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If you're going to utilize a small-cap index like the Russell 2000, you may desire to pause and consider why a good index fund business, like Vanguard, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even attended to the straw man below yet, and that is the reality that it is fairly unusual that you actually have to pay either tax obligations or substantial compensations to rebalance anyhow. I never have. Most smart investors rebalance as much as feasible in their tax-protected accounts. If that isn't quite enough, very early collectors can rebalance totally using new payments.
And of course, nobody must be purchasing crammed mutual funds, ever. It's really too negative that IULs don't function.
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