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If you're going to use a small-cap index like the Russell 2000, you might wish to pause and consider why a good index fund firm, like Vanguard, does not have any funds that follow it. The factor is since it's a lousy index.
I have not even resolved the straw guy below yet, and that is the fact that it is fairly unusual that you in fact have to pay either taxes or substantial commissions to rebalance anyhow. The majority of intelligent investors rebalance as much as possible in their tax-protected accounts.
Decumulators can do it by taking out from asset courses that have succeeded. And naturally, no one needs to be purchasing crammed mutual funds, ever. Well, I hope messages like these help you to translucent the sales strategies usually utilized by "financial experts." It's actually too bad that IULs do not work.
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