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If you're going to utilize a small-cap index like the Russell 2000, you could want to pause and think about why a great index fund firm, like Vanguard, doesn't have any type of funds that follow it. The reason is since it's a lousy index.
I have not also dealt with the straw man here yet, and that is the truth that it is relatively rare that you really have to pay either taxes or significant commissions to rebalance anyhow. I never ever have. The majority of intelligent financiers rebalance as long as possible in their tax-protected accounts. If that isn't quite adequate, early accumulators can rebalance purely using new contributions.
And of course, nobody must be acquiring crammed common funds, ever before. It's actually also negative that IULs don't function.
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