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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Want to lock in current high yields? Why an FMP works better than an FD
However, with so many companies facing credit-related issues, opt only for portfolios where the bulk of securities have AA and above ratings
 "Want to lock in current high yields? Why an FMP works better than an FD")
Enhance insurance coverage, beat medical inflation with a super top-up
When buying a TU/STU, consider the insurer's brand strength, claim settlement ratio, and product features
 "Enhance insurance coverage, beat medical inflation with a super top-up")
Buying insurance from car dealer is costlier, consider getting it online
Before buying, compare premiums online, and opt only for those add-ons that you need
 "Buying insurance from car dealer is costlier, consider getting it online")
RBI monetary policy: Will your home loan EMI fall due to rate cut?
New borrowers will benefit if banks cut their MCLR. Older borrowers' EMIs will change only when their reset date arrives
 "RBI monetary policy: Will your home loan EMI fall due to rate cut?")
Investing in gold? Amid uncertainty, stagger purchases and buy on declines
Averaging out your purchase cost will be a better strategy than trying to time your entry
 "Investing in gold? Amid uncertainty, stagger purchases and buy on declines")
Buying health insurance? Look up these key numbers before choosing a plan
Comparing insurers on parameters like incurred claims ratio and claim settlement ratio can help you make a better choice
 "Buying health insurance? Look up these key numbers before choosing a plan")
Zee stock crash shows why you should avoid firms with high pledged shares
A decline in stock price, due to rumours of impending default, can trigger a big selloff
 "Zee stock crash shows why you should avoid firms with high pledged shares")
Make long-term bets on real estate, pick firms with strong brands, low debt
If you are convinced the sector has more positives than negatives, then stick to companies with a strong balance sheet, brand and good execution record
 "Make long-term bets on real estate, pick firms with strong brands, low debt")
Picking the right product to save on taxes and meet your long-term goals
With the time for submitting proof of investments barely a fortnight away, here's a look at key criteria you should employ when selecting tax-saving instruments like ELSS, term and health cover
 "Picking the right product to save on taxes and meet your long-term goals")
Do not exit debt funds hit by IL&FS events as resolution may happen soon
Fund houses still haven't used the side-pocketing option
 "Do not exit debt funds hit by IL&FS events as resolution may happen soon")
Creating the calm corporation
By making the right choices, it is possible to build a company that is perhaps less ambitious, but is profitable, gentler on its employees, and true to its customers
New Sebi norms limit risk in passive funds, but higher costs anticipated
The purpose of the new rules is to ensure that passive funds remain adequately diversified
 "New Sebi norms limit risk in passive funds, but higher costs anticipated")
Why women must get proper insurance cover, even if they are not employed
In life insurance, ensure flexibility so that coverage can be reduced when circumstances require doing so
 "Why women must get proper insurance cover, even if they are not employed")
Tokenisation to make your credit, debit card transactions a lot safer
Tokenisation feature will protect card data in transit, but not before and after
 "Tokenisation to make your credit, debit card transactions a lot safer")
Planning to take a car loan? Here're the rates and charges offered by banks
Increasing the loan tenure reduces EMI burden but enhances interest outgo
 "Planning to take a car loan? Here're the rates and charges offered by banks")
Investing in airline stocks? Be nimble, take small bets, say experts
With crude oil falling to $57 per barrel, and oil companies cutting prices of aviation turbine fuel (ATF) by 14.7 per cent in January, it would seem like a ripe time to buy these stocks
 "Investing in airline stocks? Be nimble, take small bets, say experts")
Buy debt ETF for low-cost advantage, but ensure that portfolio is liquid
ETFs also offer greater price flexibility. An investor can buy or sell them any time during the trading hours
 "Buy debt ETF for low-cost advantage, but ensure that portfolio is liquid")
Shift 25% large-cap allocation to ETFs and choose consistent performers
Even over the longer term, active fund managers have found it difficult to outperform their benchmarks
 "Shift 25% large-cap allocation to ETFs and choose consistent performers")
Bigger retirement kitty for central govt employees along with tax benefits
Central government employees will now have the freedom to choose their pension fund managers
 "Bigger retirement kitty for central govt employees along with tax benefits")
Reforms to make motor insurance policies costlier, but that's good news
After the latest regulatory changes, customers should compare expenses and features more diligently before purchasing motor vehicle insurance