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If you're going to use a small-cap index like the Russell 2000, you may wish to stop and consider why a good index fund business, like Vanguard, does not have any kind of funds that follow it. The reason is due to the fact that it's a poor index.
I haven't even resolved the straw guy here yet, and that is the fact that it is relatively unusual that you really have to pay either tax obligations or substantial payments to rebalance anyway. Many intelligent capitalists rebalance as much as feasible in their tax-protected accounts.
And of training course, nobody needs to be buying crammed mutual funds, ever before. It's actually as well negative that IULs do not function.
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