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If you're going to make use of a small-cap index like the Russell 2000, you may desire to pause and take into consideration why an excellent index fund business, like Vanguard, doesn't have any type of funds that follow it. The factor is because it's a lousy index.
I have not even dealt with the straw male below yet, which is the reality that it is relatively rare that you actually need to pay either taxes or significant commissions to rebalance anyhow. I never ever have. A lot of intelligent investors rebalance as much as feasible in their tax-protected accounts. If that isn't fairly enough, very early collectors can rebalance simply using new payments.
And of course, no one must be acquiring loaded common funds, ever. It's actually as well negative that IULs do not function.
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