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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and consider why a good index fund business, like Vanguard, doesn't have any funds that follow it. The reason is since it's a lousy index.
I haven't even resolved the straw male below yet, which is the truth that it is reasonably unusual that you in fact need to pay either tax obligations or substantial commissions to rebalance anyway. I never have. Most smart investors rebalance as long as possible in their tax-protected accounts. If that isn't fairly adequate, early accumulators can rebalance totally making use of new contributions.
Decumulators can do it by withdrawing from property classes that have actually done well. And of program, no one ought to be purchasing crammed common funds, ever before. Well, I hope blog posts like these help you to translucent the sales tactics usually made use of by "economic experts." It's truly regrettable that IULs don't work.
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