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Correct Option is Returns are only subjected to market risks.

Solution:Refer to the second paragraph of the given passage, ‘’… The fine print in MF schemes do reiterate that returns are subject to market risks, and further that the past record cannot be a pointer to future performance.…’’ Referring to the quoted text, we can infer that statement (c) is incorrect as returns are subjected to market risks but it is nowhere mentioned that returns are ONLY subjected to market risks. Hence, option (b) is the most suitable answer choice.

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