 "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 40 - Sanjay Kumar Singh
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")
Should you defer real estate purchase until regulator is in place?
Those looking to take advantage of current market conditions should buy only after conducting due-diligence
 "Should you defer real estate purchase until regulator is in place?")
Cut valuation risk in your portfolio
With stock prices at elevated levels, investors need to promptly rebalance their portfolios
 "Cut valuation risk in your portfolio")
Avoid hard knocks in equities with dynamic funds
Give Motilal Oswal AMC's dynamic equity fund time to develop track record before you invest in it
 "Avoid hard knocks in equities with dynamic funds")
Mis-selling: You are on your own
While regulators are trying to do their bit, the onus is on you to prove it
 "Mis-selling: You are on your own")
Don't let high agent churn hurt you
While the company may send an alert, the onus is on the customer to ensure timely payments
 "Don't let high agent churn hurt you")
Many choices make NPS complicated
Both debt and equity can be allocated in different proportions depending on your age and risk profile
Closed-end funds give fund managers time to perform
In the absence of redemption pressures, they can pick multi-baggers . But, investors have to reconcile themselves to lower liquidity
 "Closed-end funds give fund managers time to perform")
Fast-track your savings for retirement
If you are in your 40s and not saving enough, here are a few ways to set it right
Rally in gold may continue
There may be further upside, as negative real interest rates in developed world unlikely to end soon
 "Rally in gold may continue")