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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and consider why an excellent index fund firm, like Vanguard, does not have any type of funds that follow it. The reason is due to the fact that it's a poor index. And also that transforming your whole policy from one index to one more is barely what I would call "rebalancing - iul for retirement income." Money value life insurance policy isn't an attractive possession course.
I have not even resolved the straw male below yet, and that is the fact that it is reasonably unusual that you in fact have to pay either taxes or significant payments to rebalance anyway. Many smart capitalists rebalance as much as feasible in their tax-protected accounts.
And of training course, no one needs to be purchasing crammed common funds, ever. It's really also bad that IULs don't function.
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