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If you're going to utilize a small-cap index like the Russell 2000, you might want to stop and consider why an excellent index fund firm, like Lead, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.
I have not also attended to the straw guy here yet, and that is the reality that it is fairly uncommon that you in fact have to pay either tax obligations or significant payments to rebalance anyhow. A lot of smart investors rebalance as much as possible in their tax-protected accounts.
And of training course, nobody should be getting crammed common funds, ever before. It's really as well poor that IULs do not function.
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