Posted by Michael Ruhlmann on Thursday, October 10, 2017 10:15:11 When Michael Rughman was just 23 years old, he was a part-time investor in a tech company, but his goal was bigger than just making money.

He was working toward a doctorate in bioengineering and he wanted to see if he could build a stock ETF portfolio.

“We were looking at $100 million,” Rughmans wife, Jill, told CNBC.

“It was very ambitious and it was ambitious, and I had no idea what to expect.

I remember the first day I woke up, I was shocked.

I went into the kitchen and I looked at my portfolio, and it looked like this.”

He had been investing for the past eight years, but he had never looked at an ETF.

“I was surprised, I had never thought of that.

So I started looking, and that was when I knew I was on to something,” Ruchman said.

Now he has $300 million in assets under management, and he says he has no regrets about starting the fund.

“The first time I put money into an ETF, it was really just a way to diversify and to be diversified, and then to have that opportunity come back, I’m really proud of that,” Ruhmans wife said.

Rughms wife, a physician, is a stock-trading veteran and also has a PhD in bioethics.

She says she and her husband both had “no clue” what an ETF was.

“That was really the thing that was really scary about it, and was a bit scary for us to know,” Jill Rughmann said.

“So we’ve been doing it, we’ve learned about it.

And then when it comes to the actual management, it’s like, ‘Oh my God, what am I doing?’

But we’re still doing it.”

So how did it happen?

Jill Ruchmans advice to her husband was simple.

“My husband, he had no clue,” Jill said.

Her husband, a registered nurse, was in the process of getting his doctorate when he came across the idea.

“He just knew it was going to be a huge, huge undertaking and it would take time,” Jill recalled.

“But he said, ‘We’re going to make money,’ and he started to invest.”

He said that he thought, ‘I want to make a lot of money,’ but he really didn’t know what he was doing.

“And then, when he got there, I said, [it’s] just an ETF,” Rachman said, “and he said: ‘Well, that’s awesome.’

And we started investing, and we’re at over $100,000 now.”

The fund has grown to over $400 million and is now up to $700 million in total assets.

Jill Ruhman says that she has a good idea of how to do it, but she doesn’t want to be too cautious.

“Because we know that it’s a very big undertaking, and you’re going into a very difficult financial market and the money will be very volatile,” she said.

Jill and Michael Ruchm are just the latest in a growing list of investors who are looking to diversified portfolios.

The U.S. is the largest trading market in the world and in the past few years, hedge funds have been able to become even more diversified.

In 2015, hedge fund manager and former U.K. Prime Minister, Boris Johnson, was named the largest hedge fund by the investment firm Fidelity Investments.

“You can’t do a good job of investing in your own portfolio and investing in a lot or a small portion of your portfolio, which is what hedge funds are, in a way,” said Michael Rumph, a portfolio manager at the hedge fund, Fidelity.

“They’re all going to have their own interests, but they’re going be diversifying and they’re all diversifying in a good way, in my opinion.”

Investors have been investing in the ETF market for decades, but the market has exploded in recent years.

According to the National Futures Association, the ETF industry grew from $25 billion in 2000 to $50 billion in 2015.

Investors can buy ETFs and hold them in their portfolios, which allows them to invest in stocks and bonds.

In addition to being diversified in size and cost, ETFs are also tax-efficient, which helps keep them from being overly regulated.

ETFs have been around for decades.

There are currently more than 3,000 ETFs in the U.s. market, with about $2.2 trillion in assets.

The ETF market is still very new to the investing public, but there is a growing interest in investing in it.

In the past year, a growing number of investors have turned to