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If you're going to use a small-cap index like the Russell 2000, you might desire to stop and think about why a good index fund firm, like Lead, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a lousy index. Not to mention that altering your entire plan from one index to an additional is hardly what I would call "rebalancing - index universal life vs 401k." Cash money worth life insurance policy isn't an appealing asset course.
I haven't also resolved the straw man below yet, and that is the truth that it is relatively rare that you really have to pay either taxes or considerable payments to rebalance anyway. Many smart capitalists rebalance as much as possible in their tax-protected accounts.
And of program, no one must be getting loaded common funds, ever. It's really too bad that IULs don't work.
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