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If you're going to use a small-cap index like the Russell 2000, you may want to stop and take into consideration why a great index fund firm, like Lead, does not have any kind of funds that follow it. The reason is because it's a lousy index.
I have not also attended to the straw male here yet, and that is the truth that it is relatively uncommon that you actually need to pay either tax obligations or significant payments to rebalance anyway. I never ever have. Many intelligent capitalists rebalance as long as possible in their tax-protected accounts. If that isn't quite sufficient, early accumulators can rebalance purely utilizing new contributions.
And of training course, nobody should be buying packed mutual funds, ever before. It's actually as well bad that IULs don't work.
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