 "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.
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Investors should limit cryptocurrency exposure to 2% of corpus: Experts
Investors with low appetite for volatility must avoid it altogether
 "Investors should limit cryptocurrency exposure to 2% of corpus: Experts")
Greater insurance cover or low premium: Strike a balance, say experts
It is advisable to buy a policy that offers more comprehensive coverage
 "Greater insurance cover or low premium: Strike a balance, say experts")
Cyclone Tauktae: Consider Bharat Griha Raksha to shield against calamities
To safeguard your vehicle against a cyclone, supplement a comprehensive motor policy with a couple of add-ons
 "Cyclone Tauktae: Consider Bharat Griha Raksha to shield against calamities")
Unhappy with insurer's response to your Covid claim? Move the ombudsman
If your complaint has merit, the ombudsman, which is decidedly consumer-centric, could rule in your favour
 "Unhappy with insurer's response to your Covid claim? Move the ombudsman")
Returns from healthcare ETFs can be highly cyclical, say analysts
Avoid over 5% exposure and have 5-7 years of investment horizon
 "Returns from healthcare ETFs can be highly cyclical, say analysts")
Not getting personal loan to manage an emergency? Offer collateral
Starting a fixed deposit may make a bank more willing to offer you a credit card
 "Not getting personal loan to manage an emergency? Offer collateral")
Group health insurance cover easier to get if all participate, say experts
The elderly should try to enroll for the group cover provided by their child's employer
 "Group health insurance cover easier to get if all participate, say experts")
Covid-19 second wave: Should you avail of RBI's relief on loan repayment?
If you opt for restructuring, your interest cost will rise and there could be other charges
 "Covid-19 second wave: Should you avail of RBI's relief on loan repayment?")
Home loan: Go with a lender charging lower risk premium, say experts
While benchmark rate can change any time, spread changes only in rare instances
 "Home loan: Go with a lender charging lower risk premium, say experts")
Where beginners in mutual funds should invest in the time of Covid-19
The key is to develop an asset allocation plan and then fill each slot with an appropriate fund
 "Where beginners in mutual funds should invest in the time of Covid-19")
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
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")