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If you're going to utilize a small-cap index like the Russell 2000, you might desire to stop and consider why a good index fund company, like Vanguard, does not have any funds that follow it. The reason is because it's a lousy index.
I haven't even attended to the straw guy right here yet, and that is the truth that it is reasonably unusual that you actually have to pay either tax obligations or significant commissions to rebalance anyway. I never ever have. Many smart capitalists rebalance as long as feasible in their tax-protected accounts. If that isn't quite sufficient, very early collectors can rebalance purely making use of brand-new contributions.
And of course, nobody ought to be buying packed common funds, ever before. It's actually also bad that IULs don't work.
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