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If you're going to make use of a small-cap index like the Russell 2000, you could wish to stop briefly and think about why an excellent index fund firm, like Vanguard, does not have any kind of funds that follow it. The reason is because it's a poor index.
I have not even attended to the straw guy below yet, and that is the fact that it is reasonably rare that you really have to pay either taxes or considerable commissions to rebalance anyhow. Many smart capitalists rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody needs to be acquiring loaded shared funds, ever. It's truly also negative that IULs don't function.
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