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If you're going to utilize a small-cap index like the Russell 2000, you could desire to stop and consider why an excellent index fund firm, like Lead, does not have any type of funds that follow it. The reason is due to the fact that it's a poor index.
I have not also addressed the straw guy here yet, and that is the reality that it is fairly unusual that you actually have to pay either taxes or substantial compensations to rebalance anyway. Many smart investors rebalance as much as feasible in their tax-protected accounts.
And of training course, no one needs to be getting crammed mutual funds, ever before. It's actually also negative that IULs don't work.
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