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If you're going to use a small-cap index like the Russell 2000, you could desire to stop and consider why a good index fund firm, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a poor index.

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I have not also dealt with the straw male right here yet, and that is the truth that it is reasonably rare that you really have to pay either taxes or substantial compensations to rebalance anyway. Most intelligent financiers rebalance as much as feasible in their tax-protected accounts.

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And of course, nobody needs to be buying packed shared funds, ever. It's truly also bad that IULs do not work.