 "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 25 - Sanjay Kumar Singh
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
 "Enter constant maturity gilt ETFs with 5-year plan, say analysts")
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")
Comparing insurance products difficult? Opt for a standard policy
Evolved buyers with specific needs should go for comprehensive personal accident cover
 "Comparing insurance products difficult? Opt for a standard policy")
Infra funds' performance will hinge on revival in private capex: Experts
After the March 2020 market crash, all the major economies, including India, launched large monetary and fiscal stimulus packages to counter the slowdown
 "Infra funds' performance will hinge on revival in private capex: Experts")
Compare prices across term insurance plans to get best deal: Experts
Increase payment tenure, go for monthly premium to counter hike in term rates
How change spreads, or doesn't
Book review of Change: How to make big things happen
 "How change spreads, or doesn't")
Avoid outsized positions and high leverage to soften blow of trading outage
Losses caused by technical glitches can get magnified due to leverage, hence retail investors who do day trading need to be cautious
 "Avoid outsized positions and high leverage to soften blow of trading outage")
Rising demand, disrupted supply: Platinum breakout rally rides on shortage
Unlike yellow metal, platinum tends to have a positive correlation with equities
 "Rising demand, disrupted supply: Platinum breakout rally rides on shortage")
Policies covering pre-existing diseases from day 1 reduce anxiety
Watch out for limited sum insured in such covers
 "Policies covering pre-existing diseases from day 1 reduce anxiety")
If you want higher returns, and are prepared for volatility, opt for NPS
But be ready for lock-in till the age of 60, volatility, mandatory annuitisation
ELSS funds: Tax benefits and factors to consider before investing
Why should investors invest in ELSS? Is there any down side to investing in ELSS? How should one select the right fund? In this podcast, we discussed how to go go about investing in ELSS funds
 "ELSS funds: Tax benefits and factors to consider before investing")
With ULIP gains now taxable beyond a limit, stick to low-cost policies
Stick to low-cost policies; go with an insurer having a solid track record
 "With ULIP gains now taxable beyond a limit, stick to low-cost policies")
Budget: Relief from double taxation for NRIs' earnings in pension account
So, if a person moves to India and becomes a resident Indian for tax purposes, they get taxed on any income they earn in these accounts
 "Budget: Relief from double taxation for NRIs' earnings in pension account")