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If you're going to make use of a small-cap index like the Russell 2000, you could wish to pause and think about why a good index fund company, like Vanguard, doesn't have any kind of funds that follow it. The reason is because it's a poor index.
I have not also resolved the straw man below yet, and that is the truth that it is relatively rare that you actually have to pay either tax obligations or considerable payments to rebalance anyhow. The majority of smart investors rebalance as much as feasible in their tax-protected accounts.
And of program, no one should be purchasing loaded shared funds, ever before. It's actually also bad that IULs don't work.
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