendations.

Persönlich getestet & dauerhaft aktuell - Northern Finance

Personally tested & permanently up-to-date

Every platform, every broker and every tool has been tested and regularly updated. So you can be sure that the information will still be correct tomorrow.

Unabhängig, kritisch und transparent - Northern Finance

Practical instead of abstract

You don't get theory courses, but strategies that work in everyday life. With examples, screenshots and clear instructions.

What the community says about Northern Finance

Great overview of different platforms & their loans. Always up to date.

Philipp

Viewers

Your videos and all the work you put into them are simply worth their weight in gold!

Marcel

Viewers

Great content! As before. Can only recommend Northern Finance to everyone.

Robin

Viewers

Social Media

Take a look at our other platforms too. You'll find lots of videos about finance on our YouTube channel and all the important updates on Instagram.

The most important articles on our blog:

Here’s how to replicate the Norwegian Government Pension Fund using ETFs!

Aleks Bleck

The Norwegian sovereign wealth fund, officially known as the Government Pension Fund Global (GPFG), is one of the world’s most successful funds and now manages over US$2 trillion (as at 31 December 2025). With its broad range of asset classes, spanning global equity markets, bonds and property investments, the fund consistently delivers impressive returns, thereby […]

41 ways to generate passive income

Aleks

Imagine receiving €1,000 or more in your account every month without having to actively work for it. This would make you much less dependent on your job or future pension. A high passive income means pure financial freedom, allowing you to live, travel and enjoy life on your own terms while smart systems work for […]

10 best ETFs for the future: My ETF recommendation for 2026

Aleks Bleck

ETFs are the perfect investment for most investors, but which fund is the right one? Looking at past performance alone is not enough, because future success is by no means guaranteed! I have compiled my personal selection of the best ETFs with the highest returns – for both short-term strategies and long-term investments. In brief: […]

Good ETFs for Trade Republic: Top 10 for your savings plan

Aleks Bleck

The popular broker Trade Republic offers over 2,000 ETFs – so choosing the right one can be difficult! The right product can offer attractive interest rates and good protection through diversification, while other investments may disappoint or even result in a loss. Reason enough to take a closer look at the best ETFs on Trade […]

Thumbnail - Trade Republic versteckte Kosten Wie funktionieren die 0 € Sparpläne_EN

Spread and fees: Trade Republic’s hidden costs

Aleks Bleck

When it comes to fees for our own portfolios, we all try to pay as little as possible. However, there quickly comes a point where low costs make us suspicious: How is this even possible? How can the provider generate income?

The 10 best dividend ETFs for high distributions!

Aleks Bleck

Investing in dividends is the oldest investment strategy in the world – and ETFs are an ideal way to put it into practice! But which dividend ETFs make sense, which products offer high long-term distributions, and what should you look out for when choosing one? Take a look at my ten favourite dividend ETFs to […]