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If you're going to make use of a small-cap index like the Russell 2000, you might want to stop briefly and consider why a good index fund business, like Vanguard, doesn't have any funds that follow it. The factor is since it's a poor index. And also that transforming your whole plan from one index to one more is rarely what I would call "rebalancing - universal life vs whole life which is better." Cash money worth life insurance policy isn't an attractive asset course.
I haven't also resolved the straw guy here yet, and that is the fact that it is fairly uncommon that you really have to pay either taxes or substantial payments to rebalance anyhow. The majority of intelligent investors rebalance as much as possible in their tax-protected accounts.
And of training course, no one ought to be purchasing packed shared funds, ever before. It's really too negative that IULs don't function.
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