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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 and consider why an excellent index fund business, like Lead, does not have any kind of funds that follow it. The factor is because it's a poor index.
I haven't also attended to the straw man right here yet, and that is the fact that it is reasonably unusual that you really have to pay either taxes or substantial commissions to rebalance anyway. Most smart financiers rebalance as much as possible in their tax-protected accounts.
And of program, nobody needs to be getting loaded common funds, ever. It's truly too poor that IULs do not work.
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