Pss Suppandi Comic Booklet (English) April 2018

AN INVESTOR EDUCATION INITIATIVE BY TATA MUTUAL FUND
When it comes to simpletons,

Suppandi tops the list! His literal-mindedness
makes it hard for him to hold on to a job for
too long. But even Suppandi has grasped the
principles of investing, thanks to the brilliant
Professor Simply Simple. That’s how
AN INVESTOR EDUCATION INITIATIVE
simple investing can be!
Created by Amar Chitra Katha Pvt. Ltd.

for Tata Mutual Fund
AFL House, 7th Floor, Lok Bharati Complex,
Marol Maroshi Road, Andheri East, Mumbai- 400059
Tel.: +91-22 49188881/2 | www.amarchitrakatha.com
Suppandi is a proprietary character of Amar Chitra Katha Pvt. Ltd. All rights reserved.
Amar Chitra Katha Logo and Tinkle Logo are registered trademarks of Amar Chitra Katha Pvt. Ltd.
The financial concepts explained in the book are of Tata Mutual Fund.
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RISK & REWARD EPISODE 12
Suppandi and the Professor are roaming
the busy streets of Chandni Chowk... That they do! just keep
in mind they might not
be the most health--
Just look at those

golgappas, Professor!
They look so good!
SUPPANDI! You didn’t

even let me finish!
I’m sorry, Professor. I couldn’t resist.

Besides, when it comes to golgappas, It looks like you have quite the
I’m willing to take that risk. appetite for risk, Suppandi.
Huh? No, professor! Oh Suppandi! I’m talking about

I have an appetite for risk appetite! It’s a term people
golgappas right now! use with relation to investments.
I don’t follow,
Professor.
When it comes to
investing, people believe
“the higher the risk, the
higher the returns.”
MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,
READ ALL SCHEME RELATED DOCUMENTS CAREFULLY.
You see, Suppandi, your safest
investment options will be
traditional saving instruments,
fixed deposits and government
bonds. The risk is low but the
returns are also relatively low.
On the other hand, directly

investing in the share market
promise much better returns
but the risk factor is also much
higher. You need to be very
well-versed in how the market
operates. Your third option is
mutual funds-
- which are the best option as they are

managed by professionals, right, Professor?
See, I remember our chats from last time!
Very impressive, Suppandi. A mutual

fund allows you to get a slice of
various asset classes such as equity,
debt among others. They can serve
as a good asset allocation tool that
will help you balance your risks and
maximize your returns. The key to
investing wisely is not eliminating risk
but garnering the ability to manage it.
I agree whole-heartedly,
Professor. Now I think its
time for a dozen jalebis.
A dozen jalebis, Suppandi?
You see, Professor, my

appetite for risk is much

lower when it comes to
investing. but when it
comes to street food,
my appetite in general
is much, much larger!
Oh Suppandi!

MARKETS & MUTUAL FUNDS EPISODE 13
One day...
Hey Suppandi! What

are you up to?
Oh hi, Professor! I’m playing

this new videogame called
Skate Xtreme! Basically, I have
to guide my character through
series of hills and valleys and
make sure I don’t fall!
Sounds a lot like navigating

the stock market, Suppandi!
Huh? I didn’t know you

needed a skateboard to
navigate the stock market.
Oh Suppandi! I meant the
highs and lows in your
videogame are a lot like huh? how so? Wait, uh...
the highs and lows in Oh no! I crashed! i guess
the stock market! you can go on, professor!
Just like the videogame, the

stock market also has a series
of ups and downs that we
collectively call volatility. These
are caused by various factors.
Like?
Like Economic Data, Changes

in economic policy, economic
crises, global factors. company
performance reports and so
on. You have to make sure you
weather all these ups and downs
without losing your investments!

That sounds hard,
Professor. at least,
In the game, I get
power-ups and bonuses
to help me out!
Well, you do have a
power-up of sorts,
Suppandi. They’re in
the form of SIP or
Systematic Investment
Plans! Investing through
a SIP will help you
navigate market volatility.
Let me explain. Assume you have invested in a mutual

fund through a SIP. Every mutual fund has a Net
Asset Value or NAV, that is dependent on the value of
the stocks held by it. If the prices of the stocks go
down, the NAV goes down and vice-versa.
Okay?
You should not worry about the change in the

NAV in the short term. Mutual funds are designed
to be held for longer periods of time. Over the
years, SIPs will average out the purchase price of
mutual fund units, thereby helping you tide over
the risks of volatility. The longer you stay invested,
the better your chances of beating volatility.
THat’s exactly like my videogame. The

longer I can stay alive, the more points
I get! Professor, you should design a
mutual fund skateboarding game!
THat’s a great idea,

Suppandi. Till then, how
about I try out your

game instead?
Oh, Professor!

