 "Sanjay Kumar Singh")
Sanjay Kumar Singh
Sanjay Kumar Singh
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
Sanjay Kumar Singh
How to prevent rejection of EV insurance claim: Key precautions to take
As EV adoption rises, insurers warn that improper charging, unauthorised modifications, and delayed reporting can lead to claim rejection
 "How to prevent rejection of EV insurance claim: Key precautions to take")
Participating plans: Should they be in your investment portfolio?
Only highly conservative investors who are satisfied with steady but low returns over a long span may consider them
 "Participating plans: Should they be in your investment portfolio?")
One more REIT now available, but are they the right instrument for you?
Interest rate cycle affects the attractiveness of REITs; a longer horizon is essential to overcome its impact
 "One more REIT now available, but are they the right instrument for you?")
Benefits, pitfalls of maternity cover you should be aware of before buying
Watch out for sub-limits and waiting periods that often accompany this cover
 "Benefits, pitfalls of maternity cover you should be aware of before buying")
What NPS' new asset allocation, withdrawal options mean for you
Surrender of annuity will be allowed only if it meets the terms of the contract
 "What NPS' new asset allocation, withdrawal options mean for you")
After run-up in precious metals, what steps should investors take?
Rebalance away from gold and silver and towards equity and debt
 "After run-up in precious metals, what steps should investors take?")
Pharma, healthcare funds are in recovery mode. Should you enter them now?
Hold existing investments if you have a long horizon; book partial profits if exposure exceeds 10 per cent
 "Pharma, healthcare funds are in recovery mode. Should you enter them now?")
Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty
Chasing high returns by investing in lower-rated instruments could result in loss of principal
 "Corporate fixed deposits: Use laddering strategy to tackle rate uncertainty")
₹1 crore-plus health covers offer safety, but affordability remains key
Health insurance premiums tend to rise rapidly at older age
 "₹1 crore-plus health covers offer safety, but affordability remains key")
As silver slides, punters should exit, long-term investors should buy dip
Those investing now should stagger their investments and enter with a long-term horizon
 "As silver slides, punters should exit, long-term investors should buy dip")
Mid, smallcap fund recovery may not sustain; experts urge cautious moves
New investors should enter only if they have the required investment horizon and risk appetite, not merely because these funds have rallied
 "Mid, smallcap fund recovery may not sustain; experts urge cautious moves")
Life insurance onboarding: Disclose ailments, habits; take tests if needed
Appoint a guardian for minor nominees; update nominations after major life events
 "Life insurance onboarding: Disclose ailments, habits; take tests if needed")
Multi-asset fund-of-funds: Active option suits alpha, risk control seekers
Multi-asset FoFs offer diversification in one fund, but investors must weigh costs, tax rules, and active vs passive strategies before investing
 "Multi-asset fund-of-funds: Active option suits alpha, risk control seekers")
Investing in FDs via digital platforms offers wider choice, easy access
Digital platforms make FD investing easier, but investors must weigh risks, diversification, and post-tax returns instead of chasing high interest rates
 "Investing in FDs via digital platforms offers wider choice, easy access")
Flexicap funds: Look for consistency of return, resilience during downturn
Flexicap funds see record inflows, but investors should focus on suitability, risk, and fund manager consistency rather than chasing short-term returns
 "Flexicap funds: Look for consistency of return, resilience during downturn")
Negative returns in long-duration funds: Stay invested if horizon extends
New investors may make a staggered entry with a horizon that matches these funds' portfolio maturity
 "Negative returns in long-duration funds: Stay invested if horizon extends")
Health insurance claim rejections: Check coverage, exclusions first
Make full disclosure of existing conditions, lifestyle habits, and past treatments
Invest in gold, global funds to cushion portfolio against fall in rupee
Holding gold and global assets can help Indian investors hedge against rupee depreciation, manage inflation risks, and meet dollar-denominated goals such as overseas education and travel
 "Invest in gold, global funds to cushion portfolio against fall in rupee")
Year-end portfolio review: Book partial profits in silver and gold funds
Diversify internationally, continue SIPs in equity funds, and move towards medium and shorter-duration debt funds
 "Year-end portfolio review: Book partial profits in silver and gold funds")
Retirement portfolio beyond FDs: Diversify for inflation, longevity risks
The entire retirement corpus will not be needed on day one, so it should be split into growth and income-generation buckets to manage inflation and longevity risks
 "Retirement portfolio beyond FDs: Diversify for inflation, longevity risks")