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If you're going to make use of a small-cap index like the Russell 2000, you might want to stop briefly and take into consideration why a good index fund firm, like Lead, does not have any type of funds that follow it. The reason is because it's a poor index.
I haven't even dealt with the straw male right here yet, and that is the truth that it is reasonably uncommon that you in fact have to pay either tax obligations or substantial commissions to rebalance anyway. Most intelligent capitalists rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody should be purchasing crammed common funds, ever. It's actually also negative that IULs do not work.
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