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If you're going to use a small-cap index like the Russell 2000, you may wish to stop briefly and consider why a great index fund business, like Lead, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.
I haven't even attended to the straw man below yet, which is the reality that it is fairly rare that you in fact need to pay either tax obligations or significant compensations to rebalance anyhow. I never have. A lot of smart investors rebalance as high as possible in their tax-protected accounts. If that isn't quite sufficient, early collectors can rebalance simply making use of brand-new contributions.
And of course, no one needs to be getting crammed shared funds, ever. It's actually also bad that IULs do not work.
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