 "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 18 - Sanjay Kumar Singh
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")
How should MF investors deal with a stock market correction?
When stock markets correct, investors exit -- thinking he or she would re-enter when it is all over. This is called 'market timing'. This is not recommended, as no one can pull it off consistently
 "How should MF investors deal with a stock market correction?")
Match limited exposure with long investment horizon for small-caps' safety
Such companies tend to be less resilient than their peers: hold only a couple of funds in them and diversify
 "Match limited exposure with long investment horizon for small-caps' safety")
Buy a health policy that covers treatment at home and pays for consumables
Go for cashless treatment where available, as the reimbursement route is more burdensome
Good time to invest in debt funds as portfolio yields rise, say experts
Opt for a mix of shorter-duration, target maturity, and dynamic bond funds
 "Good time to invest in debt funds as portfolio yields rise, say experts")
Avoid sector, thematic funds; stick to diversified equity offerings
Among sector/thematic funds, technology funds are on average down 23.4 per cent year-to-date
 "Avoid sector, thematic funds; stick to diversified equity offerings")
Hitch a ride on a fixed-rate car loan and shield yourself from another hike
But lenders can impose restrictive conditions on prepayment and foreclosure
 "Hitch a ride on a fixed-rate car loan and shield yourself from another hike")
Investors who have a long horizon should wait for crypto prices to recover
Those who don't anything to do with this highly volatile asset class may also throw in the towel
 "Investors who have a long horizon should wait for crypto prices to recover")
Don't lose the plot while buying land: Hire a lawyer to verify legal title
Plots don't age, offer better RoI than apartments
 "Don't lose the plot while buying land: Hire a lawyer to verify legal title")
Don't invest directly in markets if you can't analyse stocks, say experts
Even those who know fundamentals-based investing must subject themselves to periodic reality checks
 "Don't invest directly in markets if you can't analyse stocks, say experts")