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If you're going to use a small-cap index like the Russell 2000, you may wish to stop briefly and consider why a great index fund firm, like Lead, doesn't have any funds that follow it. The factor is since it's a lousy index.
I haven't also resolved the straw man here yet, and that is the truth that it is fairly uncommon that you actually need to pay either tax obligations or significant commissions to rebalance anyway. I never ever have. Many intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't rather enough, early collectors can rebalance totally utilizing brand-new contributions.
And of course, nobody ought to be getting packed shared funds, ever before. It's truly as well negative that IULs don't function.
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