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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 a great index fund firm, like Vanguard, doesn't have any type of funds that follow it. The factor is due to the fact that it's a poor index.
I haven't even resolved the straw man below yet, which is the fact that it is fairly unusual that you really need to pay either taxes or substantial payments to rebalance anyhow. I never ever have. A lot of intelligent financiers rebalance as long as feasible in their tax-protected accounts. If that isn't rather sufficient, very early accumulators can rebalance purely making use of new contributions.
And of course, no one must be getting packed mutual funds, ever. It's actually also poor that IULs do not function.
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