 "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 14 - Sanjay Kumar Singh
Persist with your SIPs to accumulate fund units at reduced costs
Pain in equities is expected to continue in the short-term, but investors with longer horizon must stay the course
 "Persist with your SIPs to accumulate fund units at reduced costs")
Keep your money safe: Stick to systemically important banks for safety
Be wary of co-operative banks which have historically been most vulnerable
 "Keep your money safe: Stick to systemically important banks for safety")
As courts get strict on contract reading, customers must be wary
Consumer courts offer a simple and cost-effective avenue for addressing these issues
 "As courts get strict on contract reading, customers must be wary")
To cover mental illness, buy health insurance policy offering OPD coverage
Industry regulator nudging companies to underwrite policies that include people with mental illnesses
 "To cover mental illness, buy health insurance policy offering OPD coverage")
Abating pricing pressure in US market good news for pharma funds
While the risk from USFDA strictures remains, aggressive investors may take limited bets with 5-7-year horizon
 "Abating pricing pressure in US market good news for pharma funds")
How wholelife plans can help transfer tax-free wealth to next generation
The policies provide cover till age 90-100 years; if payout comes as death benefit, it will be tax-free in the hands of nominees
 "How wholelife plans can help transfer tax-free wealth to next generation")
Personal finance 101 from an industry veteran
The Bee, the Beetle and the Money Bug is a welcome addition to the rather sparse list of books that attempt to equip readers with the fundamentals of financial planning
 "Personal finance 101 from an industry veteran")
Pension will be higher under EPS but will come at a cost: Should you opt?
Be prepared to claw back from EPF to EPS if you go for joint option scheme
 "Pension will be higher under EPS but will come at a cost: Should you opt?")
Only investors with a long horizon should enter mid- and small-cap segment
After the outperformance of the past three years, they should be prepared for modest returns in the near term
 "Only investors with a long horizon should enter mid- and small-cap segment")
Explainer: Are you eligible to opt for a higher pension from EPS?
What happened in the 2014 amendment? What did the Supreme Court say in its judgement? And above all, are you eligible for the scheme? This explainer tries to answer all these queries
 "Explainer: Are you eligible to opt for a higher pension from EPS?")
Explainer: New EPS rules and why higher pension will come at a cost
Employees need to weigh the pros and cons before opting for a higher pension; EPFO also needs to clarify how the higher contribution to EPS will be funded
 "Explainer: New EPS rules and why higher pension will come at a cost")
Invest bulk of debt portfolio in funds that have 2-5-year average maturity
Avoid exiting from the category as most of the pain caused by rate hikes is behind us
 "Invest bulk of debt portfolio in funds that have 2-5-year average maturity")
Realty check for luxury housing after crucial change in tax structure
Deduction can be availed of under Section 54 and Section 54F in the same assessment year, thereby enhancing total limit, say tax experts
 "Realty check for luxury housing after crucial change in tax structure")
Prepay at least 5% of your home loan each year to tackle rising rates
With rates cuts unlikely anytime soon, debt mutual fund investors should avoid duration calls
 "Prepay at least 5% of your home loan each year to tackle rising rates")
Rely on term plan-MF combo instead of going for traditional plans
Don't fall prey to the hard-selling of traditional plans that is likely to end after March 31
 "Rely on term plan-MF combo instead of going for traditional plans")
For insurance cover against cancer, maintain high sum for hospitalisation
February 4 is World Cancer Day: here is advice on how meet ancillary expenses in treating disease
 "For insurance cover against cancer, maintain high sum for hospitalisation")
Get a lower rental rate with higher deposit, longer-term lease agreement
Avoid paying more than 15-20 per cent of post-tax salary as house rent
 "Get a lower rental rate with higher deposit, longer-term lease agreement")
Silver's performance may continue if global economy avoids recession
Beware of its volatile nature and don't invest more than 5% of your investment portfolio in it
 "Silver's performance may continue if global economy avoids recession")
Quitting can be good for you
Human beings find it hard to quit, but life is too short to be wasted on endeavours not worth sticking to. Annie Duke's book illustrates the virtue of knowing when to give up
 "Quitting can be good for you")
US interest rate-cut expectations have yellow metal shining bright
Mild recession, low inflationary pressures in the US and a stronger rupee would act as headwinds
 "US interest rate-cut expectations have yellow metal shining bright")