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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and consider why an excellent index fund firm, like Lead, doesn't have any type of funds that follow it. The reason is because it's a poor index.
I haven't also addressed the straw male right here yet, and that is the fact that it is fairly unusual that you in fact have to pay either tax obligations or substantial commissions to rebalance anyway. The majority of intelligent capitalists rebalance as much as possible in their tax-protected accounts.
And of program, no one should be buying crammed shared funds, ever before. It's really too negative that IULs don't function.
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