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If you're going to utilize a small-cap index like the Russell 2000, you might wish to stop and consider why a great index fund company, like Vanguard, does not have any funds that follow it. The reason is because it's a lousy index.
I haven't also attended to the straw male below yet, and that is the fact that it is reasonably unusual that you in fact have to pay either tax obligations or significant payments to rebalance anyhow. Most smart investors rebalance as much as possible in their tax-protected accounts.
And of program, no one should be purchasing packed mutual funds, ever. It's actually as well poor that IULs don't function.
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