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If you're going to utilize a small-cap index like the Russell 2000, you might want to stop and consider why an excellent index fund company, like Vanguard, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a poor index.
I haven't also dealt with the straw man right here yet, and that is the truth that it is relatively rare that you actually have to pay either taxes or considerable payments to rebalance anyway. The majority of intelligent investors rebalance as much as possible in their tax-protected accounts.
And of training course, no one needs to be acquiring loaded mutual funds, ever. It's actually too poor that IULs don't function.
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