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If you're going to use a small-cap index like the Russell 2000, you could want to stop and consider why an excellent index fund business, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a poor index.
I have not even addressed the straw guy below yet, which is the fact that it is fairly unusual that you actually need to pay either taxes or significant payments to rebalance anyhow. I never have. Many intelligent investors rebalance as much as possible in their tax-protected accounts. If that isn't rather adequate, early collectors can rebalance purely using brand-new contributions.
And of program, nobody needs to be buying loaded common funds, ever before. It's truly also bad that IULs do not work.
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