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If you're going to use a small-cap index like the Russell 2000, you might wish to pause and consider why a great index fund company, like Lead, doesn't have any kind of funds that follow it. The factor is since it's a poor index.
I have not also resolved the straw man here yet, which is the truth that it is fairly rare that you in fact need to pay either tax obligations or considerable payments to rebalance anyhow. I never ever have. A lot of smart investors rebalance as much as feasible in their tax-protected accounts. If that isn't fairly adequate, early collectors can rebalance totally using new payments.
Decumulators can do it by taking out from possession classes that have actually succeeded. And certainly, nobody must be buying packed shared funds, ever. Well, I really hope articles like these help you to see through the sales methods frequently made use of by "monetary experts." It's really regrettable that IULs don't work.
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