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If you're going to use a small-cap index like the Russell 2000, you might wish to stop briefly and think about why a good index fund firm, like Lead, does not have any funds that follow it. The reason is because it's a lousy index.

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I haven't also addressed the straw male below yet, and that is the truth that it is fairly uncommon that you really have to pay either tax obligations or substantial payments to rebalance anyhow. A lot of smart investors rebalance as much as possible in their tax-protected accounts.

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And of training course, no one must be acquiring packed shared funds, ever before. It's truly as well poor that IULs do not function.