Jiraaf Blogs

Since bonds are essentially loans you give to an issuer, every bond comes with a repayment date, the point at which your principal amount is returned. This is known as the maturity of the bond. It marks the end of the bond’s life cycle when the issuer repays your invested amount and interest payments stop.  […]

Imagine buying the latest smartphone. When you purchase it directly from the company on launch day, you’re getting it brand-new, straight from the source. In financial terms, that’s similar to the primary market, where companies sell their securities (such as shares or bonds) to investors for the very first time.  Now, picture a different scenario—someone […]

A well-built portfolio isn’t a solo act; it’s an orchestra. Equities bring the highs; gold adds texture, and alternative assets keep things interesting. But it’s debt that holds the rhythm together. It gives your investments structure, balance, and resilience through market mood swings.  In India, the debt landscape has evolved into a dynamic space with […]

In investment, just like in life, there’s a time to build, a time to balance, and a time to protect. As your career grows and your responsibilities shift, so does the role your money needs to play. Asset allocation helps your money keep pace with you, ensuring that every phase of your financial journey, from […]

Old wisdom said, when in doubt, park your money in an FD. And for many of us, that became our first tryst with investing—a symbol of safety, discipline, and certainty; but times have changed. With interest rates tapering and inflation quietly nibbling away returns, many savers are beginning to rethink where their money lives.  Today, […]

Wealth isn’t just about earning more or picking up the right investments—it’s about building a strong, balanced financial foundation that lasts generations. The seven golden rules of wealth building cover every part of your financial life.   From creating a clear plan and building assets to managing debt and refining your strategy over time, these principles […]

Bonds are designed with specific purposes—some aim to preserve capital, others generate steady income, and a few deliver better long-term returns. Each bond serves a different type of investor, depending on risk appetite, financial goals, and time horizon.  In India, the bond market has evolved far beyond traditional government securities. Today, investors can choose from […]

Having ₹5 lakh in your hands brings with it a real opportunity to make your money work for you. This amount is versatile enough to be invested in multiple ways across different assets, risk levels, and time horizons, so you can balance growth, stability, and flexibility. Leaving it idle in a savings account comes with […]

Investing ₹10,000 might not sound like a big move, but for many people, it’s the first real step toward taking control of their money. Maybe you’ve just started earning and saving, and now want to grow your savings. Or perhaps you’ve managed to set aside a little extra and want it to work and earn […]