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If you're going to use a small-cap index like the Russell 2000, you might want to stop briefly and consider why an excellent index fund firm, like Vanguard, does not have any type of funds that follow it. The reason is because it's a lousy index.
I have not also dealt with the straw man here yet, and that is the reality that it is fairly unusual that you actually have to pay either taxes or substantial payments to rebalance anyway. Most intelligent investors rebalance as much as feasible in their tax-protected accounts.
And of course, nobody needs to be getting crammed common funds, ever before. It's actually also bad that IULs do not work.
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