All investors who have started investing in last two-three years, sitting on massive gains,
they're scared of the market going down, should consider multi-asset funds simply because they get you a very meaningful diversification Though, two-thirds of your money is invested in equity, one-third, which is into fixed income,
or REITs or gold or silver, provides phenomenal stability to your portfolio The other advantage is that this one-third money,
which is not invested in equity will also yield returns which will be treated as concessional equity In equity, the capital gains are taxed at 12.5% And if you have these things independently,
it will be taxed at your marginal rate which could be far higher This is a very desirable diversification because you will not be prepared for the big decline,
and all new investors will not be ready for that big decline as and when it comes