Chaz Ruffin Finance

Strength and conditioning coach with a passion for investing | Sharing daily insights on personal finance, investing, and strength & conditioning

[Chaz Ruffin Finance @RuffinFinance]

If you’re new to investing and need a quick cheat sheet here you go.

These are a few of the best funds from some of the top fund providers:

S&P 500:
$VOO (Vanguard)
$FXAIX (Fidelity)
$IVV (IShares)

Total US Market:
$VTI (Vanguard)
$FZROX (Fidelity)
$ITOT (IShares)

Total International Market:
$VXUS (Vanguard)
$FZILX (Fidelity)
$IXUS (IShares)

US Small Cap:
$VIOV (Vanguard)
$FISVX (Fidelity)
$IJS (IShares)

REITs:
$VNQ (Vanguard)
$FREL (Fidelity)
$IYR (IShares)

Bonds:
$BND (Vanguard)
$FBND (Fidelity)
$IUSB (IShares)

[Chaz Ruffin Finance @RuffinFinance]

@HumbullHodl @BritishHodl DU A. UB

[Chaz Ruffin Finance @RuffinFinance]

@JimJnb22 @GuyTalksFinance No I’m not. It trades live only during market hours. $FBTC is up 1.9% since it’s last closing price, Bitcoin trading never closes thus the discrepancy.

[Chaz Ruffin Finance @RuffinFinance]

@JimJnb22 @GuyTalksFinance $FBTC and other Bitcoin ETFs only trade during market hours while Bitcoin trades 24/7.

The change in price of $FBTC is based on where it traded in the previous day’s market hours (or after hours trading) compared to where it trades during today’s market hours.

[Chaz Ruffin Finance @RuffinFinance]

@GuyTalksFinance No problem!

[Chaz Ruffin Finance @RuffinFinance]

@DividendBreeder I prefer $FBTC because they self custody their own Bitcoin instead of relying on Coinbase

[Chaz Ruffin Finance @RuffinFinance]

@vommacharm @GuyTalksFinance @rajatsoni The term store of value literally means that an asset or currency maintains its purchasing power over time. The dollar failed at that a long time ago.

[Chaz Ruffin Finance @RuffinFinance]

@GuyTalksFinance @rajatsoni Personally, I don’t see Bitcoin’s primary future purpose as being a “currency” or medium of exchange, but a potential reserve asset and store of value.

An asset that can’t be manipulated is a net good for society, especially for those living in places experiencing hyperinflation

[Chaz Ruffin Finance @RuffinFinance]

@itsthewealth4me All good here, just took a little break from social media. Hope all is well with you!

[Chaz Ruffin Finance @RuffinFinance]

If all of your portfolio is in S&P 500 or NASDAQ 100 funds you might not be as diversified as you think.

The top 10 holdings make up 34% of the S&P 500 and 50% of the NASDAQ 100.

Here are a few of my favorite ETFs to help diversify a portfolio:

Small Caps)
$AVUV
$DFSV
$VIOV
$AVDV (International)
$AVEE (Emerging Markets)

International)
$VXUS
$AVDE
$DFAX
$AVNV
$AVES

Global)
$VT
$DFAW
$AVGE
$AVGV

[Chaz Ruffin Finance @RuffinFinance]

@MrBudgetBill Yeah all good man. Just been really busy with work and decided to take a break. Appreciate you checking in though!

[Chaz Ruffin Finance @RuffinFinance]

@lindsaystamp3 Thank you, I hope all is well with you too!

I’ve been taking a little bit of a social media break. I gotta say it’s been nice not being glued to my phone so much lol

[Chaz Ruffin Finance @RuffinFinance]

@michaelp4283 @SCHDETF Indirectly. I’d rather target value directly without limiting stocks based on their dividend policy

[Chaz Ruffin Finance @RuffinFinance]

It’s unnecessary to hold a dividend fund like $SCHD and a growth fund like $SCHG in addition to funds like $VOO.

$SCHD is essentially a large cap value fund, $SCHG is a large cap growth fund, and $VOO is a large cap blend fund.

Combining all three together is a roundabout way of recreating $VOO.

For example, a portfolio of 50% $VOO, 25% $SCHD, and 25% $SCHG has a 0.99 correlation with $VOO with nearly identical returns.

[Chaz Ruffin Finance @RuffinFinance]

@michaelp4283 @SCHDETF Agreed. I’m all for diversifying, though I prefer diversifying with small cap, value, and international stocks.

[Chaz Ruffin Finance @RuffinFinance]

There are much worse ways to invest, but if you can accomplish the same thing with less funds then using less funds is a no brainer imo.

I think people greatly overlook the value of simplicity in a portfolio. Less funds helps investors resist the urge to tinker with their portfolio and chase recent performance.

I also don’t think it’s necessary to overweight growth stocks when you’re younger considering value outperforms growth historically.

https://t.co/ZjUhanAM6D

[Chaz Ruffin Finance @RuffinFinance]

Contrary to popular belief historically growth stocks have not outperformed value stocks.

Many people suffer from recency bias and tend to assume the outperformance of growth over value in the past decade is the norm.

However, value stocks have outperformed growth stocks both domestically and internationally by 2-5%/yr going back to the 1920s.

[Chaz Ruffin Finance @RuffinFinance]

@KingMakerIQ @SivsPicks @Dividend_Dr @DivStockpile @DividendDesi @DairyLandDiv @MzNovieInvest @MillionsWithMe @SavingsCaptain @Dividend_Engine Thank you for the shout out, I appreciate it King!

[Chaz Ruffin Finance @RuffinFinance]

@zachmelloh26 Great information here Zach! I think a lot of people avoid building an estate plan until it’s too late.

[Luke Swanson @Luke_Swanson_]

“What it basically shows visually is that SCV going back to 1930 tended to have really long periods where it underperforms the S&P 500, and then relatively short bursts of outperformance…You’ve got to stay in your seat if you want to capture that.”

SCV GANG 🗣️

[Chaz Ruffin Finance @RuffinFinance]

@zachmelloh26 Great thread man! This is such a great strategy to implement for high income earners