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If you're going to make use of a small-cap index like the Russell 2000, you may desire to pause and take into consideration why a good index fund business, like Lead, does not have any kind of funds that follow it. The reason is since it's a poor index.
I have not also resolved the straw guy right here yet, and that is the reality that it is relatively unusual that you really have to pay either tax obligations or significant payments to rebalance anyhow. I never have. A lot of intelligent capitalists rebalance as much as feasible in their tax-protected accounts. If that isn't rather adequate, early collectors can rebalance purely making use of new contributions.
And of course, no one ought to be acquiring crammed mutual funds, ever. It's actually also bad that IULs do not function.
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