My €400,000 portfolio: how I achieve +35%

Aleks' success strategy - for you to copy!

With my investment strategy, I generated a strong 35 % return in 2024. Here I show you exactly which investments were used to achieve this and how you can easily replicate this success.

What you can expect:

High profit: My portfolio mix, with which I achieved a 35% return in 2024, with all details transparently visible
Demonstrable success: No “theory portfolio”! I have invested a total of € 176,000 and increased it to over € 375,000
Easy to follow: You can simply copy my strategy or adapt it for yourself

View my ETF allocation

ETFs: 36% share for long-term gains

ETFs are a central pillar of my portfolio and an important driver of my returns. Together with a small number of individual shares, they account for around €133,000 and therefore 35% of my investments. I focus on:

Industrialized country and emerging market ETFs in a rather offensive ratio of 50 to 50.
My industrialized country ETFs: Vanguard FTSE Developed World and iShares Core MSCI World. As both funds are almost identical, you can also opt for one of them.
My emerging markets ETFs: Vanguard FTSE Emerging Markets and iShares Core Emerging Markets. These two funds are also very similar and interchangeable.
Individual shares of the companies Wise, Adyen, MicroStrategy Incorp. and Pershing Square.

Caution! These investments are difficult to replicate with typical neobrokers. For an exact copy of my strategy, we recommend a free custody account with Freedom24.

My broker: Freedom24

In order to implement my portfolio without restrictions, I need a broker with a large selection and low fees. That's why I rely on Freedom24, because it offers over 1 million securities on stock exchanges around the world! Costs from €1.20 per transaction and great extras such as a considerable tax advantage and attractive overnight interest rates are ideal for my investment strategy.

If you use my link to register, you can also secure up to €800 as a bonus.

Pick up your bonus now

P2P loans: 17% share for additional cash flow

With P2P loans, you use online platforms to lend your capital to private individuals or companies. In return, you receive an attractive and reliable return. My investment of €64,000 (equivalent to 17% of my portfolio) earns me a passive income of more than €500 per month!

Lucrative corporate loans

High return of 15% per year
Transparent, fully regulated, with perfect repayment statistics
Test winner in the P2P loan comparison 2025!
Bonus: 1% extra interest on your investment

“I reliably achieve high interest rates with corporate loans”

To the provider

Highest availability

Highest liquidity: money can be withdrawn daily
Yield of 7.25 % - more than call money accounts!
Successful parent company since 2006
Bonus: 1% cashback after 90 days

“With Monefit, my money is always available”

To the provider

Especially crisis-proof

Good return of 12 % per year
Had coped excellently with all past crises
Parent company active since 2009
Bonus: € 5 + 0.25% extra interest

“Safe from the next crisis with this P2P platform”

To the provider

Cryptocurrencies: 47% share for highest returns

Cryptocurrencies are digital objects of speculation and as such are naturally quite risky, but also highly lucrative! I am pursuing an offensive strategy with my portfolio, and cryptos fit in very well with this strategy. This is where I am currently achieving the highest growth in value and of course I hope that this will continue in the future!

At €176,000, cryptocurrencies make up almost half of my portfolio
I invest almost exclusively in Bitcoin and buy at regular intervals for an ideal average price
Around €30,000 is accounted for by shares in MicroStrategy, which also invests in Bitcoin on a large scale

The price of Bitcoin has tripled in the past 12 months, making a major contribution to the excellent performance of my portfolio.

Depot allocation explained

I am pursuing two specific goals with my portfolio: To increase my wealth through capital growth and at the same time to receive a regular, passive income.

All investments contribute to one of these two goals.

P2P loans provide regular income
ETFs deliver price gains with low risk
Individual shares deliver high long-term returns, but are also somewhat riskier
And cryptocurrencies have the chance of the highest returns, but also have the highest risks

Of course, you can adapt the individual areas to your circumstances:

If you want less risk, you should reduce cryptocurrencies and individual shares
Looking for additional cash flow? Increase the P2P share and rely on distributing ETFs
If you want to build up a large fortune and are not dependent on payouts, ETFs, shares and cryptocurrencies are recommended

Tip: Invest in savings plans free of charge with a second custody account at Scalable Capital

No modern portfolio can do without ETFs! They offer:

Broad risk diversification, as they contain dozens to thousands of shares
High profit opportunities
Wide selection of different sectors, regions, investment lines ...
Investment via savings plan (purchase at regular intervals) possible

With the broker Salable Capital you can execute ETF savings plans completely free of charge: Both the custody account and the purchase as a savings plan cost €0! In addition, you will find a very good selection of shares and ETFs here, which makes Scalable Capital the ideal choice for a second custody account.

To the provider

View: My goals for 2025

The current allocation of my portfolio fits my goals perfectly, so there will be no major changes in the near future. However, I will of course continue to invest:

1. the P2P share will grow as usual:

I already receive around 500 euros in passive income from this source every month. I will continue to increase this amount in the future. That's why around a fifth of my new investments will also go into this area in the future.

2. ETFs and equities will also continue to rise:

In my opinion, exchange-traded funds are the most sensible long-term investment. With individual shares, I can increase my profits even further and choose the ideal risk level for me.
This category will therefore continue to make up the lion's share of my investments.

3. I see the greatest growth opportunities in cryptocurrencies:

I use Bitcoin to achieve an excess return that would not be possible with a global portfolio alone. Despite possible price fluctuations, I want to exploit the huge potential and continue to invest larger amounts.

In the long term, my goal - as with any other investor - is personal financial freedom. For me, this has been achieved with a portfolio worth 1.6 million euros. I am currently well on the way to achieving this goal!

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.

Known from:

Northern Finance bekannt aus dem Deutschlandfunk

What the community says about Northern Finance

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

Philipp

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

Marcel

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

Robin

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Overview of financial tools

The success of the Northern Finance portfolio also depends to a large extent on the choice of the best and most favorable service providers. I use these providers:

Huge range of brokers