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If you're going to make use of a small-cap index like the Russell 2000, you might desire to stop and consider why a great index fund business, like Lead, does not have any kind of funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even dealt with the straw guy here yet, and that is the fact that it is reasonably unusual that you actually have to pay either taxes or significant payments to rebalance anyway. I never ever have. The majority of intelligent financiers rebalance as long as feasible in their tax-protected accounts. If that isn't fairly sufficient, very early accumulators can rebalance simply utilizing new payments.
Decumulators can do it by taking out from possession classes that have succeeded. And of course, no one needs to be acquiring loaded shared funds, ever before. Well, I hope articles like these aid you to see through the sales methods often utilized by "economic experts." It's really too negative that IULs don't work.
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