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If you're going to use a small-cap index like the Russell 2000, you may wish to pause and think about why an excellent index fund company, like Lead, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I have not even resolved the straw man right here yet, which is the reality that it is reasonably rare that you really have to pay either tax obligations or considerable payments to rebalance anyway. I never ever have. Most smart investors rebalance as much as possible in their tax-protected accounts. If that isn't rather adequate, early accumulators can rebalance totally using new contributions.
And of program, no one should be acquiring loaded mutual funds, ever before. It's truly too negative that IULs do not work.
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