 "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 8 - Sanjay Kumar Singh
New mutual fund investors: Set goals and assess your risk profile
Knowing these parameters will allow you to determine the optimal asset allocation, essential for building a portfolio
 "New mutual fund investors: Set goals and assess your risk profile")
Check issuer's finances, debt repayment record before investing in bonds
Diversify across bonds with different credit ratings and hold them till maturity
 "Check issuer's finances, debt repayment record before investing in bonds")
Sector & thematic funds: Prospects, not past returns, should be your guide
Monitor these funds closely and be quick to exit, instead of trying to chase the last rupee
 "Sector & thematic funds: Prospects, not past returns, should be your guide")
Insurers receptive to covering chronic ailments, declare PEDs honestly
By paying extra premium, you can reduce waiting period for pre-existing conditions to even one day
 "Insurers receptive to covering chronic ailments, declare PEDs honestly")
Door opens for senior citizens to get health insurance: What they should do
Seniors must strike a balance between premium and co-pay; too low a premium could mean high co-pay, which would pinch at the time of claim settlement
 "Door opens for senior citizens to get health insurance: What they should do")
Amid varied risk levels, review portfolio before choosing credit risk fund
Only investors with high risk appetite should opt for them; limit allocation to 5-10%
 "Amid varied risk levels, review portfolio before choosing credit risk fund")
Top-up home loans work best when repaid quickly; avoid overleveraging
Avoid overleveraging or using these funds to finance non-essential lifestyle expenses
 "Top-up home loans work best when repaid quickly; avoid overleveraging")
Investors betting on longer-duration debt funds need to be patient
Experts say while rate cuts remain on the table, their start is likely to be delayed
 "Investors betting on longer-duration debt funds need to be patient")
Early in the tenure of non-linked policy you don't like? Surrender it
But if you have held it for long, run the numbers; continuing may be prudent
 "Early in the tenure of non-linked policy you don't like? Surrender it")
The paradoxical freedom of living by the clock
Anyone who feels they lack a firm grip on their day should read Marc Zao-Sanders' Timeboxing and adopt its tenets
 "The paradoxical freedom of living by the clock")
More dependants, increased liabilities should prompt hike in term cover
Boost health coverage periodically to cope with double-digit medical inflation & access premium healthcare facilities
 "More dependants, increased liabilities should prompt hike in term cover")
Experts suggest to keep low-cost Nifty 50 index fund at core of portfolio
If risk appetite permits, consider active midcap and smallcap funds, and factor funds in satellite portfolio
 "Experts suggest to keep low-cost Nifty 50 index fund at core of portfolio")
Selecting a REIT: Factor in capital gains and dividend payouts
The Indian REITs Association, a newly formed umbrella body, has meanwhile requested Sebi to classify REITs as equities and petitioned RBI to allow banks to lend to REITs
 "Selecting a REIT: Factor in capital gains and dividend payouts")
The financial year is ending: Here is what you must do for your investments
Avoid triggering taxation during portfolio rebalancing by buying more of underperforming asset class
 "The financial year is ending: Here is what you must do for your investments")
Long-duration funds: 6-12 months for tactical, 10+ years for long term
Those with a medium-term horizon run the risk of getting caught in a rising rate cycle
Reduce liquidity risk in smallcap, midcap funds with asset allocation
While the bulk of midcap funds that have declared their results will be able to liquidate 25 per cent of their portfolio within three days, only about half of the smallcap funds would be able to do so
Investor should rebalance portfolio after surge in value fund returns
Investors must blend growth and value styles, enter with minimum five-year horizon
 "Investor should rebalance portfolio after surge in value fund returns")
Long lock-in, but safe investment: What NPS can do for your financial goals
NPS is an excellent product for retirement planning, provided you stay put till maturity
 "Long lock-in, but safe investment: What NPS can do for your financial goals")
Yellow metal: Commit to minimum 7-year horizon after rally in gold
Buy in a staggered manner; rebalance if allocation exceeds 15%
 "Yellow metal: Commit to minimum 7-year horizon after rally in gold")
Why women's retirement, financial planning must differ from men's
Save diligently to counter the impact of career breaks, establish emergency fund to avoid touching the retirement portfolio
 "Why women's retirement, financial planning must differ from men's")