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If you're going to make use of a small-cap index like the Russell 2000, you may want to stop and think about why an excellent index fund company, like Lead, does not have any type of funds that follow it. The reason is because it's a poor index.
I have not also dealt with the straw man here yet, which is the truth that it is reasonably rare that you actually have to pay either taxes or substantial compensations to rebalance anyway. I never have. Many intelligent investors rebalance as long as possible in their tax-protected accounts. If that isn't fairly adequate, very early accumulators can rebalance totally utilizing brand-new contributions.
And of course, no one needs to be buying loaded mutual funds, ever before. It's really too bad that IULs don't work.
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