Assertion (A): Investment helps in saving for a family. Reason (R): Surplus funds have assured returns.

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KollegeApply · Accepted Answer

A is true but R is false. Explanation: Investment does help a family convert surplus income into savings and future financial goals by placing funds in productive instruments. However, returns are not automatically assured, they depend on the type of instrument and its risk; only some products (e.g., certain post‑office or government‑backed schemes) offer guaranteed returns.

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