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If you're going to use a small-cap index like the Russell 2000, you could desire to stop briefly and consider why a great index fund business, like Vanguard, does not have any funds that follow it. The reason is since it's a lousy index.
I haven't even resolved the straw man below yet, and that is the fact that it is relatively unusual that you actually need to pay either tax obligations or substantial commissions to rebalance anyway. I never have. The majority of smart financiers rebalance as long as possible in their tax-protected accounts. If that isn't quite enough, very early accumulators can rebalance totally making use of new payments.
And of program, nobody needs to be purchasing packed shared funds, ever. It's actually also poor that IULs don't work.
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