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If you're going to utilize a small-cap index like the Russell 2000, you might wish to pause and take into consideration why a great index fund business, like Vanguard, does not have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I have not even addressed the straw guy below yet, and that is the fact that it is reasonably uncommon that you really have to pay either taxes or considerable commissions to rebalance anyhow. I never ever have. A lot of intelligent investors rebalance as much as possible in their tax-protected accounts. If that isn't rather sufficient, early accumulators can rebalance simply making use of brand-new payments.
And of training course, nobody should be buying packed mutual funds, ever before. It's truly also negative that IULs do not function.
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