Blogs

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  • Bonds,Fixed Income Investments,What's Trending
  • 9 min read

Beyond the 90-10 Split: A Pragmatic Approach for Indian Retail Investors

Investing is both an art and a science. Striking the right balance between risk and return often determines the success of a portfolio. A widely quoted investment principle recommends allocating 90% to equities and 10% to bonds, emphasizing long-term wealth creation through equities and stability through fixed-income securities. While this approach might work well in […]

Vineet Agrawal | Co-founder, Jiraaf
All Categories
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  • Bonds,Financial Goals,Fixed Income Investments,Personal Finance
  • 8 min read

How to Invest and Buy Bonds in India: The Ultimate Guide for Indian Investors 

In the recent years, more and more investors in India have started looking beyond traditional options like stocks and fixed deposits and got into including bonds in their portfolio to diversify their investments and earn returns in a risk-optimized manner. The bonds market in India has grown over 70% in the last five years. As […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments
  • 12 min read

Understanding Zero-coupon Bonds: How They Work, Benefits, and Risks 

Navigating long-term financial planning while balancing growth, stability, and predictability is not an easy task. Investors are constantly navigating market volatility, changing interest rates, geopolitical tensions etc. coming in the way of their financial milestones, like securing a comfortable retirement or funding children’s education. This is where zero-coupon bonds can step in as a valuable […]

Vineet Agrawal | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments
  • 6 min read

Municipal Bonds Simplified: Key Insights for Investors

Investing in bonds can sometimes feel like navigating a maze of jargon, numbers, and endless choices. But here’s the thing – municipal bonds, or “munis,” offer a slice of simplicity while delivering consistent returns. These investments might not be flashy, but they offer consistent returns and certain tax benefits that make them worth considering in […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments,Investment Basics
  • 5 min read

Investment Grade Bonds: A Smart Choice for Risk-Averse Investors

Investing can be daunting, given the effort one needs to put to strike the right balance between risk and reward. If you’re someone who leans toward preserving your capital while still earning a decent return, investment grade bonds might be the perfect choice for you. Let’s dive into what makes these bonds a go-to option […]

Vineet Agrawal | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments,Personal Finance
  • 4 min read

What are Tax-free Bonds: Understanding Their Benefits, Types, and Advantages 

Are you tired of seeing a big part of your income vanish into paying taxes every year? You’re not alone. Many investors are looking for smart, tax-efficient options to grow wealth, and tax-free bonds might just be your answer. What makes them special? Why do so many people turn to them for stable returns? And […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments,Investment Basics
  • 6 min read

Understanding Coupon Rates in Bond Investments

The coupon rate is more than just a fixed interest payment—it’s the pulse of a bond’s income potential, directly shaping how much investors earn over time. As economic conditions fluctuate, the coupon rate determines whether a bond holds its appeal, compensating for inflation, market risks, or even investor sentiment. Grasping its nuances—how it affects pricing, […]

Vineet Agrawal | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments,Investment Basics
  • 4 min read

Bond Ratings: A Key Factor in Fixed Income Investment Strategy

Have you ever wondered how to identify bonds that are safer investments than others? The answer lies in the bond ratings, a system that helps investors assess the creditworthiness of bond issuers. In simple terms, bond ratings are like a report card for bonds, grading them on their ability to repay their debts. What are […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Bonds,What's Trending
  • 8 min read

A Promising Horizon: The Case for Indian Bonds in 2025

The Indian bond market is entering an exciting phase, backed by a confluence of favorable factors that are setting the stage for extended growth. After delivering its best performance in four years during 2024, the market is well-positioned to sustain its momentum into 2025. Factors like anticipated rate cuts by the Reserve Bank of India […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Fixed Income Investments,Investment Basics,Personal Finance
  • 6 min read

Fixed Income Securities: Bring Back Security to Your Portfolio

In a world where investment options range from high-risk stocks to lesser-than-inflation-beating-returns generating assets, fixed-income securities stand out for their stability, offering predictable returns and dependable cash flow. If you prioritize security and consistency, along with portfolio growth, fixed-income securities can help you preserve wealth while contributing to securing your portfolio. This guide explores the […]

Saurav Ghosh | Co-founder, Jiraaf
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  • Bonds,Fixed Income Investments,Investment Basics
  • 8 min read

What is Bond Yield? Understanding its Importance, How it Works, and its Calculation

As an investor, you’re likely juggling multiple decisions — choosing the right assets, balancing risks, and maximizing returns. In this maze of financial choices, bond yields are a valuable tool. Whether you’re diversifying your portfolio, assessing the value of fixed-income securities, or planning for long-term goals, understanding bond yields is essential. But let’s be honest […]

Vineet Agrawal | Co-founder, Jiraaf
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  • Bonds,What's Trending
  • 6 min read

RBI’s MPC Decisions: Rate Pause, Liquidity Injection, and Economic Outlook

The Reserve Bank of India’s (RBI) Monetary Policy Committee (MPC) meeting on December 6, 2024, came amidst a complex economic backdrop. Globally, inflationary pressures persist, fueled by geopolitical tensions and supply chain disruptions, while domestically, erratic weather patterns and fluctuating commodity prices have kept inflation risks elevated. The RBI, balancing these challenges, chose to keep […]

Vineet Agrawal | Co-founder, Jiraaf