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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 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 since it's a poor index.
I haven't even resolved the straw guy below yet, and that is the truth that it is fairly unusual that you in fact have to pay either taxes or considerable compensations to rebalance anyway. Most smart investors rebalance as much as possible in their tax-protected accounts.
And of program, no one should be getting crammed common funds, ever. It's actually as well bad that IULs don't function.
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