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If you're going to use a small-cap index like the Russell 2000, you might desire to stop and consider why a good index fund company, like Lead, does not have any kind of funds that follow it. The factor is since it's a poor index.
I haven't even resolved the straw man below yet, and that is the truth that it is fairly unusual that you really have to pay either taxes or significant commissions to rebalance anyhow. A lot of intelligent investors rebalance as much as possible in their tax-protected accounts.
Decumulators can do it by withdrawing from property classes that have actually done well. And naturally, no one must be buying loaded shared funds, ever. Well, I hope blog posts like these help you to translucent the sales techniques frequently used by "monetary professionals." It's really regrettable that IULs do not work.
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