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If you're going to utilize a small-cap index like the Russell 2000, you may want to pause and take into consideration why a good index fund company, like Vanguard, doesn't have any funds that follow it. The reason is since it's a poor index.
I haven't even addressed the straw male below yet, which is the truth that it is relatively uncommon that you actually need to pay either taxes or considerable commissions to rebalance anyhow. I never ever have. A lot of smart capitalists rebalance as long as possible in their tax-protected accounts. If that isn't rather adequate, early collectors can rebalance simply utilizing brand-new payments.
And of course, nobody needs to be buying crammed mutual funds, ever. It's really also negative that IULs do not work.
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