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If you're going to make use of a small-cap index like the Russell 2000, you may desire to stop briefly and consider why a good index fund firm, like Vanguard, doesn't have any funds that follow it. The reason is since it's a poor index.
I have not also addressed the straw male below yet, and that is the truth that it is fairly rare that you in fact have to pay either tax obligations or considerable compensations to rebalance anyhow. Many smart capitalists rebalance as much as possible in their tax-protected accounts.
And of course, nobody ought to be acquiring crammed mutual funds, ever before. It's truly also negative that IULs do not work.
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