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If you're going to use a small-cap index like the Russell 2000, you may wish to pause and consider why a great index fund company, like Vanguard, does not have any kind of funds that follow it. The reason is because it's a poor index. As well as that altering your whole plan from one index to an additional is barely what I would certainly call "rebalancing - indexed universal life insurance comparison." Money value life insurance policy isn't an attractive asset class.
I have not even dealt with the straw guy right here yet, and that is the truth that it is fairly uncommon that you in fact have to pay either taxes or considerable commissions to rebalance anyway. The majority of intelligent capitalists rebalance as much as feasible in their tax-protected accounts.
And of course, nobody should be getting packed common funds, ever. It's truly too bad that IULs do not function.
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