“Ranjit Jha agrees, stressing discipline, “Young investors can start with government or high-rated corporate bonds to build discipline and steady returns, while gradually adding equities for long-term growth.”
Jha sums it up well, “In the 30s and 40s, bonds act as a cushion during market downturns and ensure part of the portfolio remains in stable, income-generating assets.”
Jha also highlights their importance, “For senior citizens, bonds are ideal as they prioritise safety and predictable income. Regular coupon payments ensure cash flow, while government-backed or high-rated bonds protect wealth.”
Jha adds a practical tip, “Focus on high-rated issuers, keep maturities short to medium, and diversify across types of bonds. Bond mutual funds or debt funds are also a good way for beginners to get exposure without picking individual bonds.”
Full Article Link: https://www.indiatoday.in/business/personal-finance/story/from-20s-to-retirement-how-bonds-strengthen-your-finances-2785155-2025-09-10