As a private investor, you face the challenge of structuring your portfolio in the best possible way. Exchange-traded funds (ETFs) have established themselves as a popular investment instrument for this purpose. But not all ETFs are the same! A key difference lies in the replication method. In this article, you will learn everything you need […]

Aleks Bleck
Aleks Bleck is the heart and soul of Northern Finance and was already a shareholder, lender and ETF investor at the age of 18. His focus is on P2P lending and passive ETFs. Aleks founded Northern Finance in 2017 while studying business administration in Lüneburg.
He built up the YouTube channel alongside his main job in investment and corporate banking before finally focusing on Northern Finance full-time.
- Investor for 10 years
- Business studies, investment and corporate banking
- Influencer for 8 years
X (Twitter) · YouTube · Instagram · Podcast: Spotify, Apple

Your exchange-traded fund has increased significantly in value and is ready to be sold. Now you want to convert your investment into cash without incurring significant losses. We explain when you should sell or hold an ETF and how to execute the transaction in the best possible way. In brief: ETFs can be sold easily […]

ETFs (exchange-traded funds or index funds) have gained enormous popularity in recent years. But there are advantages and disadvantages of ETFs. This is hardly surprising, as they promise a low-cost and simple way to participate in the stock market. But is investing in index funds really worth it for you? In this article, you will […]

ETFs have become one of the most popular investment products for young people in recent years – but financial professionals are also buying these funds in droves. If you want to trade ETFs and earn substantial profits, we are here to help. In this guide, we explain all the steps in a simple and clear […]

Want to invest in ETFs but don’t know where to start? Don’t worry, you’re not alone. Many investors face the same challenge. ETFs offer a simple and cost-effective way to participate in the stock market. This comprehensive guide will teach you everything you need to know about ETFs as a beginner so you can make […]

If you are looking for a broker that will give you the best start in the world of trading, then Freedom24 is the right place for you. As a Freedom24 bonus, investors often receive free shares. These free-share promotions are regularly offered to both new and existing customers. Even if there isn’t a promotion currently […]

Investing without a strategy is like driving without a destination. You might arrive somewhere, but whether it is your desired destination remains uncertain. ETFs offer many advantages, such as low costs, transparency and broad diversification. However, without a well-thought-out ETF investment strategy, your financial success will be left to chance. In this article, I will […]

A global portfolio of ETFs with a 70-30 ratio is regarded as the absolute classic among investment strategies. But a lot has changed on the financial markets since then: Is the 70 30 portfolio still up to date, what are the opportunities and risks, and are there better alternatives? You’ll find the answers in this […]

Are you ready to invest in ETFs but unsure whether to choose a physical or synthetic ETF? This is a valid question, as both types offer advantages and disadvantages. In this comprehensive guide, I will show you all the details you need to make an informed decision. You will learn how both types of ETFs […]

ETFs, funds and index funds, which are rarely used by private investors, are often lumped together. However, there are actually significant differences that can dramatically affect your overall return! The following guide explains the differences between ETFs and funds and when which product is more suitable. In brief: Investment funds are actively managed combinations of […]

If you want to invest in an exchange-traded fund, you have a choice: ETFs can be accumulating or distributing. Is automatic reinvestment or regular payouts better? We have the answers! In brief: If an ETF is accumulating, profit distributions are automatically reinvested in the fund. On paper, this ensures a better return. If an ETF […]

The selection of exchange-traded funds is huge and continues to grow. This naturally raises the question of what a successful ETF portfolio might look like. We therefore take a look at the most important rules for putting one together and present some sample ETF portfolios. In brief: An ETF portfolio is a mix of exchange-traded […]

Don’t have an account with the popular broker Trade Republic yet and interested in opening a trading account? Here you’ll find a step-by-step guide to signing up and some important information you should bear in mind before you get started. In brief: The popular German broker Trade Republic isn’t just easy to use; opening a […]

Would you like to invest in global markets and spread your risk widely? The MSCI World ETF is one of the most popular options for investors looking for a solid investment without having to worry about managing a broad equity portfolio. In this detailed article, you will learn why the international equity fund is such […]
19 per cent interest per year with the help of P2P lending, is that possible? It is! The provider CrowdedHero grants lending for young companies, which you can also benefit from as an investor. In this review, I will show you my personal CrowdedHero experience, the most important information about the provider, possible risks and […]

Viainvest stands out among P2P providers: you won’t find 13% interest, asset-backed investments and an investment brokerage licence anywhere else! I’d like to explain whether it’s really worth it and what you should bear in mind based on my own experience. In brief: Viainvest is a P2P provider with only one lender that has been […]

Hardly any other investment opportunity is as popular, well-known and reputable as real estate. But owning your own home used to be the norm; today, we’re going to take a look at a relatively new form of investment: real estate ETFs.

