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If you're going to use a small-cap index like the Russell 2000, you may want to stop and consider why an excellent index fund business, like Vanguard, does not have any kind of funds that follow it. The reason is due to the fact that it's a lousy index.
I have not even resolved the straw male here yet, and that is the reality that it is relatively unusual that you really have to pay either taxes or substantial commissions to rebalance anyhow. I never ever have. Most intelligent financiers rebalance as high as feasible in their tax-protected accounts. If that isn't fairly enough, early accumulators can rebalance simply making use of brand-new payments.
And of program, nobody ought to be getting packed common funds, ever before. It's really as well bad that IULs don't function.
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