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If you're going to use a small-cap index like the Russell 2000, you could desire to stop briefly and consider why a good index fund firm, like Lead, doesn't have any funds that follow it. The factor is due to the fact that it's a poor index.
I haven't also dealt with the straw male right here yet, which is the truth that it is fairly rare that you actually need to pay either taxes or significant compensations to rebalance anyway. I never ever have. A lot of intelligent investors rebalance as long as possible in their tax-protected accounts. If that isn't fairly sufficient, very early collectors can rebalance purely utilizing new contributions.
And of program, nobody should be acquiring loaded shared funds, ever before. It's really too poor that IULs do not work.
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