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If you're going to make use of a small-cap index like the Russell 2000, you could want to stop and take into consideration why a good index fund business, like Lead, doesn't have any type of funds that follow it. The factor is because it's a poor index.
I haven't even resolved the straw man here yet, and that is the reality that it is relatively uncommon that you really have to pay either taxes or considerable payments to rebalance anyway. Many smart investors rebalance as much as possible in their tax-protected accounts.
Decumulators can do it by withdrawing from property classes that have done well. And of program, nobody should be buying crammed mutual funds, ever. Well, I hope messages like these assistance you to translucent the sales tactics commonly used by "economic professionals." It's actually too bad that IULs do not work.
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