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If you're going to utilize a small-cap index like the Russell 2000, you could want to stop and take into consideration why a good index fund company, like Vanguard, doesn't have any funds that follow it. The factor is because it's a poor index. Not to point out that altering your entire policy from one index to one more is barely what I would certainly call "rebalancing - using iul for retirement." Cash worth life insurance policy isn't an attractive asset class.
I haven't even dealt with the straw male here yet, and that is the truth that it is reasonably rare that you in fact have to pay either taxes or substantial payments to rebalance anyhow. Most intelligent capitalists rebalance as much as feasible in their tax-protected accounts.
Decumulators can do it by withdrawing from possession classes that have succeeded. And naturally, no one must be getting packed shared funds, ever before. Well, I hope blog posts like these aid you to translucent the sales methods typically made use of by "financial experts." It's actually regrettable that IULs do not function.
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