INVESTING & HIGHER EDUCATION EPISODE 14
Suppandi! You have a baby? I didn’t
even know you were married!
Married? When did I get

married? I can’t believe
I missed my own wedding!
Oh Suppandi! I was
just joking! Who
is the little tyke?
Goo goo!
This is Lola, my niece!

I’m watching her for
the afternoon!
You won’t believe how smart

she is, professor! When she
grows up, I’m going to make That’s an excellent
sure she can become idea, Suppandi.
whatever she wants to be! Have you started
planning for her
future yet?
That is true, Suppandi,

but the earlier you Hmm, you’re right, Professor.
start planning, the more Tell me, what’s the best way to
you can save up for her go about saving for her?
Oh Professor, there’s plenty in the future!
of time for that! Lola’s not
even in preschool yet.

Suppandi, your safest investment
options will be traditional saving
instruments, fixed deposits and
government bonds. The risk is low but
the returns are also relatively low.
You’re right, Professor. Inflation

will definitely lower the value of
whatever I save by the time Lola
is ready to go to college!
Suppandi, that’s exactly why i said you need

to start planning early. when it comes to
investing in mutual funds, THE OLD PROVERB,
‘THE EARLY BIRD GETS THE WORM’, IS VERY APt!
The earlier you begin investing, the better
your personal financial situation will be! for
example, IF YOU DECIDE TO START INVESTING A
SMALL AMOUNT AT THE AGE OF 25 AND I DECIDE
TO INVEST THREE TIMES YOUR AMOUNT AT THE
AGE OF 50, WHO DO YOU THINK WILL EARN MORE
WHEN WE ARE BOTH 65? LET’S SAY WE’RE BOTH
EARNING THE SAME RATE OF INTEREST AS WELL.
YOU’RE WRONG, SUPPANDI! YOU WILL EARN MORE because of

the power of compounding returns! WITH COMPOUNDING,
THAT’S EASY, a small investment made early in life WILL generate
PROFESSOR! YOU WILL MORE RETURNS than a larger investment made later.
EARN MORE BECAUSE Investing for a longer time is more effective than
YOU INVESTED THE waiting until you have a large amount to invest.
LARGER AMOUNT!
GOO GOO! GA GA!
Look, EVEN LOLA

GETS IT! You were
right, Suppandi. She
definitely IS a genius!
Oh Professor!

FINANCIAL PLANNERS EPISODE 15
How are you doing

now, Suppandi?
I’m much better now.

Apparently, my stomach
was upset. I think it’s
the bhel puri i had.
It’s good you came by, Professor.

I wanted to ask you about financial
planners. I overheard two doctors
talking about their services. Why
should I go to them if I can invest
in mutual funds without their help?
Oh professor, what
do I know about
medicines? My
doctor is the expert
when it comes to
Suppandi, why these things. He can
did you come to diagnose my illness
a doctor when in a jiffy, and then
you fell ill? You he’ll recommend
could have gone the right medicines
to a pharmacy and for me.
bought medicines
yourself.
i’m sure he’s

expensive as well?
but, professor, in the long

run, the doctor’s fees will
be much cheaper than the
medical bills that will come
out with me diagnosing
myself. What if I bought the
wrong medicines?!

Exactly! See, Suppandi,
you’ve answered your
own question.
What do
you mean?
Financial planners are like doctors

for your financial health. They will
talk to you, figure out your income and
expenditure, what your financial goals
are, how much risk you’re willing to take,
and after a detailed study, they will
recommend the right schemes for you
to invest in. . Their fees are much lower
than your average doctor’s as well!
Investing in a mutual fund scheme

without the adequate know-how is
as dangerous as self-medicating. You
could lose more money in the long run.
I get it! Thank you

for explaining all this
to me, Professor.
I’m glad you I have to ask my

agree, Suppandi. stomach first. I
Now, how about don’t want it getting
some lunch? upset with me again!
Oh Suppandi!

