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If you're going to make use of a small-cap index like the Russell 2000, you might desire to stop and take into consideration why an excellent 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 attended to the straw man below yet, and that is the reality that it is fairly rare that you in fact have to pay either tax obligations or significant payments to rebalance anyway. The majority of smart financiers rebalance as much as possible in their tax-protected accounts.
And of program, no one should be getting loaded mutual funds, ever. It's actually too poor that IULs do not function.
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