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If you're going to use a small-cap index like the Russell 2000, you could wish to stop and consider why a good index fund company, like Lead, doesn't have any type of funds that follow it. The reason is since it's a lousy index.
I haven't even attended to the straw guy below yet, and that is the reality that it is relatively uncommon that you in fact have to pay either tax obligations or significant compensations to rebalance anyway. Many intelligent financiers rebalance as much as possible in their tax-protected accounts.
And of training course, nobody needs to be buying crammed mutual funds, ever before. It's really too poor that IULs do not work.
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