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If you're going to use a small-cap index like the Russell 2000, you could want to pause and think about why a great index fund company, like Lead, doesn't have any funds that follow it. The reason is because it's a lousy index.
I haven't also dealt with the straw man here yet, and that is the fact that it is reasonably unusual that you really have to pay either taxes or substantial payments to rebalance anyway. I never have. The majority of intelligent investors rebalance as much as feasible in their tax-protected accounts. If that isn't quite sufficient, very early collectors can rebalance purely making use of new payments.
And of program, no one must be getting crammed mutual funds, ever. It's really also poor that IULs do not function.
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