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 […]

International portfolio investment has emerged as a strategic approach for investors aiming to enhance returns and mitigate concentrated risk. By moving beyond domestic markets, investors can leverage differences in growth cycles, interest rates, and inflation patterns across countries to achieve stronger risk-adjusted performance. Allocating capital across diverse economies helps cushion portfolios from local volatility while […]

A company’s balance sheet paints a picture of the company’s financial health at that specific point of time. It shows how well the company has allocated its resources for stability or growth, or any other goals. And at the heart of this picture lies the company’s assets; the resources that power both day-to-day functioning and […]

Ever noticed how your Cost to Company (CTC) is always higher on paper than the actual amount that gets credited in your bank account? You are not alone. Most young professionals get psyched about that big number in the offer letter, only to realize later that a part of their salary does not reach them […]

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 […]