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If you're going to utilize a small-cap index like the Russell 2000, you may wish to stop and take into consideration why a great index fund company, like Vanguard, does not have any funds that follow it. The reason is because it's a poor index.
I haven't also dealt with the straw male here yet, and that is the truth that it is reasonably uncommon that you actually have to pay either taxes or significant payments to rebalance anyhow. The majority of smart capitalists rebalance as much as feasible in their tax-protected accounts.
And of course, nobody needs to be getting loaded common funds, ever. It's really as well poor that IULs don't work.
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