Jiraaf Blogs

Retirement doesn’t stop your expenses; it simply changes how you manage them. While pensions and savings can provide your portfolio a foundation, they often need a little extra support to keep pace with rising costs and longer life expectancy. Many retirees want to preserve the capital they have accumulated, earn a predictable income, and stay […]

Every investment has a purpose. Some aim to keep your money safe and within reach for emergencies, while others are driven by long-term goals like a new home, your child’s education, or a comfortable retirement.  And when it comes to bonds, that very purpose often shapes the choice you make. Because the moment you decide […]

When it comes to money, some investors drive in the fast lane, chasing momentum, taking sharp turns, and risking a few dents to their capital for the thrill of higher returns.  But others prefer the safe route; slow, steady, and certain. They don’t chase market highs; they focus on protecting what they’ve earned and letting […]

For decades, fixed deposits have been the go-to choice for anyone seeking stability—a safe corner for money to grow without surprises. But today’s financial landscape looks very different. Interest rates fluctuate, inflation quietly erodes real returns, and investors are beginning to rethink what “safety” truly means.  This shift has brought arbitrage funds into focus—an alternative […]

Every business invests in assets such as machines, vehicles, computers, and buildings to keep operations running and growth on track. But as time passes, these assets don’t hold the same value they once did. With daily use, wear and tear, even technological changes, and other factors, their worth naturally declines.  Now, here’s the important part: […]

Retirement planning isn’t just about money; it’s about designing a life you want to live after you have fulfilled your roles and responsibilities in life; a life you get to live however you want.   This discussion centers on the financial fabric of retirement—because while dreams shape your vision, it’s your money plan that decides how […]

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 […]

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 […]