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 17 - Sanjay Kumar Singh
How to plan your finances before you take the leap into entrepreneurship
Creating an adequate reserve, reduce the risk in your investment portfolio, and buy sufficient life and health insurance
 "How to plan your finances before you take the leap into entrepreneurship")
Buy zero-cost term plan if you are keen on a return, say experts
If not, stick to a plain-vanilla plan and invest the surplus in mutual funds
 "Buy zero-cost term plan if you are keen on a return, say experts")
Highs and lows of life as a VC
One of the book's most engrossing chapters is about a company called HealthSouth on whose board the author served for several decades
 "Highs and lows of life as a VC")
Invest in residential realty with at least a seven-year horizon: Experts
While market is on the mend, a steep increase in prices may not happen in near future
 "Invest in residential realty with at least a seven-year horizon: Experts")
Parents' income, child's record count in getting education loan: Experts
Students joining a professional course at a top-notch college will find it easier to get approval
 "Parents' income, child's record count in getting education loan: Experts")
Ladder your fixed deposits to avoid the risk of reinvestment: Experts
Debt fund investors should keep the bulk of their investments in shorter-duration funds, 10-20% in longer-duration ones
 "Ladder your fixed deposits to avoid the risk of reinvestment: Experts")
Invest in a smart-beta fund only if you are convinced about strategy
Use market cap index-based funds in your core portfolio and complement them with smart-beta funds in satellite portfolio
 "Invest in a smart-beta fund only if you are convinced about strategy")
Buy a house only if you don't plan to change city and can afford it
Renting provides flexibility vis-a-vis size of the house and geography, frees up finances
 "Buy a house only if you don't plan to change city and can afford it")
Target maturity funds are better than FMPs for locking in returns
They are more transparent and control both interest-rate and credit risk
 "Target maturity funds are better than FMPs for locking in returns")
Tackle higher cost of foreign education with diligent planning: Experts
Choosing right country and college, part-time job can help bridge the gap caused by the rupee's fall
 "Tackle higher cost of foreign education with diligent planning: Experts")
Smart policy choice can help you tackle medical inflation: Experts
Most Ayush treatment happens out-patient; your policy may not be very useful if it offers only hospitalisation cover
 "Smart policy choice can help you tackle medical inflation: Experts")
Fractional platforms lower barrier for investing in commercial realty
It is a relatively new avenue though and carries high concentration risk
 "Fractional platforms lower barrier for investing in commercial realty")
BNPL credit facility used without caution can lead to a debt trap
Understand all the attendant costs of this facility; delayed repayment will hit your credit score
 "BNPL credit facility used without caution can lead to a debt trap")
Avoid overreaction to HDFC MF CIO Prashant Jain's exit, say experts
However, what investors got in his funds was fidelity to a fund management style that worked over the long term
 "Avoid overreaction to HDFC MF CIO Prashant Jain's exit, say experts")
With rupee at 80, how to tackle cost of studying and travelling abroad
Education consultants advise parents to prepare for at least 2% annual increase in costs for children abroad
 "With rupee at 80, how to tackle cost of studying and travelling abroad")
REITs: A combination of good returns with room for growth, say experts
Payouts can be affected by vacancy and tenants defaulting on payments
 "REITs: A combination of good returns with room for growth, say experts")
The man who helped investors buy yachts
Bogle and Vanguard have shaped America's financial ecosystem in myriad ways
 "The man who helped investors buy yachts")
Wish to shun market volatility? Go for insurers' assured return plans
Check the return for your age, tenure, and premium variant, and if proceeds will be tax-free
 "Wish to shun market volatility? Go for insurers' assured return plans")
Farm to Fork: Consumers curb discretionary spends to combat inflation
Households are repaying debt and replacing costlier loans with cheaper options; rising costs are taking a toll on ability to save enough
 "Farm to Fork: Consumers curb discretionary spends to combat inflation")
Unable to take duration call? Consider investing in a dynamic bond fund
But these funds can underperform if the fund manager's calls go wrong
 "Unable to take duration call? Consider investing in a dynamic bond fund")