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If you're going to utilize a small-cap index like the Russell 2000, you could wish to pause and take into consideration why a good index fund company, like Vanguard, does not have any type of funds that follow it. The factor is due to the fact that it's a lousy index.
I have not even dealt with the straw male right here yet, and that is the fact that it is fairly rare that you really have to pay either tax obligations or substantial payments to rebalance anyway. A lot of smart investors rebalance as much as possible in their tax-protected accounts.
And of course, no one should be acquiring crammed mutual funds, ever. It's really as well poor that IULs do not function.
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