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If you're going to make use of a small-cap index like the Russell 2000, you may want to stop and take into consideration why a good index fund company, like Vanguard, does not have any kind of funds that follow it. The reason is because it's a poor index.
I have not even resolved the straw man below yet, which is the fact that it is reasonably uncommon that you in fact need to pay either tax obligations or considerable commissions to rebalance anyhow. I never have. Most smart financiers rebalance as long as feasible in their tax-protected accounts. If that isn't quite adequate, early collectors can rebalance purely making use of new payments.
And of program, no one ought to be purchasing packed mutual funds, ever. It's truly too poor that IULs don't function.
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