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If you're going to make use of a small-cap index like the Russell 2000, you may want to stop briefly and think about why a good index fund firm, like Lead, does not have any funds that follow it. The reason is due to the fact that it's a poor index.
I haven't even resolved the straw man here yet, and that is the truth that it is fairly unusual that you really need to pay either tax obligations or considerable compensations to rebalance anyway. I never have. Most intelligent investors rebalance as high as possible in their tax-protected accounts. If that isn't rather enough, very early accumulators can rebalance totally using new contributions.
And of program, nobody must be getting loaded common funds, ever. It's really also bad that IULs don't work.
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