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If you're going to utilize a small-cap index like the Russell 2000, you might desire to stop briefly and consider why a good index fund company, like Vanguard, does not have any funds that follow it. The reason is due to the fact that it's a lousy index.
I have not even resolved the straw man here yet, and that is the fact that it is fairly uncommon that you in fact need to pay either tax obligations or substantial commissions to rebalance anyway. I never have. The majority of smart investors rebalance as much as feasible in their tax-protected accounts. If that isn't rather adequate, early accumulators can rebalance purely making use of new contributions.
And of training course, nobody needs to be getting crammed common funds, ever before. It's really as well bad that IULs do not function.
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