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?

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 […]

Switzerland’s P2P platform Maclear is attracting new customers with interest rates above 14%. A new player in the highly competitive market for personal loans must, of course, be scrutinised closely: How reputable is the company, what is its regulatory status, how secure is it, and much m I put the provider through its paces, invested […]

Can this dynamic broker really compete with Germany’s low-cost giants? If you’re searching for a platform that offers a wide range of investment options, competitive fees, and a surprisingly user-friendly experience, Freedom24 might just catch your attention. In this Freedom24 review, we take a closer look at what sets this broker apart – and whether […]

Scalable Capital’s current interest rate of 2% is an attractive option for anyone looking for a good return on their instant access savings account. However, customers must sign up for the fee-based flat-rate trading plan in order to benefit from this. When and for whom is this investment worthwhile? We have the answers! In brief: […]

Like most online brokers, Trade Republic also offers interest on your uninvested capital. Currently, you receive 2%, which corresponds to the base rate in Europe. But is it really worth it? How does it compare to other instant access savings accounts, and what should you bear in mind when using it? We have compiled the […]

Even though other websites talk about a new customer bonus, there is currently no Scalable Capital bonus. The online broker is currently offering 2 % interest on your uninvested capital. Click here to join directly and secure your monthly interest! In brief: No new customer bonus 2026: There is no new customer bonus in the […]

ETFs (Exchange Traded Funds) are one of the most popular forms of investment for private investors. They offer broad diversification and are cost-efficient, making them an ideal instrument for long-term wealth accumulation. The risk is reduced by spreading the investment across different companies, sectors and regions. However, ETFs are not completely free of risks. Various […]

Emerging market ETFs are a fascinating but challenging investment option for many investors. These markets offer the potential for high returns, but they also come with increased risks. In this article, I present my top ETFs for emerging markets, which you can easily invest in via a savings plan or a one-off investment. In brief: […]

Even though other websites talk about a new customer bonus, there is currently no Trade Republic bonus. The online broker is currently offering 2 % interest on your uninvested capital. Click here to join directly and secure your monthly interest! In brief: No new customer bonus 2026: There is no new customer bonus in the […]

I have been investing in Swaper since 2018. On this platform, I achieve an average return of 14%. If you would also like to invest in Swaper, secure an additional 2% bonus interest when you register via my link. The most important facts at a glance: Founded in: 2016 Company headquarters: Tallinn, Estonia Offer: consumer […]

P2P lending have developed into an attractive investment opportunity in recent years. Their double-digit interest rates are particularly appealing in times of falling base rates or economic uncertainty. But it’s not just the number of investors that continues to grow; the selection of P2P platforms is also steadily increasing. Below, I have summarised my experiences […]

Scalable Capital is making waves in the investment world with its unique subscription-based model and smart robo-advisor. As a Munich-based fintech, it’s been steadily gaining popularity – and with good reason. Many users report a seamless experience, a modern interface, and surprisingly low costs. Whether you’re a beginner or a seasoned investor, this scalable capital […]

Things are moving fast at Trade Republic. With its new full banking licence, the fintech giant is now able to offer current accounts and debit cards, expanding far beyond its original brokerage model. The company’s rapid growth and innovation are certainly impressive. However, this Trade Republic review also highlights the growing pains of such aggressive […]

Many investors strive for a broadly diversified portfolio. In addition to different asset classes, this can also mean geographical diversification. One of the largest markets in the modern global economy is the Asia-Pacific region. The region is growing faster than the global average. With a strengthening economy, investor interest is also growing. Since the market […]

Buying gold is and remains an evergreen for investors – but that’s no reason to waste money unnecessarily when trading! We have therefore compiled the cheapest and best ways to utilise this valuable commodity for you: Find out everything you need to know about ’ Gold ETF tax-free! If you are interested in such tips […]

Many people still hesitate to invest their money profitably. Too many options, insufficient knowledge or low motivation are just a few of the reasons. In this article, we will show you that investing money doesn’t always have to be complicated. In brief: Investing is very important, even at a young age, and can provide you […]

Are you looking for the right types of investment for your retirement, or would you like to invest your money for your children? If you are looking for the best investment for pensioners, there are a few special considerations you should bear in mind when investing. In brief: Around 22% of the German population are […]

For decades, government bonds were a safe way to achieve higher returns. Security-conscious investors in particular could rely on this safe asset class. In 1990, 10-year US government bonds achieved a yield of 9%. However, the situation has changed and investors now rarely place their trust in this tried-and-tested asset class. In brief: Government bonds […]

