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If you're going to utilize a small-cap index like the Russell 2000, you may want to stop briefly and think about why an excellent index fund firm, like Vanguard, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't also resolved the straw man right here yet, and that is the fact that it is relatively rare that you actually have to pay either tax obligations or considerable commissions to rebalance anyway. Most smart capitalists rebalance as much as possible in their tax-protected accounts.
And of course, no one ought to be acquiring packed shared funds, ever. It's really too negative that IULs don't function.
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