@TradeB2B For even slightly savvy investors, it would be better to manage the multiple assets separately with fixed ratios rebalanced at fixed intervals, say:
- 15% debt
- 25% gold
- 30% each in large and midcaps
This way, the investor wouldn’t have to redeem a combined unit taking unnecessary losses when for example equities are down. 
They could just redeem their gold which has nil/negative correlation to equities.
In case of a market crash, where for a short period both could be correlated/down, they have the debt buffer to tide them over. 