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If you're going to use a small-cap index like the Russell 2000, you might wish to stop briefly and think about why an excellent index fund company, like Lead, does not have any kind of funds that follow it. The reason is because it's a poor index.

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I have not also attended to the straw male here yet, and that is the fact that it is relatively rare that you really have to pay either tax obligations or substantial compensations to rebalance anyway. Many smart investors rebalance as much as feasible in their tax-protected accounts.

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Decumulators can do it by withdrawing from asset classes that have actually succeeded. And certainly, nobody needs to be buying packed shared funds, ever. Well, I wish messages like these aid you to see through the sales methods frequently used by "financial professionals." It's really regrettable that IULs do not work.