 "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.
Page 11 - Sanjay Kumar Singh
Financial stability, ethics: Key factors to consider in choosing a broker
Traders must look for a platform that is robust and cost effective
 "Financial stability, ethics: Key factors to consider in choosing a broker")
Invest in multiple single-factor funds with a 7 to 10-year horizon
Timing entry and exit in a single-factor fund is impossible
 "Invest in multiple single-factor funds with a 7 to 10-year horizon")
Investors need to exercise prudence after PSU funds' robust surge
Only high-risk investors should take limited exposure to these funds, provided they have a long horizon
 "Investors need to exercise prudence after PSU funds' robust surge")
Prefer deductible to co-pay in senior citizen health insurance cover
Last week Tata AIG General Insurance launched a plan for this group, adding to the considerable number of plans already available
 "Prefer deductible to co-pay in senior citizen health insurance cover")
Retired comfortably: Old age homes that are worth the investment
Such properties are designed for the elderly and give them company and security
 "Retired comfortably: Old age homes that are worth the investment")
Choosing NPS fund manager? Seek consistency across the asset classes
Switch fund manager only if long-term performance lags the category average
 "Choosing NPS fund manager? Seek consistency across the asset classes")
Small-cap funds: Existing investors should rebalance, continue SIPs
New investors planning large lump-sum investments should stagger them over 6-12 months
 "Small-cap funds: Existing investors should rebalance, continue SIPs")
Reduce uncertainties of home purchase with a competent, professional broker
Professional certification and experience can boost the odds of finding the right individual
 "Reduce uncertainties of home purchase with a competent, professional broker")
Capitalise on the industry insight by investing in its sector fund
Choosing such a fund based on recent returns can, however, jeopardise portfolio performance
 "Capitalise on the industry insight by investing in its sector fund")
Equity market dip, Federal Reserve signaling peak rate to boost gold
High oil prices would be detrimental; use any correction to build 5-15% allocation
 "Equity market dip, Federal Reserve signaling peak rate to boost gold")
Peak market strategy: Don't exit equities, keep investing new money
The key is to remain invested; rebalance your portfolio if required as market touches new highs
 "Peak market strategy: Don't exit equities, keep investing new money")
Buy home insurance policy that compensates on reinstatement basis
Revise your sum insured periodically so that it keeps pace with inflation
 "Buy home insurance policy that compensates on reinstatement basis")
Factor in rupee depreciation when planning for child's education goal
Defer foreign travel plan or opt for a destination where the currency impact is less pronounced
 "Factor in rupee depreciation when planning for child's education goal")
As rents rise, here is what you can ask from your landlord for protection
Sign a long-term agreement that should have a reasonable escalation built in and a minimum guaranteed tenure
 "As rents rise, here is what you can ask from your landlord for protection")
The DIY handbook for mutual fund investing
Personal finance columnist Monika Halan's book steers clear of needless complexity and provides knowledge that is useful
 "The DIY handbook for mutual fund investing")
Higher EMI or longer tenure? Go by your financial wherewithal, say experts
Currently, a floating-rate loan appears a better bet than a fixed-rate peer
 "Higher EMI or longer tenure? Go by your financial wherewithal, say experts")
For car loan, check lenders on their total borrowing cost and service
Select companies that offer easier terms for repayment of the loan
 "For car loan, check lenders on their total borrowing cost and service")
CBDT issues detailed guidelines on taxation of traditional policies
The Finance Act, 2023, had amended Clause (10D) of Section 10 of the Income-Tax Act, 1961
 "CBDT issues detailed guidelines on taxation of traditional policies")
Switch if you can find 50 bps cheaper home loan; lock into current FD rates
Some lenders have lowered their rates over the past couple of months by reducing their spreads
 "Switch if you can find 50 bps cheaper home loan; lock into current FD rates")
Longer-duration debt funds: Tactical bets are for high risk takers
Long-term investors who want near-certain returns may opt for a target maturity fund that invest in gilts
 "Longer-duration debt funds: Tactical bets are for high risk takers")