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If you're going to utilize a small-cap index like the Russell 2000, you could wish to pause and take into consideration why a great index fund firm, like Vanguard, does not have any kind of funds that follow it. The reason is because it's a lousy index.
I have not even attended to the straw male below yet, and that is the fact that it is relatively uncommon that you actually need to pay either taxes or substantial commissions to rebalance anyway. I never ever have. The majority of intelligent investors rebalance as much as possible in their tax-protected accounts. If that isn't quite adequate, early accumulators can rebalance purely utilizing new contributions.
And of training course, nobody ought to be buying crammed common funds, ever. It's really as well poor that IULs do not work.
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