New Delhi [India], February 13: Imagine a beautifully laced and decorated large vintage umbrella that had been an heirloom you received from your grandparents. That is a large-cap fund for you-steady, sustainable, and dependable in giving long-term returns. Another umbrella which is sturdy but needs intermediate attention for repair and maintenance can be your mid-cap funds. But both are quite efficient in providing shade and protection when used at the right time in the right situation. But both can be used in congruence once you understand the utilities like Motilal Oswal Large & Midcap Fund.