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If you're going to use a small-cap index like the Russell 2000, you may desire to pause and consider why a great index fund company, like Vanguard, does not have any type of funds that follow it. The factor is since it's a poor index.
I have not also dealt with the straw male here yet, and that is the reality that it is fairly uncommon that you actually have to pay either taxes or considerable payments to rebalance anyhow. Most smart investors rebalance as much as possible in their tax-protected accounts.
And of course, no one needs to be acquiring loaded mutual funds, ever. It's really as well bad that IULs do not work.
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