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If you're going to use a small-cap index like the Russell 2000, you may wish to stop briefly and take into consideration why a great 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 also resolved the straw guy here yet, and that is the reality that it is relatively uncommon that you in fact have to pay either taxes or significant payments to rebalance anyhow. The majority of smart investors rebalance as much as possible in their tax-protected accounts.
Decumulators can do it by taking out from possession classes that have succeeded. And certainly, nobody should be getting packed shared funds, ever. Well, I really hope blog posts like these assistance you to see via the sales strategies typically used by "monetary experts." It's truly regrettable that IULs do not function.
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