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If you're going to utilize a small-cap index like the Russell 2000, you could desire to pause and consider why a great index fund company, like Vanguard, doesn't have any funds that follow it. The reason is due to the fact that it's a lousy index.
I haven't even resolved the straw man right here yet, which is the reality that it is relatively rare that you actually need to pay either taxes or considerable payments to rebalance anyway. I never have. The majority of intelligent capitalists rebalance as long as possible in their tax-protected accounts. If that isn't quite adequate, very early accumulators can rebalance simply using brand-new contributions.
And of training course, nobody needs to be buying packed mutual funds, ever. It's really also poor that IULs don't work.
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