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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 consider why a great index fund business, like Vanguard, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.
I have not even attended to the straw guy here yet, and that is the truth that it is fairly uncommon that you in fact have to pay either tax obligations or significant commissions to rebalance anyway. Many smart investors rebalance as much as possible in their tax-protected accounts.
And of course, nobody should be acquiring crammed mutual funds, ever before. It's really too negative that IULs do not function.
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