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If you're going to utilize a small-cap index like the Russell 2000, you could want to stop and think about why a good index fund company, like Lead, doesn't have any funds that follow it. The factor is due to the fact that it's a lousy index.
I have not even resolved the straw guy below yet, and that is the reality that it is reasonably uncommon that you actually have to pay either tax obligations or substantial commissions to rebalance anyway. Many intelligent financiers rebalance as much as feasible in their tax-protected accounts.
And of course, nobody ought to be acquiring packed mutual funds, ever before. It's really too bad that IULs don't work.
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