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If you're going to utilize a small-cap index like the Russell 2000, you may want to stop briefly and think about why a good index fund firm, like Lead, doesn't have any type of funds that follow it. The reason is due to the fact that it's a poor index.
I have not also resolved the straw guy below yet, and that is the truth that it is relatively uncommon that you in fact have to pay either taxes or considerable compensations to rebalance anyway. Many smart investors rebalance as much as possible in their tax-protected accounts.
And of training course, nobody must be purchasing crammed shared funds, ever before. It's truly too bad that IULs don't work.
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