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If you're going to use a small-cap index like the Russell 2000, you might want to pause and think about why a good index fund company, like Vanguard, does not have any funds that follow it. The reason is due to the fact that it's a lousy index.
I have not also attended to the straw man right here yet, and that is the fact that it is relatively rare that you really need to pay either taxes or substantial commissions to rebalance anyway. I never ever have. The majority of intelligent financiers rebalance as much as possible in their tax-protected accounts. If that isn't fairly enough, very early accumulators can rebalance simply using new contributions.
Decumulators can do it by taking out from property courses that have done well. And obviously, no one ought to be purchasing loaded mutual funds, ever. Well, I really hope messages like these help you to translucent the sales methods frequently used by "economic specialists." It's truly regrettable that IULs do not function.
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