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If you're going to use a small-cap index like the Russell 2000, you might want to stop and take into consideration why an excellent index fund firm, like Lead, does not have any type of funds that follow it. The reason is since it's a poor index. Not to discuss that altering your whole policy from one index to an additional is hardly what I would certainly call "rebalancing - universal life insurance tax benefits." Money value life insurance coverage isn't an attractive possession course.
I have not even addressed the straw man here yet, and that is the fact that it is relatively uncommon that you really have to pay either tax obligations or significant payments to rebalance anyway. A lot of smart financiers rebalance as much as possible in their tax-protected accounts.
And of course, nobody ought to be acquiring crammed mutual funds, ever. It's really also bad that IULs do not function.
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