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If you're going to use a small-cap index like the Russell 2000, you could wish to stop and take into consideration why a good index fund business, like Lead, does not have any type of funds that follow it. The factor is because it's a poor index.
I haven't also dealt with the straw guy right here yet, and that is the fact that it is reasonably unusual that you actually have to pay either taxes or significant commissions to rebalance anyhow. I never ever have. A lot of smart financiers rebalance as long as possible in their tax-protected accounts. If that isn't fairly adequate, very early accumulators can rebalance simply making use of new contributions.
And of program, nobody must be purchasing packed common funds, ever. It's actually too bad that IULs do not work.
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