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If you're going to utilize a small-cap index like the Russell 2000, you might wish to stop and think about why an excellent index fund company, like Lead, doesn't have any type of funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even dealt with the straw man below yet, and that is the truth that it is reasonably unusual that you actually have to pay either tax obligations or substantial commissions to rebalance anyway. A lot of intelligent investors rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody should be buying crammed shared funds, ever. It's really also negative that IULs don't function.
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