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If you're going to use a small-cap index like the Russell 2000, you may want to pause and take into consideration why an excellent index fund firm, like Vanguard, does not have any type of funds that follow it. The reason is since it's a poor index.
I have not even resolved the straw male below yet, and that is the truth that it is fairly unusual that you actually have to pay either taxes or substantial compensations to rebalance anyway. Many intelligent capitalists rebalance as much as possible in their tax-protected accounts.
And of training course, nobody should be getting crammed mutual funds, ever before. It's really as well negative that IULs do not work.
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