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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Update details to link PAN and Aadhaar, mismatch leads to failure
Difference of even a single alphabet in the names given means linking won't happen
 "Update details to link PAN and Aadhaar, mismatch leads to failure")
Data breach: Get proactive about security
With the existing laws tilted in favour of companies, it's tough for individuals to get compensation
 "Data breach: Get proactive about security")
Low-volatility ETF can be part of your core portfolio
But investors should wait until ICICI Pru's new smart-beta offering develops a track record
 "Low-volatility ETF can be part of your core portfolio")
Take your business online smoothly
E-commerce enablers help you enhance footprint by creating websites, integrated payment gateways
 "Take your business online smoothly")
First-time equity investors should bet cautiously
Excessive allocation to equities, or to mid and small-cap segment within it can cost you dearly
 "First-time equity investors should bet cautiously")
If your fund's turnover ratio is too high, watch out
Go with fund managers who are able to produce good returns with a relatively low turnover
 "If your fund's turnover ratio is too high, watch out")
Large cash positions for long can affect fund's performance
Fund managers holding over 10% cash for a short period are looking for suitable opportunities
 "Large cash positions for long can affect fund's performance")
Lower stamp duty will promote house ownership
On purchase of property worth Rs 50 lakh, the buyer would have to pay Rs 4.3 lakh
 "Lower stamp duty will promote house ownership")
Housing to seeding Aadhaar: Check out EPFO's customer-friendly initiatives
Seed Aadhaar account and bank details with EPFO and you can make all applications online
 "Housing to seeding Aadhaar: Check out EPFO's customer-friendly initiatives")
Data tracker: What SIPs have fetched over the past decade
Many diversified equity funds have given annualised returns of 14 per cent and above
 "Data tracker: What SIPs have fetched over the past decade")
Booking a room last minute? Get hefty discounts with hotel booking apps
You can get a discount of 25% or more and stay in a hotel room
 "Booking a room last minute? Get hefty discounts with hotel booking apps")
Your money: Make a small start in CPSE ETF
With the ETF giving exceptional returns in the past year, buy more in a staggered manner
 "Your money: Make a small start in CPSE ETF")
Your Money: Move into shorter-duration debt funds
As the rate cut cycle over for now, investors bet largely on funds for duration not exceed 3-4 yrs
 "Your Money: Move into shorter-duration debt funds")
Check out Canada, Australia: Look beyond US for higher education options
Students and IT workers are worried that changes in the US could turn sour
 "Check out Canada, Australia: Look beyond US for higher education options")
Reduce your trading costs with discount brokers
Lower brokerage fee and speedy execution of trades are reasons why you should use these services
 "Reduce your trading costs with discount brokers")
Your Money: Reduce risk in MF portfolio
Don't go overboard on mid-cap funds as volatility is expected in the first half of 2017
 "Your Money: Reduce risk in MF portfolio")
Demonetisation blues: Turmoil in realty, gold loses sheen, markets hit hard
Expect more volatility in the coming year as the economy and markets price in demonetisation drive
 "Demonetisation blues: Turmoil in realty, gold loses sheen, markets hit hard")
Your Money: Central govt staff can now choose fund managers
Employees can opt for equity allocation they want, will need to review their portfolio once a year
 "Your Money: Central govt staff can now choose fund managers")
Your Money: Diversify market and currency risk with US funds
Investors with adequate exposure to Indian equities should invest in US funds to avoid the risk of being exposed only to the Indian market
 "Your Money: Diversify market and currency risk with US funds")
Even at 8.65%, EPF rate is more atractive than most bank FDs
The decision to cut rate by 15 basis points shouldn't deter investors as it's still higher than other fixed instruments
 "Even at 8.65%, EPF rate is more atractive than most bank FDs")