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If you're going to utilize a small-cap index like the Russell 2000, you could wish to pause and think about why a good index fund business, like Vanguard, does not have any funds that follow it. The reason is because it's a lousy index.
I have not even attended to the straw man here yet, which is the truth that it is relatively uncommon that you in fact need to pay either tax obligations or significant commissions to rebalance anyhow. I never have. The majority of intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't fairly enough, early accumulators can rebalance totally utilizing brand-new contributions.
And of course, nobody should be acquiring packed common funds, ever before. It's really too poor that IULs do not function.
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