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If you're going to utilize a small-cap index like the Russell 2000, you could wish to stop briefly and think about why a great index fund business, like Lead, doesn't have any funds that follow it. The factor is because it's a poor index.

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I have not also attended to the straw man right here yet, and that is the truth that it is reasonably rare that you in fact have to pay either taxes or substantial payments to rebalance anyway. A lot of smart capitalists rebalance as much as possible in their tax-protected accounts.

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And of course, nobody ought to be getting packed shared funds, ever. It's really too negative that IULs don't function.