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If you're going to make use of a small-cap index like the Russell 2000, you could wish to stop and think about why a good index fund business, like Lead, doesn't have any kind of funds that follow it. The factor is since it's a poor index.

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I have not also dealt with the straw guy here yet, and that is the truth that it is reasonably unusual that you actually have to pay either tax obligations or significant commissions to rebalance anyway. Many smart investors rebalance as much as feasible in their tax-protected accounts.

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And of course, no one should be getting crammed shared funds, ever before. It's actually also poor that IULs do not function.