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If you're going to use a small-cap index like the Russell 2000, you may desire to stop briefly and take into consideration why a great index fund firm, like Vanguard, does not have any type of funds that follow it. The factor is because it's a poor index.
I haven't also dealt with the straw man right here yet, and that is the fact that it is fairly rare that you actually have to pay either tax obligations or substantial compensations to rebalance anyway. Many intelligent capitalists rebalance as much as possible in their tax-protected accounts.
And of program, nobody needs to be buying crammed mutual funds, ever. It's truly too bad that IULs don't function.
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