This is Motilal Oswal multi-asset fund which is managing Equity with Fixed income Debt funds with International equity with Gold ETF in a single fund. Four in one approach they are carrying looking into the Volatility in the market and asset classes. Taxation is of Debt. So indexation is applicable. In the three year term, zero negative return is a USP of this fund. an investor can think on this fund those who are not rebalancing their portfolio periodically and need reasonable better returns than fixed income.