Large, Mid and Small Caps EPISODE 16
Professor Simple,
did you know that
Ideal Pizza just
opened their
thousandth store?
I am not surprised one bit! Ideal

Pizzas is among the top five large
cap stocks to invest in currently.
Um, Professor, who decides which Simply put, it is

companies get large caps and the number of
small caps? Do they get other shares a company
things also? Like t-shirts, maybe? has in the market
multiplied by the
value of one share.
the top hundred
companies with the
largest market cap
in india are large
Oh Suppandi! CAP here refers to a cap companies.
company’s market capitalisation.
So you’re saying Ideal Pizzas Suppandi, while a large

is among the five largest cap stock is more
companies in india? Wow! I stable, the returns you
the next 150 should quickly invest in them. get will be not be as
companies, ranked much as you’d expect.
101 to 250, are mid
cap companies,
while companies
lower than that
are small

cap companies.
this is because stock price will not fluctuate as

much. That’s why mid and small cap company stocks
may give better returns, but are more riskier.
Aaagh! So
many caps! I’m
not following,
Professor!”
It’s simple, Suppandi. Large cap company, lower

risk factor, lowers returns. Mid-cap company.
Medium risk factor. Medium returns. Small cap
company. Higher risk factor. Higher returns.
Mutual Fund investments are subject to market risks,
read all scheme related documents carefully.
Er, okay... but
why do small cap
companies have a
higher risk factor? Think of it as
investing in
your favorite
chaatwallah.
you mean, like

Chandubhai here?
If you invest in Chandubhai today, and

tomorrow Chandubhai becomes the biggest
chaat seller in the entire country, you
stand to make millions, right?
YES!
At the same time, God forbid, if Chandubhai

falls ill and is not able to sell chaat anymore, In my opinion, you should
then your entire investment is worthless! invest in mutual funds
that offer a healthy mix
POOF!
of large cap, mid cap and
small cap funds.

ohhh! that’s why small cap means
higher returns but higher risk! Of course. Mutual funds! Now
those I know about! However...
...After all this talk about

Chandubhai, I feel like I should
invest in some chaat now!
Oh Suppandi!

Share Trading VS Mutual Funds EPISODE 17
Professor!
Professor! Quick! I
need your advice!
What’s the matter,

Suppandi? Take a breath!
No time, Professor. My new boss just got a
hot stock tip. I heard a friend tell him on the Why are you laughing,
phone that now is the time to buy a lot of it, Professor? I thought this
and he was telling Sethji to act fast! would be a good way to
make lots of money quickly!
Which is why I
presume you
have run all
the way here.
Oh Suppandi! Investing
should not be seen as a
If you are investing in the stock get-rich-quick scheme.
market directly, you better have
all your facts straight!
You need to be up to date on the various

trends in stock prices. You need to be Suppandi, a lot of these stock tips is based

well-versed with economic policies that on speculation and assumptions. If you act on
will dictate these fluctuations. this without proper research of your own,
you can lose all of your precious savings.
Trust me, Suppandi, stick to the long game. Stick

to your systematic investment plans. After all,
they are called systematic for a reason!
But Professor, don’t SIPs

also carry the same risk?

Not at all, Suppandi.
One, mutual funds I do, Professor, you’re right.
are managed by I should go and tell Sethji to
professionals who have hold onto his money!
done the much-needed
research you need. Two,
mutual funds invest
in multiple companies,
spreading your risk. you’re making the right
Three, SIPs lowers decision, suppandi!
your risk factor over
the years because of
rupee cost averaging.
Remember how we
spoke about that?
A few days later... Professor, you were

right. The tip turned
out to be bogus!
Sethji’s friend lost
everything…
And Sethji?
After I told him what

you told me, he decided
against investing. Now,
he is so grateful he
promoted me to CCO!
Chief Creative
Officer, Suppandi.

That’s amazing!
Chief Cleaning Officer,

Professor! But I am very
creative with my cleaning!
Oh Suppandi!

The Union Budget EPISODE 18
The Finance Minister
is putting the final
touches on the
Union Budget, set
to be presented on
February 1st, 2018...
I’ve been hearing everyone

talking about the union
budget a lot these days.
Er, what’s a union

And, Suppandi? budget? Is it like some
sort of fighter jet?
Ha ha ha, Suppandi! You;re

hilarious sometimes! Er, so I’m
guessing it’s not a
fighter jet then.
nope! It’s
an annual
plan that the
government
makes, to help
plan their
finances!
there are a lot of expenses the

