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If you're going to make use of a small-cap index like the Russell 2000, you may want to pause and think about why a good index fund company, like Vanguard, doesn't have any funds that follow it. The factor is since it's a lousy index.

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I have not also attended to the straw male here yet, and that is the fact that it is fairly unusual that you actually have to pay either taxes or significant compensations to rebalance anyhow. Most smart investors rebalance as much as possible in their tax-protected accounts.

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And of course, nobody needs to be getting loaded mutual funds, ever before. It's really also poor that IULs do not function.