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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 factor is since it's a lousy index.
I have not also attended to the straw man below yet, and that is the reality that it is relatively rare that you actually have to pay either tax obligations or considerable compensations to rebalance anyhow. The majority of intelligent capitalists rebalance as much as possible in their tax-protected accounts.
And of course, no one should be acquiring crammed common funds, ever before. It's really as well poor that IULs don't work.
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