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If you're going to use a small-cap index like the Russell 2000, you may wish to stop briefly and take into consideration why a good index fund business, like Vanguard, does not have any type of funds that follow it. The factor is because it's a poor index.
I have not even attended to the straw guy below yet, and that is the truth that it is fairly rare that you actually have to pay either tax obligations or considerable payments to rebalance anyway. Most intelligent investors rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody must be buying packed mutual funds, ever. It's truly also negative that IULs don't function.
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