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If you're going to use a small-cap index like the Russell 2000, you might want to stop and think about why a good index fund business, like Lead, doesn't have any kind of funds that follow it. The reason is because it's a poor index.

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I have not even attended to the straw male right here yet, and that is the reality that it is fairly rare that you in fact have to pay either taxes or considerable payments to rebalance anyhow. Most smart financiers rebalance as much as feasible in their tax-protected accounts.

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And of course, no one should be acquiring loaded shared funds, ever before. It's truly as well bad that IULs do not function.