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If you're going to use a small-cap index like the Russell 2000, you may wish to pause and consider why a good index fund company, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a lousy index.
I haven't even resolved the straw man right here yet, and that is the fact that it is fairly uncommon that you really need to pay either tax obligations or substantial commissions to rebalance anyhow. I never ever have. Many smart financiers rebalance as long as possible in their tax-protected accounts. If that isn't fairly enough, early collectors can rebalance purely making use of new contributions.
And of training course, nobody needs to be acquiring packed mutual funds, ever. It's really too poor that IULs do not work.
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