Speculative investment rules classify market-linked and unrelated high-return schemes while excluding debt-based secure investments from restriction.

Speculative activities include investments exposed to market-driven appreciation or depreciation, including mutual funds and shares, and high-return schemes involving chits, land, or similar assets unrelated to an association's declared aims and objectives. Debt-based secure investments are excluded. Every association must maintain a separate register of investments and submit it for audit.

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