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If you're going to use a small-cap index like the Russell 2000, you could want to stop briefly and take into consideration why a good index fund company, like Lead, does not have any type of funds that follow it. The reason is because it's a poor index.

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I have not even addressed the straw man below yet, and that is the reality that it is relatively unusual that you in fact have to pay either tax obligations or substantial compensations to rebalance anyhow. A lot of intelligent financiers rebalance as much as feasible in their tax-protected accounts.

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And of course, nobody must be purchasing loaded mutual funds, ever before. It's really also negative that IULs do not function.