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If you're going to use a small-cap index like the Russell 2000, you could wish to pause and consider why an excellent index fund company, like Vanguard, doesn't have any type of funds that follow it. The reason is because it's a lousy index. And also that altering your entire plan from one index to one more is hardly what I would call "rebalancing - universal life insurance with living benefits." Cash money value life insurance policy isn't an attractive asset class.

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I have not also resolved the straw man here yet, and that is the fact that it is relatively rare that you in fact have to pay either taxes or significant payments to rebalance anyhow. I never ever have. The majority of smart investors rebalance as high as possible in their tax-protected accounts. If that isn't rather adequate, very early collectors can rebalance purely using new payments.

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And of program, no one ought to be buying packed mutual funds, ever. It's actually also negative that IULs do not function.