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If you're going to use a small-cap index like the Russell 2000, you may desire to pause and consider why an excellent index fund company, like Lead, doesn't have any funds that follow it. The reason is because it's a poor index.

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I haven't also dealt with the straw male right here yet, and that is the truth that it is fairly unusual that you in fact have to pay either taxes or considerable compensations to rebalance anyhow. A lot of intelligent investors rebalance as much as possible in their tax-protected accounts.

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And of course, nobody must be getting packed shared funds, ever. It's actually also poor that IULs do not function.