Jiraaf Blogs

Retirement marks a financial shift, one where you move from primarily earning through work to earning through what you’ve built over the years. And after years of working, saving, and planning, at this stage, you should be able to enjoy the rewards of your efforts with stability, predictability, and peace of mind.  But stability and […]

Step-up bonds offer investors scheduled increases in coupon payouts, giving them predictable income that grows over time. This blog explains how they work, where you can invest in them, how they differ from fixed coupon bonds, and who they’re best suited for.  When you start working out, you don’t lift your heaviest weight on day […]

This blog breaks down the key differences between bonds and shares, explaining how they work, their risk–return profiles, and which suits your goals. Learn how to balance stability from bonds with the growth potential of shares to build a well-diversified investment portfolio. Bonds and shares are two different investment instruments, fundamentally contrasting with each other, […]

You’ve probably heard your friends or family talk about FDs and TDs when discussing savings or bank investments. And because these terms are often used interchangeably, many people naturally assume they mean the same thing. But make no mistake; FDs and TDs might be similar enough to blur together sometimes, yet they’re distinct enough to […]

Discover how P2P lending works in India, its returns, risks, tax treatment, and the impact of the latest RBI regulations. This guide helps investors understand whether P2P lending is a suitable investment option for their portfolio.  Lending to our peers has always been part of our lives, whether it’s extending credit to a friend in […]

This blog covers simple passive income ideas for couples and explains how to create and manage a joint strategy. It will help you understand how shared financial planning can help strengthen your relationship and build long-term wealth.   These days, most people don’t rely on just one source of income. They earn in multiple ways, sometimes […]

For generations, women have found creative and resourceful ways to manage money—stretching household budgets, saving for rainy days, and planning ahead with remarkable foresight, even invest in gold (mostly through jewelry). Yet, when it came to formal investing, their participation often remained limited.  But that’s changing now; with greater financial independence and exposure to opportunities, […]

Every investment tells a story—one of intent, discipline, and the results that follow. But not every story ends the same way. Some ventures multiply capital; others drain it slowly. To see which side of that story you’re on, you need a measure that connects effort to outcome. And Return on Investment (ROI) does exactly that. […]

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 […]