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If you're going to use a small-cap index like the Russell 2000, you could desire to stop and consider why an excellent index fund firm, like Vanguard, does not have any type of funds that follow it. The factor is since it's a lousy index.
I haven't also resolved the straw guy right here yet, and that is the truth that it is relatively unusual that you in fact have to pay either tax obligations or considerable payments to rebalance anyway. A lot of smart investors rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody must be getting crammed common funds, ever. It's truly also negative that IULs do not work.
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