Jiraaf Blogs

Learn how to buy and sell bonds in India with this step-by-step guide covering platforms, processes, and what happens when you hold bonds till maturity.  Keeping the list of bonds he chose to invest in one hand, Mr. Financewala opens his Jiraaf account. But the moment he lands on the platform, he realizes that while he now understands what […]

A yield curve plots bond yields across different maturities and helps investors understand economic conditions and interest rate expectations, while shifts in the curve signal where it may be headed next.   By the time you reach this chapter, you would have already covered a significant amount of ground. You know what bonds are, how to buy and […]

Taxation plays a key role in what you actually earn by investing in bonds. Read on to understand how interest income and capital gains on bonds are taxed in India.   On a weekend, Mr. Financewala met with his close friend, Mr. Budgetbhai, again to check on his new job. However, their conversations quickly turned into discussions around the bond market.  Mr. Financewala walked his friend through concepts like yield, […]

Learn how to classify your income and clearly separate essential expenses from flexible spending.  You earn every month, yet somehow the money always seems to fall short. The problem often isn’t how much you earn, it’s that you don’t know how to structure your income.   Understanding the difference between disposable and discretionary income is the first step to understanding that. These two numbers tell you exactly where your […]

Your salary might have increased over the years, but so have your expenses, and often at a faster pace. This noticeable rise in your rent, groceries, travel, and other lifestyle costs often leaves you with little room to save or invest in the same proportion as your salary increase. In such an environment, relying on a single source of […]

Gold crossed ~₹1.6 lakh per 10 grams in early 2026, a milestone that reflected just how much the metal had appreciated over the past year. For long-term holders, it was a rewarding run. For those watching from the sidelines, it raised a familiar question: is now the right time to buy in?  The honest answer is that nobody knows. […]

Active and passive investing serve different roles, from seeking outperformance to ensuring consistency. Understand how each approach works and how to use them together in your investment journey.  Every investor reaches a point where the question is no longer what to invest in, but how to invest. Should you actively pick up opportunities and aim to outperform, or […]

A core-and-satellite portfolio strategy divides your investments into a stable core allocation and a smaller satellite portion that pursues selective market opportunities. Learn how to structure a Core-and-Satellite portfolio and allocate your investments effectively in this guide.  Not every investment in your portfolio needs to serve the same purpose. Some are meant to protect capital and grow over a long-term horizon, while others help […]

India offers NRIs multiple passive income avenues, from investment-grade bonds and G-secs to dividend-paying equities and income-yielding real estate. Explore the full blog to understand which options align with your risk profile and long-term income goals.  For many NRIs, India remains an emotional anchor; a place of family, familiarity, and long-term connection. But increasingly, it is also becoming a […]