Kiril Nikolaev

About Kiril Nikolaev, CFA

Kiril Nikolaev is the founder and main writer of   Mr. Nikolaev's educational background is in finance and he's a CFA Charterholder. He has worked as a financial analyst for BMO Financial Group, which is one of the largest banks in Canada. He's also worked at Mitre Media where he was responsible for content strategy and product management for a few of their properties, including,,, and a few others. His most recent financial writing work can be found on His passion is in investment finance and he loves to spread awareness of finance and analysis, so that anyone can become an investor. Hire Kiril on Upwork, or find him on LinkedIn.

Understanding the 5 Financial Stages of Life

“I wish I was a child again, so I don’t need to worry about paying bills.”

Such is the phrase of many people going through that point in life known in media as “adulting”- or being responsible enough to actually care about where your money goes.

Whether we like it or not, money is inseparably connected to […]

|April 21st, 2016|Preschool|0 Comments

The Five Crucial Investment Constraints for your IPS

In the previous article I explained how important an IPS or Investment Policy Statement is in guiding investors to understand what they currently have, to identify their financial objectives, and to stay the course towards growing their money. As an investor, the IPS is a road map for your success; a means to help you […]

|April 20th, 2016|Preschool|0 Comments

How the Investment Policy Statement Keeps You on Course

“I’m going to give you contracts. If you sign and honor your side of them, we are going to be successful…. Starting today you will play like winners, act like winners, and most importantly— you will be winners. If you listen and learn, you’ll win basketball games. And gentlemen, winning in here is the key […]

|April 19th, 2016|Preschool|0 Comments

3 Reasons Why You Should Care About the Stock Market

It is normal to have initial reservations about stuff we are not familiar with. It’s very easy to stay in your comfort zone, especially if it works just fine and you’re satisfied in your current way of living and you don’t explore your options that much. Yes, braving into the unfamiliar can be quite daunting, […]

|April 13th, 2016|Kindergarten|Comments Off on 3 Reasons Why You Should Care About the Stock Market

How the Stock Market Works

At first glance, the concept of “stock market” may seem a little intimidating to those who have no background in business or finance. But never fret, we’re here to show you what you need to know to get you started on the broad and fun world that is the stock market.

To begin, let us first […]

|April 12th, 2016|Kindergarten|0 Comments

Stocks – The What, Who, When, Where, Why and How

We’re pretty sure you’ve heard the terms “stock” and “share” before. Well, aside from being a cooking ingredient or a virtue, that is. These two terms are used interchangeably and it’s important to keep this in mind to avoid confusion.

As an investor, these terms are probably one of the first things you’ll hear as you […]

|April 8th, 2016|Kindergarten|0 Comments

Ability Vs. Willingness to Take Risks in Investing

Some investors are willing to take risks, but might not have the ability to do so. While other investors may have a high ability to take risks, but due to their risk aversion preference, are not willing to take high risks. An investor’s overall risk tolerance is determined by looking at both, the ability and […]

|April 7th, 2016|Preschool|0 Comments

Understanding Your Risk Tolerance

Way too often, we always hear lovers say “I will risk everything for you. I will do anything for you.” in mushy love stories. But what does that mean, really? What does the person mean when he says “risk”? And does the person really mean “everything”?

So many questions are running through our heads right now. […]

|April 6th, 2016|Preschool|0 Comments

Getting to Know Investment Return

In the investing world, Warren Buffet is almost like a superhero. In 2015, he had a net worth of $66.7 billion – almost 4 times Verizon’s net income for that same year! He is also considered as one of the most successful investors in the world. One of the earliest pieces of advice he gave […]

|April 5th, 2016|Preschool|0 Comments

Getting to Know Investment Risk

There is a 99.9% chance that you are on Facebook. This particular social network is quite necessary these days. We’re also pretty sure you know the owner and founder of Facebook, Mark Zuckerberg. The man has some wise words for all of us: “The biggest risk is not taking any risk. In a world that’s […]

|March 22nd, 2016|Preschool|0 Comments