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If you're going to use a small-cap index like the Russell 2000, you might desire to pause and think about why a good index fund company, like Vanguard, does not have any kind of funds that follow it. The factor is because it's a poor index.
I have not also attended to the straw man below yet, which is the reality that it is reasonably unusual that you actually need to pay either tax obligations or significant commissions to rebalance anyhow. I never have. Most smart investors rebalance as high as feasible in their tax-protected accounts. If that isn't quite adequate, early accumulators can rebalance totally using brand-new payments.
And of program, nobody must be buying crammed mutual funds, ever. It's actually also negative that IULs don't function.
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