I’m not following. Why government incurs every year.
does the government to pay for that, they have to see
need to do that? how much income they are making.
First, they take into account the amount of

revenue they make through direct and indirect
taxes. This is labeled revenue receipts.
The lesson is conceptual in nature and does not cover the entire depth of the subject.
The content should be seen from the perspective of being a primer on financial concepts.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Then, they mark out what all expenses they
will have. For one, they will have to pay salaries
and pensions of various government employees.
These come under revenue expenses.
“Another big expense head is capital expenditure. This includes all infrastructure costs, like roads, bridges,
government buildings and so on. Income from such infrastructure comes under capital receipts.”
Sometimes, the country’s

expenses are more than
the income. This is called That sounds bad!
fiscal deficit. WHat does the It can take loans
government do then? from other
countries or
international
bodies, or
increase interest
on government
loans, or float
government bonds.
Once the government I’m going to make a budget

has all these figures, it tonight itself, Professor. That
knows how much it can way, even if I’m in a ’physical
spend on plans to improve deaf-is-it’, I’ll know how much
the economy, and other I’ll have to borrow from you!
non-planned expenditure.
oh, Suppandi!
The lesson is conceptual in nature and does not cover the entire depth of the subject.
The content should be seen from the perspective of being a primer on financial concepts.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
The Professor’s Fan club
“Thanks to
Suppandi’s
fessor
“This Pro le is new friend,
imp
Simply S nius! Professor
ge
quite the ve told Simply
I ha d
Ravi and t o i n v e st in chil Simple, I have st
arted
ts
our paren iately! That way, investing my ow
n money.
med
plans im l d e r
e
, we’ll hav ice Finally, I don’t hav
e
r e o
when we’ ey to build an off to depend on laz
y, old
on
enough m ctive agency!” Shambu anymore!
”
ete ves
for our d Defective Detecti Shanti, Shambu’s
wife
m
Rahul fro
Having four
ambitious
and talented
daughters means
four big dreams to fund and
many sleepless nights for
“Now
know all that I AN INVESTOR EDUCATION INITIATIVE
me wondering how! But now
of inves the
ting, I’m basics thanks to Professor Simply
make m g
y money oing to Simple’s investment tips, I
immedia wo
tely! So rk for me hope to be all set and sleep
enough on, I’ll e soundly every night.
cash to ar
own kin buy my n Ina, Mina, Mynah and
gdom. T ve
be free hen, I ca ry Mo’s father, Jaganathan
of n fin
Tantri t Hooja forever! ally
he Mant ”
ri
If Suppandi
can find it Simple,
So can you!
To understand more about investing,

please reach out to your financial advisor.
To know more, visit: www.tatamutualfund.com/knowledge/suppandi
www.facebook.com/TataMutualFund
www.twitter.com/ProfSimple
https://www.youtube.com/user/TataMutualFundIndia

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AN INVESTOR EDUCATION INITIATIVE BY TATA MUTUAL FUND

When it comes to simpletons,

simple investing can be!

Created by Amar Chitra Katha Pvt. Ltd.

Just look at those

SUPPANDI! You didn’t

I’m sorry, Professor. I couldn’t resist.

Huh? No, professor! Oh Suppandi! I’m talking about

On the other hand, directly

- which are the best option as they are

Very impressive, Suppandi. A mutual

A dozen jalebis, Suppandi?

You see, Professor, my

AN INVESTOR EDUCATION INITIATIVE

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

Hey Suppandi! What

Oh hi, Professor! I’m playing

Sounds a lot like navigating

Huh? I didn’t know you

Just like the videogame, the

are caused by various factors.

Like Economic Data, Changes

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

Let me explain. Assume you have invested in a mutual

You should not worry about the change in the

THat’s exactly like my videogame. The

THat’s a great idea,

AN INVESTOR EDUCATION INITIATIVE

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

Married? When did I get

This is Lola, my niece!

You won’t believe how smart

That is true, Suppandi,

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

You’re right, Professor. Inflation

Suppandi, that’s exactly why i said you need

YOU’RE WRONG, SUPPANDI! YOU WILL EARN MORE because of

GOO GOO! GA GA!

AN INVESTOR EDUCATION INITIATIVE

Look, EVEN LOLA

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

How are you doing

I’m much better now.

It’s good you came by, Professor.

i’m sure he’s

but, professor, in the long

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

Financial planners are like doctors

Investing in a mutual fund scheme

I get it! Thank you

AN INVESTOR EDUCATION INITIATIVE

I’m glad you I have to ask my

MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS,

I am not surprised one bit! Ideal

Um, Professor, who decides which Simply put, it is

So you’re saying Ideal Pizzas Suppandi, while a large

AN INVESTOR EDUCATION INITIATIVE

this is because stock price will not fluctuate as

It’s simple, Suppandi. Large cap company, lower

you mean, like