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If you're going to use a small-cap index like the Russell 2000, you may wish to pause and consider why a great index fund company, like Vanguard, doesn't have any funds that follow it. The factor is due to the fact that it's a poor index.
I haven't even dealt with the straw man here yet, which is the truth that it is fairly uncommon that you actually need to pay either taxes or substantial commissions to rebalance anyway. I never ever have. A lot of intelligent capitalists rebalance as much as possible in their tax-protected accounts. If that isn't quite sufficient, very early collectors can rebalance totally using brand-new payments.
And of program, no one ought to be getting loaded mutual funds, ever before. It's really also poor that IULs don't work.
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