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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 briefly and consider why a good index fund firm, like Lead, does not have any funds that follow it. The reason is because it's a lousy index.
I have not also resolved the straw guy here yet, and that is the fact that it is fairly uncommon that you really need to pay either taxes or significant commissions to rebalance anyway. I never ever have. A lot of smart financiers rebalance as long as feasible in their tax-protected accounts. If that isn't rather sufficient, early collectors can rebalance totally making use of new contributions.
Decumulators can do it by taking out from property classes that have actually done well. And certainly, no one should be purchasing loaded common funds, ever. Well, I hope posts like these aid you to translucent the sales tactics frequently used by "financial specialists." It's actually regrettable that IULs do not work.
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