 "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 9 - Sanjay Kumar Singh
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")
Exit small, midcap funds if risk appetite low and time horizon short
Those having considerable amounts of both should rebalance and stay put
 "Exit small, midcap funds if risk appetite low and time horizon short")
Make your retirement portfolio last longer, withdraw funds conservatively
A recent study suggests a withdrawal rate of 3-3.5%, but financial advisors suggest erring on the side of caution
 "Make your retirement portfolio last longer, withdraw funds conservatively")
Growing roses in concrete
Can people build on skills that are not immediately apparent? Wharton School professor Adam Grant weighs in on the nature vs nurture debate in his book, providing some definitive answers
 "Growing roses in concrete")
Opt for loan apps that have partnered reputable regulated entities
The app must be featured on that entity's website and in RBI's whitelist
 "Opt for loan apps that have partnered reputable regulated entities")
Optimal time to book profits in PSU funds: Will the rally continue?
High valuations, limited earnings upgrade prospects warrant caution
 "Optimal time to book profits in PSU funds: Will the rally continue?")
KYC compliance: Time consuming, repetitive but critical for your safety
Update your documents regularly so that you are able to fulfil KYC demands seamlessly
 "KYC compliance: Time consuming, repetitive but critical for your safety")
P2P lending is risky; investors must diversify their borrower profiles
Lenders get the benefit of monthly cash flows and control, but they must avoid platforms promising high returns
 "P2P lending is risky; investors must diversify their borrower profiles")
Paytm fiasco: Merchants must onboard alternative provider for UPI payments
Long-term, fundamentals-oriented investors should stay away from its stock for now
 "Paytm fiasco: Merchants must onboard alternative provider for UPI payments")
Existing investors: Rebalance US equity funds portfolio, avoid exiting mkt
New investors should look beyond one-year data; enter via SIP route with a seven-year horizon
 "Existing investors: Rebalance US equity funds portfolio, avoid exiting mkt")
Income after retirement: Risks and rewards of deferred annuity plans
Allocate just enough to generate a basic retirement income; over-investing in this illiquid product can backfire
 "Income after retirement: Risks and rewards of deferred annuity plans")
High-value home loans: Enhance your credit score to boost eligibility
Engage a property lawyer to carry out title and other checks for smooth approval
 "High-value home loans: Enhance your credit score to boost eligibility")
Under-construction or ready-to-move-in house: How to make a choice
Regard the lower price of an under-construction property as compensation for betting on a riskier asset
Don't fret over the index valuations and take stock-specific calls
Meanwhile, news reports suggest the Securities and Exchange Board of India (Sebi) is in discussions with the mutual fund industry to carry out a comprehensive stress test of equity funds
 "Don't fret over the index valuations and take stock-specific calls")
Financial goal to liquidity need: What to get from tax-saving investments
Ensure they are also in sync with your investment horizon and liquidity requirements
 "Financial goal to liquidity need: What to get from tax-saving investments")
Floating-rate funds: Market experts call for wait-and-watch approach
Investors should take the change of stance as a cue to exit
 "Floating-rate funds: Market experts call for wait-and-watch approach")
An antidote to bear market pessimism
The author of The Joy of Compounding has come up with another essential reading for all investors keen to master a strategy for navigating through severe bear markets
 "An antidote to bear market pessimism")
SSY: Invest for its high and tax-free return with zero credit risk
Only parents of a girl child who do not mind the long lock-in should go for it
 "SSY: Invest for its high and tax-free return with zero credit risk")
Hurdles and solutions: What self-employed should do to get term insurance
Sum insured should be equivalent to 10-15 times income and the cover should extend until financial liabilities have been settled
 "Hurdles and solutions: What self-employed should do to get term insurance")
Invest in longer-duration funds to gain from anticipated rate cuts
But avoid going overboard with exposure as unforeseen events could prevent inflation from softening
 "Invest in longer-duration funds to gain from anticipated rate cuts")