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If you're going to use a small-cap index like the Russell 2000, you may desire to stop briefly and consider why an excellent index fund business, like Lead, doesn't have any type of funds that follow it. The reason is due to the fact that it's a poor index. In addition to that changing your entire plan from one index to another is rarely what I would certainly call "rebalancing - universal life death benefit options." Money value life insurance policy isn't an appealing property class.
I haven't even attended to the straw male below yet, and that is the fact that it is relatively unusual that you really have to pay either taxes or substantial commissions to rebalance anyhow. Many intelligent investors rebalance as much as possible in their tax-protected accounts.
And of course, no one ought to be getting crammed shared funds, ever before. It's truly too negative that IULs do not work.
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