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If you're going to utilize a small-cap index like the Russell 2000, you could desire to pause and think about why a great index fund business, like Vanguard, doesn't have any funds that follow it. The factor is due to the fact that it's a poor index.
I haven't even addressed the straw guy here yet, which is the truth that it is relatively rare that you in fact have to pay either taxes or significant commissions to rebalance anyhow. I never have. Most intelligent capitalists rebalance as long as possible in their tax-protected accounts. If that isn't quite adequate, early accumulators can rebalance simply using brand-new payments.
And of program, nobody must be purchasing packed common funds, ever before. It's actually as well negative that IULs do not work.
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