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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Stay away from concentration risk
Knowledgeable investors may take concentrated bets, while others should remain diversified
 "Stay away from concentration risk")
'EPFO settling death claims in 7 days will reduce relatives' ordeal'
All field offices have been directed by Central PF Commissioner to make special arrangements to meet this deadline
 "'EPFO settling death claims in 7 days will reduce relatives' ordeal'")
HDFC Top 200 to Reliance Growth, here is a list of the top wealth creating funds
The long-term track record of some leading ones confirms that high-quality equity funds can generate massive wealth for patient investors
 "HDFC Top 200 to Reliance Growth, here is a list of the top wealth creating funds")
Beware of fake currency notes
Economists say that there is a need for the RBI to launch a massive educational campaign on how to identify counterfeit notes
 "Beware of fake currency notes")
Gold bonds will score over ETFs
Invest in these for the long term; a Fed rate hike and an import duty cut by the government could trigger a correction in the next few months
 "Gold bonds will score over ETFs")
Yellow metal is off its high, should you invest in gold bonds right now?
In the short term, a possible Fed rate hike and an import duty cut by the government could trigger a correction
 "Yellow metal is off its high, should you invest in gold bonds right now?")
From cloning to ATM passwords, learn how to save yourself from debit card frauds
With cyber criminals becoming savvier by the day, learning how to safeguard yourself is imperative
 "From cloning to ATM passwords, learn how to save yourself from debit card frauds")
Get rewarded for good behaviour
Banks and insurers are beginning to reward customers who show exemplary conduct with lower prices and penalise those who behave poorly by imposing higher costs
 "Get rewarded for good behaviour")
Sebi blow for MF distribution biz
Regulator's consultation paper suggests segregation of advisory function from distribution
 "Sebi blow for MF distribution biz")
Weigh pros and cons of benefit-based products
While premium of these policies is constant, you could be left without a cover once their term expires
 "Weigh pros and cons of benefit-based products")
Smart moves in a falling interest rate regime
Shift to cheaper loans and look at dynamic funds
 "Smart moves in a falling interest rate regime")
Balanced funds aren't risk-free
Exposure to equities, especially to mid- and small-cap stocks, and also from holding higher-duration bonds can sometimes turn the tables on the investor
 "Balanced funds aren't risk-free")
ESOPs create wealth but can be tricky
To avoid getting taxed twice, hold on to the stocks for at least a year from the date you receive these
 "ESOPs create wealth but can be tricky")
Ensure safety of policies with e-account
While your insurer will help you open an e-insurance account at the time of buying a policy, existing policyholders must do so themselves
 "Ensure safety of policies with e-account")
Focus on product quality, not on offers
Expect lucrative deals from a variety of companies this festival season, but read the fine print carefully before buying anything
 "Focus on product quality, not on offers")
Get money's worth from your distributor
Now that you can view the annual commission you pay to the distributor, make sure they truly earn the fee
 "Get money's worth from your distributor")
Buy property in resale market to eliminate risk of delay
Read the investor-developer agreement carefully before signing the cheque
 "Buy property in resale market to eliminate risk of delay")
Do you have enough health cover?
You need to revise the sum insured periodically to keep pace with medical inflation
 "Do you have enough health cover?")
Stay financially fit after 60
After retirement, the pressure on finances increases in the absence of regular income. Here are a few suggestions to ensure a smooth post-retirement life
 "Stay financially fit after 60")
Start paying for NPS advice
Since there are many and complicated choices, retail investors stand to benefit
 "Start paying for NPS advice")