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If you're going to make use of a small-cap index like the Russell 2000, you could want to pause and consider why an excellent index fund firm, like Vanguard, doesn't have any funds that follow it. The reason is due to the fact that it's a poor index.
I have not also dealt with the straw man here yet, and that is the fact that it is relatively uncommon that you actually have to pay either tax obligations or substantial commissions to rebalance anyhow. Most intelligent investors rebalance as much as feasible in their tax-protected accounts.
Decumulators can do it by taking out from asset courses that have done well. And certainly, nobody should be getting packed common funds, ever. Well, I really hope posts like these aid you to see through the sales techniques commonly made use of by "economic experts." It's truly also negative that IULs don't function.
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