My €500,000 Portfolio: How I Achieve a 7.9% Annual Return

Aleks' success strategy - for you to copy!

With my investment strategy, I’ve achieved a return of 39% from 2022 to the present- or, put another way, 7.9% per year. Here, I’ll show you exactly which investments I used to achieve this and how you can easily replicate this success

Here’s what you can expect:

High returns: My portfolio mix, which generates a 7.9% annual return over the long term, laid out transparently with all the details
Proven success: No “test portfolio”! I’ve invested a total of €447,000 and grown it to over €514,000
Easy to follow: You can simply replicate my strategy or adapt it to suit your needs

View my ETF allocation

ETFs: 41% allocation for long-term gains

ETFs are a central pillar of my portfolio and a key driver of my returns. Together with a small number of individual stocks, they account for approximately €214,000, or 41% of my investments. My strategy focuses on:

Developed and emerging market ETFs in a somewhat aggressive 50-50 split.
My developed markets ETF: iShares Core MSCI World UCITS ETF (Acc). For me, a “no-brainer” and the foundation of my portfolio
My emerging markets ETF: iShares Core MSCI EM IMI UCITS ETF. The counterpart to the MSCI World, which I use in an aggressive ratio to more accurately reflect China and other emerging markets
Individual stocks of the companies Wise, MicroStrategy Inc., and Pershing Square.

Warning! These investments are difficult to replicate with typical neobrokers. To precisely replicate my strategy, I recommend opening a free brokerage 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 lending: 20% share for additional cash flow

With P2P lending, you use online platforms to lend your capital to individuals or businesses. In return, you receive an attractive and reliable return on your investment. Thanks to my investment of €107,000 (which accounts for 20% of my portfolio), I earn a passive income of more than €900 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: 28% allocation for the highest returns

Cryptocurrencies are digital speculative assets and, as such, are inherently quite risky—but also highly lucrative! I’m pursuing an aggressive strategy with my portfolio, and cryptocurrencies fit this approach very well. This is where I’m currently seeing the highest growth in value, and I naturally hope this trend continues in the future!

At €147,000, cryptocurrencies make up more than a quarter of my portfolio
I invest almost exclusively in Bitcoin and buy at regular intervals to achieve an ideal average price
About €15,000 is allocated to shares in MicroStrategy, a company that also invests heavily in Bitcoin

The price of Bitcoin has performed poorly over the past 12 months, but I’ve been in this for a while and am confident that we’ll see strong times again

Depot allocation explained

With my portfolio, I have two specific goals: to grow my wealth through capital appreciation while also generating a steady, passive income.
All of my investments contribute to one of these two goals.

P2P loans provide regular income
ETFs offer price gains with low risk
Individual stocks deliver high long-term returns but are also somewhat riskier
And cryptocurrencies offer the potential for the highest returns but also carry the highest risks

Of course, you can tailor the individual components to your circumstances:

If you want to take on less risk, you should reduce your exposure to cryptocurrencies and individual stocks
Looking for additional cash flow? Increase your P2P allocation and focus on dividend-paying ETFs

If you want to build significant wealth and aren’t reliant on payouts, ETFs, stocks, 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

Looking ahead: My goals for 2026

My current portfolio allocation aligns perfectly with my goals, so there won’t be any major changes in the near future. Of course, I’ll continue to invest:

1. the P2P share will grow as usual:

I already earn about 900 euros in passive income from this source every month. In the future, I plan to increase this amount even further. That is why I will continue to allocate about one-fifth of my new investments to this area.

2. ETFs and equities will also continue to rise:

In my view, exchange-traded funds are the most sensible long-term investment. By investing in individual stocks, I can further increase my returns and choose a risk level that’s right for me.
This category will therefore continue to account for the lion’s share of my investment portfolio.

3. I see the greatest growth opportunities in cryptocurrencies:

I use Bitcoin to generate excess returns that wouldn't be possible with a global portfolio alone. Despite potential price fluctuations, I want to take advantage of its enormous potential and continue to invest larger amounts.

In the long term, my goal - as is likely the case for any other investor - is personal financial freedom. For me, this goal is achieved with a portfolio worth 1.6 million euros. Right now, I’m well on my way to reaching 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

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

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:

My main broker