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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 think about why an excellent index fund company, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a poor index.

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I haven't also attended to the straw guy right here yet, and that is the fact that it is fairly rare that you really have to pay either taxes or considerable payments to rebalance anyhow. Most intelligent capitalists rebalance as much as possible in their tax-protected accounts.

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And of course, nobody needs to be purchasing loaded mutual funds, ever before. It's truly too bad that IULs don't function.