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If you're going to use a small-cap index like the Russell 2000, you could want to pause and consider why a great index fund business, like Vanguard, does not have any kind of funds that follow it. The reason is due to the fact that it's a poor index.
I haven't even dealt with the straw man right here yet, and that is the fact that it is fairly uncommon that you really have to pay either taxes or significant compensations to rebalance anyway. Most smart financiers rebalance as much as possible in their tax-protected accounts.
And of training course, nobody must be purchasing crammed shared funds, ever. It's actually as well poor that IULs do not function.
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