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If you're going to make use of a small-cap index like the Russell 2000, you might want to stop briefly and think about why an excellent index fund company, like Vanguard, does not have any kind of funds that follow it. The reason is since it's a poor index.
I haven't even addressed the straw guy below yet, and that is the fact that it is reasonably rare that you actually have to pay either tax obligations or considerable payments to rebalance anyway. Most smart capitalists rebalance as much as possible in their tax-protected accounts.
And of training course, nobody needs to be purchasing loaded mutual funds, ever. It's truly also bad that IULs don't function.
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