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If you're going to make use of a small-cap index like the Russell 2000, you may desire to stop briefly and consider why a good index fund company, like Vanguard, doesn't have any funds that follow it. The factor is since it's a lousy index. As well as that transforming your entire policy from one index to another is barely what I would certainly call "rebalancing - what is the difference between universal and whole life insurance." Money value life insurance policy isn't an attractive possession course.
I haven't also attended to the straw guy below yet, and that is the fact that it is reasonably unusual that you actually have to pay either taxes or substantial compensations to rebalance anyhow. Many intelligent investors rebalance as much as possible in their tax-protected accounts.
And of program, nobody should be purchasing packed shared funds, ever before. It's truly as well poor that IULs do not work.
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