 "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 35 - Sanjay Kumar Singh
Enter gold bonds only if you have at least a 5-year investment horizon
If you wish to pick only small amounts, go discount hunting in the secondary market
 "Enter gold bonds only if you have at least a 5-year investment horizon")
SBI's new home loan product is transparent, but volatile in nature
The repo rate is usually revised during RBI's credit policy announcements, which takes place every two months
 "SBI's new home loan product is transparent, but volatile in nature")
Why intellectual humility pays
We humans have a well-documented tendency to overestimate our prowess at different activities
 "Why intellectual humility pays")
Exit or hold? What you should do if your mutual fund is exposed to DHFL
Take a call to stay put or opt our based on whether you think the company will be able to find a strategic investor
 "Exit or hold? What you should do if your mutual fund is exposed to DHFL")
Shift balance of debt funds in favour of higher credit-quality portfolios
Steps to improve liquidity may mitigate credit risk. Nonetheless, avoid lower-rated portfolios
 "Shift balance of debt funds in favour of higher credit-quality portfolios")
Looking to invest in MNC funds? Weigh risks properly before doing so
This category, however, tends to underperform when the market favours growth, high-beta or cyclical stocks
 "Looking to invest in MNC funds? Weigh risks properly before doing so")
Is your investment advisor cheating you? File your complaints on SCORES
Be wary of anyone who does not do risk-profiling and starts pushing investment products at you
 "Is your investment advisor cheating you? File your complaints on SCORES")
Evaluate investment opportunities in fast-growing tier-II and III cities
The key for real estate investors is to evaluate whether employment opportunities will grow, and infrastructure projects will be implemented
 "Evaluate investment opportunities in fast-growing tier-II and III cities")
Ride the economic growth theme with banking and financial sector funds
Any credit event could pose a risk to this sector
 "Ride the economic growth theme with banking and financial sector funds")
Investors should stick to gold-linked instruments for transparent pricing
Pricing is more transparent and some even pay interest regularly
 "Investors should stick to gold-linked instruments for transparent pricing")
Elections over, now stick to stocks witnessing recovery in earnings growth
For most retail investors, who also hold a day job, punting on such events as exit polls and election results can be risky
 "Elections over, now stick to stocks witnessing recovery in earnings growth")
Investors should wait for Lok Sabha election results before taking a call
Retail investors also find themselves in a sweet spot after the 2,000-point rally in the last two trading sessions
Existing investors in consumption-oriented funds should stay for long term
Enter when valuations turn more attractive
 "Existing investors in consumption-oriented funds should stay for long term")
Even if it ain't broken, fix it
The authors examine nine widespread corporate beliefs and practices, reveal their flaws, and offer alternative approaches
 "Even if it ain't broken, fix it")
Debt funds can beat fixed deposits on post-tax returns, says expert
While recent events have dented confidence, investors should not avoid debt funds altogether
 "Debt funds can beat fixed deposits on post-tax returns, says expert")
SBI's new interest rate plan brings more transparency but is more volatile
SBI customers will need to be alert to changes in interest rates of savings account and overdraft facility
 "SBI's new interest rate plan brings more transparency but is more volatile")
Before investing in Morningstar's PMS, take a close look at cost structure
Outsource your asset allocation and fund selection worries
 "Before investing in Morningstar's PMS, take a close look at cost structure")
New-age solutions for young workers seeking a rental house in a new city
Young graduates moving to new cities for their first jobs should consider alternatives like co-living spaces to avoid the pitfalls of the traditional rental housing market
 "New-age solutions for young workers seeking a rental house in a new city")
Slowing global growth could make gold a good bet: Accumulate on corrections
The dovish attitude of major central banks could provide a fillip to the yellow metal
 "Slowing global growth could make gold a good bet: Accumulate on corrections")
Looking for a stockbroker? Don't go just by price, look for value
With more players moving towards lower commissions, choose a broker based on the quality of the platform and user feedback
 "Looking for a stockbroker? Don't go just by price, look for value")