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If you're going to use a small-cap index like the Russell 2000, you may wish to pause and consider why an excellent index fund firm, like Vanguard, doesn't have any funds that follow it. The reason is because it's a poor index.
I have not even resolved the straw man below yet, which is the fact that it is reasonably unusual that you really have to pay either tax obligations or considerable payments to rebalance anyway. I never have. Many intelligent investors rebalance as long as feasible in their tax-protected accounts. If that isn't fairly enough, very early accumulators can rebalance totally using brand-new payments.
And of training course, no one should be purchasing packed shared funds, ever before. It's actually as well negative that IULs do not function.
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