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 24 - Sanjay Kumar Singh
Go long to make the most of strong run in the small-cap fund category
Allocate 10-15% to these funds for a 10-year period, don't just rely on history
 "Go long to make the most of strong run in the small-cap fund category")
Be mindful of sub-limits on mental illnesses in your insurance cover
OPD covers compensate for counselling sessions, but these always have a sub-limit
 "Be mindful of sub-limits on mental illnesses in your insurance cover")
Cash-strapped patients with Covid-19 infection can consider loans
In a health emergency, speed of disbursement is more important than cost
 "Cash-strapped patients with Covid-19 infection can consider loans")
What you should do to soften the blow of second Covid wave on your finances
This is a time to focus not on maximising upside gains but curtailing downside risks
 "What you should do to soften the blow of second Covid wave on your finances")
Opt for fixed maturity plan if you need discipline of a lock-in: Experts
FMPs allow investors to lock into current yields. The scheme information document indicates the fund's allocation to instruments of various credit ratings
 "Opt for fixed maturity plan if you need discipline of a lock-in: Experts")
Low sum insured, sub-limits give rise to partial payouts: Experts
Supplement a policy with a substantial emergency corpus
 "Low sum insured, sub-limits give rise to partial payouts: Experts")
E-wallets are similar to bank accounts, but more convenient: Experts
Will help those who can't ensure minimum balance
 "E-wallets are similar to bank accounts, but more convenient: Experts")
Hike in NPS investment management fee need not be a deterrent: Experts
Invest if you want tax benefit and are okay with long lock-in and 40% annuitisation
 "Hike in NPS investment management fee need not be a deterrent: Experts")
On second thoughts
Book review of Think again: The Power of Knowing What you Don't Know
 "On second thoughts")
Move quickly and lock into current small-saving rates wherever you can
However, do so only if your asset allocation requires you to invest more on the debt side, and you are comfortable with the long lock-in
 "Move quickly and lock into current small-saving rates wherever you can")
To generate alpha, investors should opt for factor-based funds: Experts
As they have a short history, take only a small exposure to these funds initially in your satellite portfolio
 "To generate alpha, investors should opt for factor-based funds: Experts")
Returns from equities likely to be lower in FY22, say market experts
Advise sticking to shorter duration debt funds and using correction for accumulating gold
 "Returns from equities likely to be lower in FY22, say market experts")
Govt cuts interest rates on small savings schemes effective from April 1
The rate of interest on PPF has declined from 7.1 per cent earlier to 6.4 per cent now
 "Govt cuts interest rates on small savings schemes effective from April 1")
Enter constant maturity gilt ETFs with 5-year plan, say analysts
Conservative investors looking to lock in returns should opt for target maturity ETFs/index funds
Rejig wage structure to benefit from EPF rule change, say analysts
If employer contribution is low, get salary restructured to enjoy higher tax-free interest
 "Rejig wage structure to benefit from EPF rule change, say analysts")
Health insurance claim rejection: Insurers may turn more cautious
Onus may now shift to them to justify rejection after Irdai's circular
 "Health insurance claim rejection: Insurers may turn more cautious")
Fractional ownership is for deep-pocketed investors, say analysts
Most retail investors will be better off opting for a REIT
 "Fractional ownership is for deep-pocketed investors, say analysts")
Rich but not ultra? Even you can now invest in grade A commercial property
Fractional ownership platforms give you access to this coveted asset class if you have Rs 25 lakh to spare
 "Rich but not ultra? Even you can now invest in grade A commercial property")
Secured loans may help you tackle tighter credit norms, say experts
Presence of collateral allows lenders to relax their criteria while sanctioning of these loans
 "Secured loans may help you tackle tighter credit norms, say experts")
Multiple benefits of deferred annuities: How you can choose the right one
Savvy investors can expect to earn better returns by investing in alternatives
 "Multiple benefits of deferred annuities: How you can choose the right one")