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If you're going to make use of a small-cap index like the Russell 2000, you could wish to pause and consider why an excellent index fund business, like Vanguard, doesn't have any kind of funds that follow it. The factor is since it's a lousy index.

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I have not also addressed the straw guy below yet, and that is the truth that it is reasonably rare that you in fact have to pay either taxes or significant compensations to rebalance anyhow. Most smart investors rebalance as much as feasible in their tax-protected accounts.

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And of course, nobody should be getting crammed shared funds, ever before. It's truly also negative that IULs don't work.