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If you're going to utilize a small-cap index like the Russell 2000, you might wish to pause and think about why a great index fund company, like Lead, does not have any kind of funds that follow it. The reason is since it's a lousy index.
I have not even dealt with the straw guy below yet, and that is the fact that it is reasonably uncommon that you really have to pay either taxes or considerable payments to rebalance anyway. A lot of smart financiers rebalance as much as possible in their tax-protected accounts.
And of training course, nobody must be buying loaded common funds, ever. It's actually also poor that IULs do not work.
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