 "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 36 - Sanjay Kumar Singh
Deadline extended to March 31: How to link Aadhaar to financial instruments
The Supreme Court on Friday extended all deadlines of Aadhaar linkages to March 31, 2018
 "Deadline extended to March 31: How to link Aadhaar to financial instruments")
Keep a close eye on credit quality, financials of NBFCs before investing
These instruments should not constitute more than 15-20% of your debt portfolio
 "Keep a close eye on credit quality, financials of NBFCs before investing")
China, Spain are emerging as hotspots for Indian students at US expense
In the US, Trump's policy of 'America for Americans first' is making the environment less welcoming for international students
 "China, Spain are emerging as hotspots for Indian students at US expense")
NPS funds: Restrict investment to Rs 50,000 for tax benefits, say experts
But taxation at maturity and compulsory annuities are dampers
 "NPS funds: Restrict investment to Rs 50,000 for tax benefits, say experts")
Borrow with margin of safety, EMIs shouldn't exceed 35% of net income
Self-employed borrowers' EMIs should not exceed 35 per cent of their net income and they should also create a contingency fund to deal with income volatility
 "Borrow with margin of safety, EMIs shouldn't exceed 35% of net income")
How to ride out volatility in FY19: Don't tinker much with your portfolio
FY19 might be a tough year, as key asset classes aren't providing much comfort. It's best not to tinker too much with your portfolio because of uncertainty
 "How to ride out volatility in FY19: Don't tinker much with your portfolio")
Citibank launches home loan product linked to an external benchmark
Citibank's new home loan will be benchmarked to the three-month treasury-bill rate
 "Citibank launches home loan product linked to an external benchmark")
Even after 10 bps cut, EPF is still the best small savings option
At 8.55 per cent interest rate, the EPFO will retain a surplus of Rs 8.5 billion
 "Even after 10 bps cut, EPF is still the best small savings option")
Raise equity allocation if you have the risk appetite
PFRDA's proposal to raise equity exposure in the active-choice option of NPS will benefit young investors, provided they can stomach higher volatility
 "Raise equity allocation if you have the risk appetite")
Linking base rate to MCLR may not be good enough
Customers should still consider shifting to the best MCLR-linked home loan rate available
 "Linking base rate to MCLR may not be good enough")
Budget 2018: What Standard deduction and tax on dividend mean for you
In this Budget, a 10 per cent tax has been imposed on the dividend paid by equity mutual funds. Earlier, the dividend was tax-free in the hands of the individual investor.
 "Budget 2018: What Standard deduction and tax on dividend mean for you")
Investing in bitcoins? Exercise caution until regulatory cloud blows over
Limit your investment in cryptocurrencies and make sure to have your current holdings in your own custody
 "Investing in bitcoins? Exercise caution until regulatory cloud blows over")
Newbies in small and mid-cap space should invest for at least five years
With fund managers beginning to sound warning signals, it is best to be extra careful
 "Newbies in small and mid-cap space should invest for at least five years")
Buying a house? Keep an eye on your bank's marginal cost of lending rate
Check if you are on the best possible loan rate and also make part prepayment to counter the rise in interest rate
 "Buying a house? Keep an eye on your bank's marginal cost of lending rate")
Sensex at 35,000: Existing investors should take some profit off the table
Book profits, wait for opportunities and, in general, have fun while the going is good
 "Sensex at 35,000: Existing investors should take some profit off the table")
Don't dump your fund in haste even if it underperforms in short-term
Your fund may have underperformed in 2017 because the fund manager was avoiding momentum and overvalued stocks
 "Don't dump your fund in haste even if it underperforms in short-term")
Use advisor for comprehensive planning
Those who have a simple financial objective or only a small sum to invest may go with a mutual fund distributor
 "Use advisor for comprehensive planning")
Cheap, effective and unobtrustive: Try nasofilter to beat air pollution
If you have been using a face mask to combat pollution and find it bothersome, try the newly launched nasofilter
 "Cheap, effective and unobtrustive: Try nasofilter to beat air pollution")
Give your fund manager time to ride out current volatility
If your dynamic bond fund manager is still maintaining a high average maturity despite the recent spike in interest rates, it is because he expects rates to ease
 "Give your fund manager time to ride out current volatility")
Existing investors may hold on to dynamic bond funds
New investors should opt largely for accrual-oriented funds which don't bet on interest rate movements
 "Existing investors may hold on to dynamic bond funds")