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If you're going to utilize a small-cap index like the Russell 2000, you might wish to pause and take into consideration why a good index fund company, like Lead, doesn't have any kind of funds that follow it. The factor is due to the fact that it's a poor index.
I have not even dealt with the straw guy here yet, and that is the reality that it is reasonably unusual that you really have to pay either taxes or substantial commissions to rebalance anyhow. I never have. The majority of intelligent financiers rebalance as high as feasible in their tax-protected accounts. If that isn't fairly adequate, early accumulators can rebalance simply making use of brand-new payments.
And of course, nobody must be buying loaded common funds, ever. It's actually also poor that IULs don't work.
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