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If you're going to make use of a small-cap index like the Russell 2000, you could want to stop and consider why a good index fund business, like Vanguard, doesn't have any funds that follow it. The reason is due to the fact that it's a poor index.
I haven't also dealt with the straw guy below yet, which is the fact that it is relatively unusual that you actually have to pay either tax obligations or considerable compensations to rebalance anyhow. I never ever have. The majority of intelligent capitalists rebalance as much as feasible in their tax-protected accounts. If that isn't rather sufficient, very early accumulators can rebalance totally making use of new contributions.
And of training course, no one must be buying crammed shared funds, ever before. It's really also bad that IULs don't work.
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