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If you're going to use a small-cap index like the Russell 2000, you may want to stop and consider why an excellent index fund firm, like Vanguard, doesn't have any type of funds that follow it. The factor is because it's a poor index.
I have not even attended to the straw man below yet, and that is the truth that it is reasonably rare that you in fact need to pay either taxes or significant compensations to rebalance anyway. I never ever have. Most smart investors rebalance as much as possible in their tax-protected accounts. If that isn't fairly adequate, early accumulators can rebalance simply using new payments.
And of course, no one must be purchasing loaded shared funds, ever. It's truly as well poor that IULs don't work.
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