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If you're going to use a small-cap index like the Russell 2000, you could desire to stop briefly and take into consideration why an excellent index fund firm, like Vanguard, doesn't have any funds that follow it. The factor is due to the fact that it's a lousy index.

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I haven't even resolved the straw male here yet, and that is the reality that it is fairly rare that you actually have to pay either tax obligations or considerable commissions to rebalance anyhow. I never have. A lot of smart capitalists rebalance as much as feasible in their tax-protected accounts. If that isn't quite sufficient, very early accumulators can rebalance purely utilizing new payments.

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And of course, no one needs to be buying crammed common funds, ever. It's truly too poor that IULs do not work.