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If you're going to use a small-cap index like the Russell 2000, you might desire to stop briefly and think about why a good index fund firm, like Vanguard, does not have any type of funds that follow it. The reason is since it's a lousy index.
I have not even resolved the straw male here yet, and that is the fact that it is fairly unusual that you actually need to pay either tax obligations or substantial commissions to rebalance anyway. I never ever have. Many intelligent investors rebalance as much as possible in their tax-protected accounts. If that isn't quite adequate, early collectors can rebalance simply using brand-new contributions.
Decumulators can do it by withdrawing from possession courses that have succeeded. And obviously, nobody ought to be getting packed shared funds, ever. Well, I really hope messages like these help you to see through the sales tactics usually used by "financial professionals." It's truly also bad that IULs don't work.
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