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If you're going to utilize a small-cap index like the Russell 2000, you may wish to pause and think about why an excellent index fund business, like Lead, does not have any type of funds that follow it. The factor is due to the fact that it's a poor index.
I have not even resolved the straw man below yet, and that is the truth that it is fairly uncommon that you really have to pay either taxes or significant payments to rebalance anyhow. I never have. Most intelligent investors rebalance as much as feasible in their tax-protected accounts. If that isn't rather adequate, very early accumulators can rebalance simply using new payments.
And of program, no one must be getting packed common funds, ever. It's actually as well poor that IULs do not function.
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