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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 good index fund company, like Vanguard, doesn't have any kind of funds that follow it. The reason is due to the fact that it's a poor index.
I have not also resolved the straw man here yet, and that is the reality that it is reasonably rare that you actually need to pay either tax obligations or significant compensations to rebalance anyhow. I never have. Many smart investors rebalance as much as possible in their tax-protected accounts. If that isn't quite sufficient, very early accumulators can rebalance simply utilizing brand-new payments.
And of course, nobody must be getting crammed shared funds, ever. It's really as well poor that IULs don't function.
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