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If you're going to make use of a small-cap index like the Russell 2000, you may desire to pause and take into consideration why an excellent index fund firm, like Vanguard, doesn't have any type of funds that follow it. The reason is because it's a lousy index.
I haven't even attended to the straw man below yet, and that is the fact that it is reasonably rare that you actually have to pay either tax obligations or substantial commissions to rebalance anyway. Many smart investors rebalance as much as feasible in their tax-protected accounts.
And of training course, no one needs to be buying loaded common funds, ever before. It's really too poor that IULs don't function.
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