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If you're going to make use of a small-cap index like the Russell 2000, you may wish to pause and think about why a good index fund company, like Vanguard, does not have any funds that follow it. The factor is because it's a poor index.

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I have not also dealt with the straw male below yet, and that is the fact that it is fairly rare that you actually have to pay either taxes or substantial commissions to rebalance anyhow. The majority of smart financiers rebalance as much as feasible in their tax-protected accounts.

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And of training course, no one must be buying crammed mutual funds, ever before. It's truly too negative that IULs don't work.