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If you're going to make use of a small-cap index like the Russell 2000, you could want to stop briefly and consider why a good index fund business, like Vanguard, does not have any funds that follow it. The factor is since it's a lousy index.

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I have not also dealt with the straw man right here yet, and that is the reality that it is reasonably uncommon that you really have to pay either tax obligations or substantial payments to rebalance anyhow. Most intelligent financiers rebalance as much as possible in their tax-protected accounts.

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And of course, no one should be purchasing crammed mutual funds, ever. It's actually also bad that IULs don't work.