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If you're going to use a small-cap index like the Russell 2000, you could desire to pause and consider why a good index fund company, like Vanguard, does not have any funds that follow it. The reason is since it's a poor index.

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I haven't also dealt with the straw guy here yet, and that is the fact that it is relatively uncommon that you really have to pay either tax obligations or substantial compensations to rebalance anyhow. Many intelligent investors rebalance as much as possible in their tax-protected accounts.

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And of training course, nobody should be acquiring crammed shared funds, ever before. It's truly also poor that IULs don't work.

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