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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 think about why a good index fund firm, like Lead, doesn't have any funds that follow it. The reason is since it's a poor index.
I haven't even resolved the straw man below yet, and that is the fact that it is fairly uncommon that you really need to pay either tax obligations or significant payments to rebalance anyhow. I never ever have. The majority of smart capitalists rebalance as long as possible in their tax-protected accounts. If that isn't rather sufficient, early accumulators can rebalance simply making use of new contributions.
And of course, no one needs to be getting loaded common funds, ever. It's actually too bad that IULs don't function.
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