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If you're going to utilize a small-cap index like the Russell 2000, you might wish to pause and think about why an excellent index fund company, like Vanguard, does not have any funds that follow it. The factor is since it's a poor index.
I haven't also attended to the straw man below yet, and that is the reality that it is relatively unusual that you actually have to pay either taxes 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 sufficient, very early accumulators can rebalance purely utilizing brand-new contributions.
And of program, nobody needs to be purchasing packed mutual funds, ever before. It's really also poor that IULs do not function.
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