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If you're going to use a small-cap index like the Russell 2000, you might desire to stop briefly and consider why an excellent index fund company, like Vanguard, does not have any type of funds that follow it. The factor is because it's a poor index.
I have not even resolved the straw man here yet, and that is the fact that it is relatively uncommon that you really have to pay either tax obligations or significant payments to rebalance anyway. A lot of smart investors rebalance as much as feasible in their tax-protected accounts.
And of program, nobody needs to be getting packed mutual funds, ever. It's actually as well negative that IULs do not work.
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