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If you're going to use a small-cap index like the Russell 2000, you might wish to stop briefly and take into consideration why a good index fund firm, like Vanguard, does not have any kind of funds that follow it. The factor is since it's a poor index.
I haven't even attended to the straw man here yet, and that is the fact that it is fairly unusual that you really have to pay either tax obligations or considerable payments to rebalance anyway. Many smart financiers rebalance as much as possible in their tax-protected accounts.
And of training course, nobody ought to be purchasing packed mutual funds, ever. It's really too negative that IULs don't work.
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