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If you're going to utilize a small-cap index like the Russell 2000, you could wish to stop briefly and take into consideration why a great index fund company, like Vanguard, does not have any funds that follow it. The factor is since it's a poor index.
I haven't also attended to the straw guy below yet, and that is the truth that it is reasonably rare that you actually have to pay either taxes or considerable compensations to rebalance anyway. The majority of intelligent investors rebalance as much as feasible in their tax-protected accounts.
And of program, no one needs to be getting crammed mutual funds, ever before. It's actually also negative that IULs do not work.
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