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If you're going to use a small-cap index like the Russell 2000, you may desire to pause and think about why an excellent index fund company, like Lead, does not have any kind of funds that follow it. The reason is since it's a poor index.
I have not also dealt with the straw guy below yet, and that is the fact that it is relatively rare that you actually have to pay either taxes or considerable commissions to rebalance anyway. The majority of intelligent financiers rebalance as much as feasible in their tax-protected accounts.
And of training course, no one needs to be purchasing packed common funds, ever before. It's really also poor that IULs do not work.
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