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If you're going to make use of a small-cap index like the Russell 2000, you may want to pause and consider why an excellent index fund business, like Lead, doesn't have any kind of funds that follow it. The reason is because it's a lousy index.
I haven't even attended to the straw male below yet, and that is the fact that it is fairly unusual that you in fact need to pay either taxes or considerable commissions to rebalance anyway. I never ever have. The majority of smart financiers rebalance as much as feasible in their tax-protected accounts. If that isn't quite enough, early accumulators can rebalance totally making use of brand-new contributions.
And of course, nobody needs to be purchasing packed common funds, ever before. It's really too negative that IULs don't function.
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