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If you're going to utilize a small-cap index like the Russell 2000, you may wish to stop briefly and think about why a great index fund firm, like Lead, does not have any kind of funds that follow it. The reason is due to the fact that it's a poor index.
I have not even attended to the straw man here yet, and that is the truth that it is relatively uncommon that you in fact have to pay either tax obligations or significant compensations to rebalance anyway. A lot of intelligent financiers rebalance as much as feasible in their tax-protected accounts.
And of course, no one ought to be buying crammed mutual funds, ever. It's really too bad that IULs don't function.
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