This fund is for investors who wish to tread cautiously and are content with inflation beating gains and tax efficiency. The funds selected for them have passed this test with performance history that spans both the down and up cycle of the stock markets. Do not expect these funds to perform erratically, as these have several years of history that have indicated their sturdy performance during both market lows and highs. Returns from these funds will be less volatile, which should be the draw when investing in them. Do not feel let down if these funds don’t post very high returns during a bull run.