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If you're going to use a small-cap index like the Russell 2000, you might want to pause and consider why a great index fund company, like Vanguard, doesn't have any funds that follow it. The reason is because it's a poor index.

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I have not even attended to the straw guy here yet, and that is the truth that it is relatively uncommon that you in fact have to pay either taxes or significant compensations to rebalance anyway. A lot of smart investors rebalance as much as feasible in their tax-protected accounts.

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Decumulators can do it by taking out from property courses that have done well. And certainly, nobody should be getting loaded shared funds, ever. Well, I hope articles like these help you to see with the sales techniques usually used by "financial professionals." It's truly regrettable that IULs do not work.