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If you're going to use a small-cap index like the Russell 2000, you might wish to stop briefly and consider why a good index fund business, like Vanguard, does not have any funds that follow it. The reason is because it's a poor index.
I have not also addressed the straw guy right here yet, and that is the reality that it is relatively rare that you actually have to pay either tax obligations or substantial payments to rebalance anyhow. I never have. Most smart financiers rebalance as long as feasible in their tax-protected accounts. If that isn't rather adequate, very early accumulators can rebalance simply making use of brand-new payments.
And of course, nobody ought to be buying crammed shared funds, ever. It's really too bad that IULs don't work.
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