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If you're going to use a small-cap index like the Russell 2000, you may desire to stop briefly and consider why a good index fund business, like Vanguard, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.
I haven't also attended to the straw man here yet, and that is the reality that it is reasonably uncommon that you in fact have to pay either taxes or considerable compensations to rebalance anyhow. I never have. Most intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't fairly enough, very early accumulators can rebalance simply making use of brand-new contributions.
And of program, no one must be getting packed shared funds, ever. It's actually also negative that IULs do not work.
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