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If you're going to use a small-cap index like the Russell 2000, you could want to stop briefly and think about why a great index fund firm, like Vanguard, doesn't have any kind of funds that follow it. The reason is because it's a lousy index.
I haven't also addressed the straw man right here yet, which is the reality that it is relatively uncommon that you in fact need to pay either tax obligations or substantial payments to rebalance anyhow. I never have. The majority of smart capitalists rebalance as much as feasible in their tax-protected accounts. If that isn't rather adequate, early accumulators can rebalance simply using brand-new payments.
And of training course, nobody should be buying packed mutual funds, ever. It's truly also bad that IULs do not work.
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