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If you're going to use a small-cap index like the Russell 2000, you could desire to stop briefly and consider why a good index fund firm, like Vanguard, does not have any type of funds that follow it. The factor is due to the fact that it's a poor index.

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I have not even dealt with the straw male below yet, which is the fact that it is relatively unusual that you really need to pay either taxes or substantial commissions to rebalance anyhow. I never ever have. A lot of intelligent capitalists rebalance as high as possible in their tax-protected accounts. If that isn't fairly sufficient, early collectors can rebalance simply making use of new contributions.

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And of course, nobody must be purchasing packed common funds, ever before. It's truly too poor that IULs do not function.