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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Capitalise on the industry insight by investing in its sector fund
Choosing such a fund based on recent returns can, however, jeopardise portfolio performance
 "Capitalise on the industry insight by investing in its sector fund")
Equity market dip, Federal Reserve signaling peak rate to boost gold
High oil prices would be detrimental; use any correction to build 5-15% allocation
 "Equity market dip, Federal Reserve signaling peak rate to boost gold")
Peak market strategy: Don't exit equities, keep investing new money
The key is to remain invested; rebalance your portfolio if required as market touches new highs
 "Peak market strategy: Don't exit equities, keep investing new money")
Buy home insurance policy that compensates on reinstatement basis
Revise your sum insured periodically so that it keeps pace with inflation
 "Buy home insurance policy that compensates on reinstatement basis")
Factor in rupee depreciation when planning for child's education goal
Defer foreign travel plan or opt for a destination where the currency impact is less pronounced
 "Factor in rupee depreciation when planning for child's education goal")
As rents rise, here is what you can ask from your landlord for protection
Sign a long-term agreement that should have a reasonable escalation built in and a minimum guaranteed tenure
 "As rents rise, here is what you can ask from your landlord for protection")
The DIY handbook for mutual fund investing
Personal finance columnist Monika Halan's book steers clear of needless complexity and provides knowledge that is useful
 "The DIY handbook for mutual fund investing")
Higher EMI or longer tenure? Go by your financial wherewithal, say experts
Currently, a floating-rate loan appears a better bet than a fixed-rate peer
 "Higher EMI or longer tenure? Go by your financial wherewithal, say experts")
For car loan, check lenders on their total borrowing cost and service
Select companies that offer easier terms for repayment of the loan
 "For car loan, check lenders on their total borrowing cost and service")
CBDT issues detailed guidelines on taxation of traditional policies
The Finance Act, 2023, had amended Clause (10D) of Section 10 of the Income-Tax Act, 1961
 "CBDT issues detailed guidelines on taxation of traditional policies")
Switch if you can find 50 bps cheaper home loan; lock into current FD rates
Some lenders have lowered their rates over the past couple of months by reducing their spreads
 "Switch if you can find 50 bps cheaper home loan; lock into current FD rates")
Longer-duration debt funds: Tactical bets are for high risk takers
Long-term investors who want near-certain returns may opt for a target maturity fund that invest in gilts
 "Longer-duration debt funds: Tactical bets are for high risk takers")
Student travel insurance cover: Buy before setting off to study abroad
But ensure that your policy aligns with your foreign university's requirements
 "Student travel insurance cover: Buy before setting off to study abroad")
Party over? If overweight, pare exposure to US technology companies
Allocation to it should not exceed 25% of your total exposure to country's market
 "Party over? If overweight, pare exposure to US technology companies")
Storytelling as a career tactic
If you are keen to master the skill of effective communication, Sandeep Das's book offers expert tips for a quantum leap in your abilities
 "Storytelling as a career tactic")
Limit exposure to pharma and healthcare funds to 5% of equity portfolio
Improving US generic market outlook is driving the current rebound, but brace for periodic drawdowns
 "Limit exposure to pharma and healthcare funds to 5% of equity portfolio")
Rush for cover: For claiming insurance on flood-damaged home, act on time
Do not start a flooded car as it could cause further damage that may not be covered by your motor policy
 "Rush for cover: For claiming insurance on flood-damaged home, act on time")
Avoid going overweight on equities, especially hot themes and sectors
Also refrain from exiting the market in the hope of re-entering at a lower valuation
 "Avoid going overweight on equities, especially hot themes and sectors")
Why balanced advantage funds are back in the reckoning with investors
People moving from fixed-income should use them as a stepping stone into the equity markets
 "Why balanced advantage funds are back in the reckoning with investors")
Onus on taxpayers to make correct declaration about LRS remittances
TCS on LRS will also apply to remote education and medical consultancy
 "Onus on taxpayers to make correct declaration about LRS remittances")