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If you're going to make use of a small-cap index like the Russell 2000, you might wish to stop and consider why a great index fund company, like Vanguard, doesn't have any type of funds that follow it. The reason is due to the fact that it's a poor index.
I have not even resolved the straw male right here yet, which is the reality that it is fairly unusual that you really have to pay either taxes or significant commissions to rebalance anyhow. I never ever have. Most intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't rather enough, early accumulators can rebalance simply utilizing brand-new payments.
And of course, no one needs to be acquiring crammed common funds, ever before. It's really too poor that IULs don't work.
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