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If you're going to make use of a small-cap index like the Russell 2000, you might desire to stop and consider why an excellent index fund business, like Vanguard, does not have any kind of funds that follow it. The factor is since it's a poor index.
I haven't even resolved the straw guy here yet, and that is the truth that it is reasonably rare that you in fact need to pay either taxes or substantial compensations to rebalance anyhow. I never have. Many smart financiers rebalance as long as possible in their tax-protected accounts. If that isn't quite adequate, very early collectors can rebalance simply using brand-new contributions.
And of program, no one should be buying crammed shared funds, ever. It's really as well negative that IULs do not work.
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