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If you're going to make use of a small-cap index like the Russell 2000, you could wish to stop briefly and think about why an excellent index fund firm, like Vanguard, does not have any funds that follow it. The reason is since it's a poor index.
I haven't also addressed the straw guy below yet, which is the truth that it is reasonably unusual that you really have to pay either tax obligations or considerable compensations to rebalance anyway. I never ever have. Many intelligent investors rebalance as long as possible in their tax-protected accounts. If that isn't fairly sufficient, very early collectors can rebalance simply using new payments.
And of course, nobody must be getting loaded shared funds, ever. It's actually as well bad that IULs do not function.
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