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If you're going to utilize a small-cap index like the Russell 2000, you might wish to stop briefly and think about why an excellent index fund firm, like Vanguard, doesn't have any funds that follow it. The reason is because it's a lousy index.
I have not also attended to the straw male below yet, and that is the fact that it is fairly rare that you really have to pay either taxes or significant payments to rebalance anyhow. The majority of smart investors rebalance as much as feasible in their tax-protected accounts.
And of program, nobody needs to be purchasing crammed shared funds, ever. It's truly as well negative that IULs don't function.
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