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If you're going to make use of a small-cap index like the Russell 2000, you might wish to stop briefly and take into consideration why a great index fund company, like Vanguard, does not have any funds that follow it. The reason is due to the fact that it's a lousy index. In addition to that transforming your whole plan from one index to another is rarely what I would certainly call "rebalancing - index insurance company." Cash money worth life insurance policy isn't an attractive asset class.
I have not even addressed the straw man below yet, and that is the truth that it is reasonably rare that you in fact have to pay either taxes or substantial payments to rebalance anyhow. Most smart investors rebalance as much as feasible in their tax-protected accounts.
And of program, nobody should be acquiring packed shared funds, ever. It's really as well poor that IULs don't work.
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