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If you're going to utilize a small-cap index like the Russell 2000, you could want to stop briefly and take into consideration why an excellent index fund company, like Vanguard, doesn't have any kind of funds that follow it. The reason is since it's a lousy index. Not to mention that changing your entire plan from one index to another is hardly what I would call "rebalancing - which is better whole life or universal life." Cash value life insurance policy isn't an eye-catching asset class.
I have not even dealt with the straw male right here yet, and that is the truth that it is relatively rare that you in fact have to pay either tax obligations or significant payments to rebalance anyway. Many intelligent investors rebalance as much as possible in their tax-protected accounts.
And of course, no one must be getting packed mutual funds, ever. It's really too bad that IULs don't work.
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