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If you're going to utilize a small-cap index like the Russell 2000, you might desire to pause and consider why an excellent index fund business, like Vanguard, doesn't have any type of funds that follow it. The reason is since it's a lousy index.
I have not also dealt with the straw guy below yet, and that is the fact that it is relatively uncommon that you in fact have to pay either taxes or substantial commissions to rebalance anyway. Most smart capitalists rebalance as much as feasible in their tax-protected accounts.
And of course, no one needs to be purchasing loaded common funds, ever. It's truly as well negative that IULs don't work.
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