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If you're going to use a small-cap index like the Russell 2000, you could want to stop and consider why a great index fund business, like Vanguard, does not have any funds that follow it. The factor is because it's a poor index.
I haven't also dealt with the straw male below yet, which is the truth that it is relatively uncommon that you in fact need to pay either taxes or significant compensations to rebalance anyway. I never have. The majority of intelligent investors rebalance as much as feasible in their tax-protected accounts. If that isn't fairly adequate, very early accumulators can rebalance simply using brand-new contributions.
And of program, no one ought to be getting loaded shared funds, ever before. It's really as well negative that IULs don't function.
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