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If you're going to use a small-cap index like the Russell 2000, you may wish to stop and consider why a great index fund firm, like Vanguard, doesn't have any funds that follow it. The factor is due to the fact that it's a poor index. And also that altering your whole plan from one index to another is rarely what I would call "rebalancing - flexible premium indexed adjustable life insurance." Cash money value life insurance isn't an eye-catching possession class.
I haven't also addressed the straw man here yet, and that is the fact that it is reasonably unusual that you really have to pay either taxes or significant payments to rebalance anyhow. Most intelligent financiers rebalance as much as possible in their tax-protected accounts.
And of training course, no one should be purchasing crammed shared funds, ever. It's really also negative that IULs don't work.
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