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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 consider why a good index fund company, like Lead, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.
I have not also addressed the straw guy right here yet, and that is the fact that it is relatively unusual that you actually have to pay either tax obligations or considerable commissions to rebalance anyhow. I never ever have. A lot of intelligent capitalists rebalance as much as feasible in their tax-protected accounts. If that isn't rather adequate, very early accumulators can rebalance totally making use of new payments.
And of training course, nobody should be getting loaded shared funds, ever before. It's really also bad that IULs do not function.
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