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If you're going to use a small-cap index like the Russell 2000, you may desire to pause and consider why a good index fund business, like Vanguard, does not have any type of funds that follow it. The factor is because it's a lousy index.
I haven't also resolved the straw guy here yet, and that is the fact that it is relatively uncommon that you in fact need to pay either tax obligations or considerable payments to rebalance anyhow. I never ever have. Many smart investors rebalance as high as possible in their tax-protected accounts. If that isn't fairly enough, very early accumulators can rebalance purely utilizing new contributions.
And of training course, nobody needs to be getting loaded common funds, ever before. It's really as well bad that IULs do not work.
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