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If you're going to make use of a small-cap index like the Russell 2000, you may want to stop and consider why a good index fund company, like Lead, doesn't have any funds that follow it. The factor is since it's a poor index.
I have not even attended to the straw guy below yet, and that is the reality that it is reasonably unusual that you actually have to pay either taxes or substantial compensations to rebalance anyway. I never have. The majority of smart investors rebalance as much as possible in their tax-protected accounts. If that isn't fairly sufficient, very early accumulators can rebalance totally making use of new contributions.
And of course, nobody must be buying packed common funds, ever before. It's really also poor that IULs don't work.
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