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If you're going to use a small-cap index like the Russell 2000, you could desire to stop briefly and think about why a great index fund business, like Lead, doesn't have any kind of funds that follow it. The reason is since it's a lousy index.
I have not also attended to the straw man right here yet, and that is the truth that it is fairly unusual that you actually have to pay either tax obligations or considerable payments to rebalance anyway. I never have. A lot of intelligent financiers rebalance as long as feasible in their tax-protected accounts. If that isn't rather adequate, early collectors can rebalance simply using new payments.
And of program, nobody must be getting crammed common funds, ever. It's really as well bad that IULs do not work.
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