 "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 29 - Sanjay Kumar Singh
Persuading without coercion
Instead of pressing harder on the accelerator, Mr Berger advises removing the parking brake and wheel chocks
 "Persuading without coercion")
New to investing? Bet only a small part of your surplus directly in stocks
The bulk of your money should be invested via mutual funds and low-cost passive funds
 "New to investing? Bet only a small part of your surplus directly in stocks")
Protection stocks offer opportunity; opt for insurance and gold finance cos
Quality stocks in banking and financial services sector are still available at attractive valuations
 "Protection stocks offer opportunity; opt for insurance and gold finance cos")
Investment in sovereign-backed bonds: Be prepared for rate changes
You can invest as much as you like in these bonds, but they are subject to rate changes
 "Investment in sovereign-backed bonds: Be prepared for rate changes")
Planning to buy term insurance? Purchase before premium rises again
Ignoring it isn't an option for those who have liabilities or dependants
Interest rates to processing fee, RBI brings relief for loan app borrowers
The new rule book should bring down interest rates and improve recovery methods
 "Interest rates to processing fee, RBI brings relief for loan app borrowers")
Planning to invest? Don't rely only on gold-silver ratio, say analysts
Take into account the fundamental factors driving demand before deciding to shift from gold to silver
 "Planning to invest? Don't rely only on gold-silver ratio, say analysts")
Sudden spike in bond yield amid coronavirus outbreak signals trouble
Also, watch out for a company raising money at a very high rate of interest
 "Sudden spike in bond yield amid coronavirus outbreak signals trouble")
Opt for monthly payment of term premiums as insurers get set to hike rates
Some insurers have already started increasing premiums, and others are expected to do so in the next six months
Covid-19 outbreak: Update insurance, tax and KYCs amid lockdown 4.0
Utilise the relaxed phase to complete unfinished tasks on personal finance agenda
 "Covid-19 outbreak: Update insurance, tax and KYCs amid lockdown 4.0")
Need emergency money? Easy access makes personal loans attractive
Here is how the personal loan rates offered by various banks stack up
 "Need emergency money? Easy access makes personal loans attractive")
Contactless cards may come in handy amid Covid-19, but there is risk
However, one has to be cautious, as electronic pickpocketing is catching up
 "Contactless cards may come in handy amid Covid-19, but there is risk")
Tips to get loans and tide over a cash crisis in these difficult times
You are more likely to get one from a bank with which you already have a relationship
Don't chase higher yields, avoid risk and stick to safer categories
Stick to solid banks and shun both credit and duration risk in debt funds
 "Don't chase higher yields, avoid risk and stick to safer categories")
How foreign assets in your portfolio can protect it from volatility
The Indian economy and markets, for instance, tend to be hit hard by high oil prices
 "How foreign assets in your portfolio can protect it from volatility")
Existing investors must book partial profits in gold to cut portfolio risks
New ones should build their allocation gradually upon corrections
 "Existing investors must book partial profits in gold to cut portfolio risks")
Pausing SIP set to become simpler; more fund houses to offer option
Many fund houses don't yet offer the pause facility but are scrambling to put one in place for investors
 "Pausing SIP set to become simpler; more fund houses to offer option")
Arbitrage funds give liquid-plus returns at low risk if held for long term
Post-tax returns are likely to be higher if you hold these funds for a year
 "Arbitrage funds give liquid-plus returns at low risk if held for long term")
Working from home? HR experts offer a few tips on staying productive
You will have to revamp both your work practices and technology tools to stay as productive working from home as you are at the office
 "Working from home? HR experts offer a few tips on staying productive")
Don't respond to the global rout by selling your foreign equity investments
The logic of geographical diversification of portfolio remains valid even today
 "Don't respond to the global rout by selling your foreign equity investments")