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If you're going to make use of a small-cap index like the Russell 2000, you could want to pause and consider why a great index fund company, like Vanguard, does not have any kind of funds that follow it. The factor is because it's a poor index.
I haven't also dealt with the straw guy below yet, and that is the truth that it is relatively uncommon that you really have to pay either taxes or considerable commissions to rebalance anyway. Many smart capitalists rebalance as much as possible in their tax-protected accounts.
And of program, no one ought to be buying packed common funds, ever before. It's actually as well bad that IULs do not work.
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