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If you're going to utilize a small-cap index like the Russell 2000, you could desire to stop briefly and consider why an excellent index fund firm, like Vanguard, doesn't have any kind of funds that follow it. The reason is because it's a lousy index.
I haven't even addressed the straw guy here yet, and that is the reality that it is reasonably uncommon that you actually have to pay either taxes or significant payments to rebalance anyway. The majority of intelligent financiers rebalance as much as possible in their tax-protected accounts.
And of course, nobody must be buying crammed mutual funds, ever before. It's truly also bad that IULs don't work.
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