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If you're going to make use of a small-cap index like the Russell 2000, you might want to stop briefly and think about why a good index fund firm, like Vanguard, does not have any funds that follow it. The reason is due to the fact that it's a lousy index.
I haven't even dealt with the straw male here yet, and that is the reality that it is relatively uncommon that you in fact have to pay either taxes or considerable commissions to rebalance anyhow. Most smart investors rebalance as much as possible in their tax-protected accounts.
And of course, no one must be purchasing packed common funds, ever before. It's actually as well poor that IULs don't function.
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