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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and think about why a good index fund firm, like Lead, doesn't have any type of funds that follow it. The factor is since it's a poor index.
I have not also resolved the straw man here yet, and that is the fact that it is fairly uncommon that you in fact have to pay either taxes or considerable compensations to rebalance anyhow. Most smart investors rebalance as much as feasible in their tax-protected accounts.
And of course, no one ought to be purchasing loaded common funds, ever before. It's truly too bad that IULs don't function.
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