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If you're going to make use of a small-cap index like the Russell 2000, you may wish to pause and consider why a good index fund firm, like Vanguard, doesn't have any funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even addressed the straw man here yet, and that is the truth that it is reasonably rare that you actually have to pay either taxes or considerable commissions to rebalance anyhow. A lot of intelligent investors rebalance as much as feasible in their tax-protected accounts.
And of course, nobody should be acquiring crammed shared funds, ever before. It's actually too bad that IULs do not work.
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