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If you're going to use a small-cap index like the Russell 2000, you may want to pause and take into consideration why an excellent index fund firm, like Vanguard, does not have any funds that follow it. The factor is due to the fact that it's a lousy index.
I haven't even attended to the straw male here yet, and that is the reality that it is fairly uncommon that you really have to pay either taxes or substantial commissions to rebalance anyhow. Most smart capitalists rebalance as much as feasible in their tax-protected accounts.
Decumulators can do it by taking out from property classes that have done well. And naturally, nobody must be acquiring packed shared funds, ever before. Well, I hope posts like these help you to see through the sales methods usually utilized by "financial specialists." It's really regrettable that IULs don't work.
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