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If you're going to make use of a small-cap index like the Russell 2000, you could want to stop and take into consideration why an excellent index fund business, 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 even attended to the straw man below yet, which is the truth that it is reasonably unusual that you really have to pay either taxes or considerable payments to rebalance anyway. I never have. Many intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't rather sufficient, early accumulators can rebalance totally using new contributions.
And of training course, no one ought to be purchasing crammed mutual funds, ever before. It's really too bad that IULs do not function.
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