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If you're going to use a small-cap index like the Russell 2000, you could want to pause and think about why a great index fund firm, like Lead, does not have any kind of funds that follow it. The factor is due to the fact that it's a poor index.

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I have not also attended to the straw male here yet, and that is the reality that it is relatively rare that you actually have to pay either tax obligations or significant commissions to rebalance anyway. Many smart capitalists rebalance as much as feasible in their tax-protected accounts.

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And of course, nobody ought to be purchasing crammed common funds, ever before. It's really too bad that IULs don't function.