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If you're going to use a small-cap index like the Russell 2000, you might want to stop briefly and take into consideration why a good index fund business, like Lead, doesn't have any funds that follow it. The reason is because it's a lousy index. Not to point out that transforming your whole plan from one index to one more is hardly what I would certainly call "rebalancing - should i cancel my universal life insurance policy." Cash money worth life insurance policy isn't an attractive property course.
I have not even addressed the straw man here yet, and that is the reality that it is reasonably unusual that you really need to pay either taxes or considerable commissions to rebalance anyhow. I never have. A lot of intelligent capitalists rebalance as high as possible in their tax-protected accounts. If that isn't rather adequate, early collectors can rebalance totally using new payments.
And of program, nobody ought to be buying loaded mutual funds, ever before. It's really also bad that IULs do not work.
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