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If you're going to make use of a small-cap index like the Russell 2000, you may want to pause and consider why an excellent index fund firm, like Vanguard, does not have any type of funds that follow it. The factor is since it's a poor index.
I haven't also addressed the straw male below yet, and that is the reality that it is fairly uncommon that you actually have to pay either tax obligations or significant compensations to rebalance anyway. Most intelligent investors rebalance as much as possible in their tax-protected accounts.
And of training course, nobody should be acquiring crammed shared funds, ever before. It's truly also poor that IULs do not work.
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