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If you're going to utilize a small-cap index like the Russell 2000, you might want to pause and think about why an excellent index fund company, like Lead, doesn't have any type of funds that follow it. The reason is because it's a poor index.
I haven't also dealt with the straw guy below yet, and that is the fact that it is reasonably unusual that you actually have to pay either taxes or substantial payments to rebalance anyhow. A lot of smart investors rebalance as much as possible in their tax-protected accounts.
And of course, no one ought to be acquiring loaded common funds, ever. It's truly as well negative that IULs don't work.
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