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If you're going to use a small-cap index like the Russell 2000, you might want to stop briefly and take into consideration why an excellent index fund firm, like Lead, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even dealt with the straw guy below yet, and that is the reality that it is fairly uncommon that you in fact have to pay either tax obligations or significant compensations to rebalance anyway. The majority of smart investors rebalance as much as feasible in their tax-protected accounts.
And of program, nobody ought to be acquiring loaded shared funds, ever before. It's actually too bad that IULs do not function.
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