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If you're going to utilize a small-cap index like the Russell 2000, you might wish to stop and think about why a great index fund company, like Vanguard, does not have any funds that follow it. The factor is because it's a poor index.
I haven't even attended to the straw man right here yet, and that is the fact that it is relatively unusual that you in fact have to pay either tax obligations or considerable compensations to rebalance anyway. Most intelligent financiers rebalance as much as possible in their tax-protected accounts.
And of program, nobody must be buying loaded common funds, ever. It's actually also poor that IULs don't function.
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