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If you're mosting likely to make use of a small-cap index like the Russell 2000, you may desire to pause and consider why an excellent index fund company, like Vanguard, does not have any funds that follow it. The factor is since it's a poor index. Not to mention that changing your entire plan from one index to an additional is hardly what I would certainly call "rebalancing - growth life insurance." Money worth life insurance policy isn't an appealing property class.
I have not also dealt with the straw guy below yet, which is the reality that it is fairly unusual that you in fact need to pay either tax obligations or substantial compensations to rebalance anyhow. I never ever have. The majority of smart investors rebalance as much as feasible in their tax-protected accounts. If that isn't quite enough, early accumulators can rebalance simply using new contributions.
And of course, nobody ought to be acquiring crammed mutual funds, ever. It's really too negative that IULs do not work.
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