 "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 37 - Sanjay Kumar Singh
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")
Don't wait for real estate prices to fall further
Realty experts say you should buy at the current prices rather than wait
 "Don't wait for real estate prices to fall further")
Invest 5-10% in a banking sector fund
Ensure that mutual fund's portfolio includes all three players -private sector banks, public sector banks and NBFCs
 "Invest 5-10% in a banking sector fund")
Passive investing in EPF may be soon over
If the changes being considered by the EPFO become a reality, investors may have to be more active in deciding equity preference and when to withdraw money
 "Passive investing in EPF may be soon over")
Higher returns in credit funds come with higher risks
Investing in such funds requires more research from the investor. Always look at the quality of the portfolio before investing
 "Higher returns in credit funds come with higher risks")
What's on sale this festival season? Banks, builders offering good deals
Offers from banks: Waiver of up to 100% on loan processing fee, cash back on card usage
 "What's on sale this festival season? Banks, builders offering good deals")
Mutual Funds: Enjoy higher gains in direct plans
Direct plan vs regular plan: Difference in returns can be higher than that of their expense ratios
 "Mutual Funds: Enjoy higher gains in direct plans")
Home loans need a more stable benchmark
Household Finance Committee provides suggestions on how participation of households can be enhanced
 "Home loans need a more stable benchmark")
Minimise card frauds abroad by disabling the option
If the transaction goes through, approach the bank immediately with details
 "Minimise card frauds abroad by disabling the option")
Don't spread your investments too thin
Consolidation of schemes can be both costly & slow. Nonetheless, bite the bullet to improve returns
 "Don't spread your investments too thin")
Do meet the extended deadline of August 5 for filing ITR
Only those who file it can revise returns, carry forward losses, avoid interest on unpaid taxes
 "Do meet the extended deadline of August 5 for filing ITR")
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")