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If you're going to use a small-cap index like the Russell 2000, you may desire to stop briefly and think about why a good index fund company, like Vanguard, does not have any funds that follow it. The reason is because it's a poor index.
I have not even dealt with the straw male here yet, which is the reality that it is reasonably unusual that you really have to pay either taxes or substantial commissions to rebalance anyway. I never ever have. Many intelligent financiers rebalance as high as possible in their tax-protected accounts. If that isn't quite enough, early collectors can rebalance purely utilizing new contributions.
Decumulators can do it by taking out from asset classes that have done well. And of course, nobody must be buying loaded common funds, ever before. Well, I really hope blog posts like these help you to see through the sales tactics frequently used by "monetary professionals." It's actually regrettable that IULs do not work.
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