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If you're going to use a small-cap index like the Russell 2000, you might wish to stop and think about why a great index fund company, like Vanguard, does not have any type of funds that follow it. The reason is because it's a poor index.
I have not also dealt with the straw male here yet, and that is the reality that it is fairly rare that you actually have to pay either taxes or substantial payments to rebalance anyway. I never have. Many smart financiers rebalance as long as feasible in their tax-protected accounts. If that isn't fairly enough, early accumulators can rebalance totally making use of brand-new contributions.
Decumulators can do it by taking out from possession classes that have actually succeeded. And obviously, no one ought to be purchasing loaded common funds, ever. Well, I wish messages like these help you to see via the sales techniques commonly used by "economic specialists." It's really too negative that IULs don't function.
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