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If you're going to make use of a small-cap index like the Russell 2000, you could want to pause and take into consideration why a great index fund business, like Vanguard, doesn't have any funds that follow it. The reason is because it's a lousy index.
I haven't also attended to the straw man right here yet, and that is the reality that it is relatively unusual that you in fact need to pay either taxes or substantial payments to rebalance anyway. I never have. Most intelligent financiers rebalance as long as feasible in their tax-protected accounts. If that isn't fairly adequate, early accumulators can rebalance simply utilizing brand-new contributions.
And of course, no one should be buying loaded common funds, ever before. It's really as well poor that IULs don't work.
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