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If you're going to make use of a small-cap index like the Russell 2000, you might desire to stop and consider why a great index fund company, like Vanguard, does not have any kind of funds that follow it. The factor is due to the fact that it's a poor index.
I have not also attended to the straw guy below yet, and that is the reality that it is reasonably rare that you really have to pay either taxes or substantial compensations to rebalance anyhow. Many intelligent investors rebalance as much as possible in their tax-protected accounts.
And of course, no one ought to be getting packed shared funds, ever before. It's really too bad that IULs don't work.
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