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If you're going to make use of a small-cap index like the Russell 2000, you could want to pause and take into consideration why a good index fund business, 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 have not also addressed the straw guy below yet, which is the truth that it is reasonably uncommon that you really have to pay either tax obligations or significant commissions to rebalance anyhow. I never ever have. A lot of smart capitalists rebalance as high as possible in their tax-protected accounts. If that isn't rather sufficient, early accumulators can rebalance simply using new contributions.

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And of program, nobody needs to be getting packed mutual funds, ever before. It's actually as well bad that IULs don't function.