Page 35 - Sanjay Kumar Singh

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

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

Tokenisation to make your credit, debit card transactions a lot safer

Tokenisation feature will protect card data in transit, but not before and after

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

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

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

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

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

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

Don't go by credit rating alone, consider default analysis, performances

Look up performance parameters: Investors should look up a metric called credit default analysis, available on rating agencies' websites, to compare performance vis-a-vis their peers

Follow sound security practices to avoid falling prey to crypto jacking

Avoid downloading free content, keep your software updated, and seek a cyber security expert's advice if your computer slows down excessively

Don't be shy of shifting lenders if you see a significant benefit

Old customers should seek best rates, or go for balance transfer

Keep SIPs going in equity funds, stick to long investment horizon

Investors who until now were riding the momentum in the markets should watch out

Home loan rate hike: Beat the rise with balance transfer and prepayment

Shift to a home loan provider offering a lower interest rate; use bonuses, other windfalls to reduce principal outstanding

Why retail investors should diversify their portfolio and limit risky bets

The restrictions that Sebi plans to bring in are meant to curb such leveraged trading

Following ace investors is a good idea, but don't always ape their bets

There is much to learn from their investing philosophies. However, they have much deeper pockets and take many more chances than you can

Foreign-bound for travel or studies? Get set to shell out as rupee falls

With the rupee slipping to nearly Rs70 per dollar on Tuesday, most parents with children in the US will feel the pinch

Auditor certificate must for deposit-taking firms to ensure investor safety

While this move by the Ministry of Corporate Affairs is a positive one, retail investors should run a few more checks of their own before investing in a company's fixed deposit

Rising trade tensions could breathe new life into the yellow metal

With the escalating US-China trade war, rising euro-scepticism in Italy, and possibility of global economic recovery faltering, investors must have an exposure to gold