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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Reimagining value investing for the tech era
In his book, author and fund manager Adam Seessel makes a strong case for embracing the transformative power of technology stocks in order to stay ahead in the market
 "Reimagining value investing for the tech era")
Want immediate insurance coverage for diabetes? Apply for a customised plan
Though costlier, they offer coverage for both type I and II diabetes, and to those with high levels of HbA1C
 "Want immediate insurance coverage for diabetes? Apply for a customised plan")
Tech use, reviews, rating: What to look for when picking a stockbroker
List your requirements and shun firms with a high number of complaints against them
 "Tech use, reviews, rating: What to look for when picking a stockbroker")
Sun Life Asia Service Centres rebrands itself as Sun Life Global Solutions
The GCC plans to increase headcount by about 700 this year in India
 "Sun Life Asia Service Centres rebrands itself as Sun Life Global Solutions")
Prioritise retirement security, withdraw from NPS only in emergency
Since access to NPS corpus is restricted, build emergency fund, diversify into equity and debt MFs
 "Prioritise retirement security, withdraw from NPS only in emergency")
Course, institute determine lender's willingness to offer an education loan
A co-borrower with a good credit score and adequate collateral can expedite approval
 "Course, institute determine lender's willingness to offer an education loan")
Multi-asset funds: Diversified portfolio ensures smoother experience
Exposure to too many of these funds can make it difficult to control asset allocation or have a unified strategy
 "Multi-asset funds: Diversified portfolio ensures smoother experience")
What to do when skill and energy wane
When professional and physical decline set in, what does one do?
 "What to do when skill and energy wane")
Opportune time to diversify internationally as US benchmarks recover
Enter for the long haul as the US economy and market could witness turbulence in the months ahead
 "Opportune time to diversify internationally as US benchmarks recover")
High expense ratio erodes mutual funds' net return, so monitor cost
If your distributor suggests moving from a low- to a high-cost fund, question the rationale of the move
 "High expense ratio erodes mutual funds' net return, so monitor cost")
Rs 2,000 note withdrawal: Do not panic, you're not back in November 2016
Those with accounted cash shouldn't worry; but be aware of SFT reporting thresholds, limits on cash transactions, and PAN requirement
 "Rs 2,000 note withdrawal: Do not panic, you're not back in November 2016")
Fractional ownership platforms make commercial real estate accessible
Until they come under Sebi's MSM REIT framework, retail investors must rely on their own due diligence when investing through them
 "Fractional ownership platforms make commercial real estate accessible")
Overseas debit, credit card payments up to Rs 7 lakh a yr out of LRS: Govt
These transactions will not attract tax collected at source
 "Overseas debit, credit card payments up to Rs 7 lakh a yr out of LRS: Govt")
Business trips to be exempted from LRS changes, says finance ministry
Clarification on travel, education and medical treatment expenses to be issued later
 "Business trips to be exempted from LRS changes, says finance ministry")
Select small-cap fund manager with proven expertise in this segment
As a result, small-cap funds have garnered the maximum inflows among all equity categories in March (Rs 2,430 crore) and April (Rs 2,182 crore) 2023, according to data from the AMFI
 "Select small-cap fund manager with proven expertise in this segment")
This is how EPFO's calculator calculates pension on pro-rata basis
Under the old EPS pension scheme, basic salary cap is taken to be Rs 6,500 until Aug 31, 2014 and Rs 15,000 thereafter
 "This is how EPFO's calculator calculates pension on pro-rata basis")
Rules to returns: What to consider in opting for higher pension from EPS
Factor in both the size of your retirement corpus and the risks in this scheme before taking the leap
 "Rules to returns: What to consider in opting for higher pension from EPS")
Use cost-effective and accessible group term plan to boost coverage
However, supplement this plan with an individual term policy for enhanced security
 "Use cost-effective and accessible group term plan to boost coverage")
Want to benefit from downturn in interest rates? Go for a dynamic bond fund
Investors who don't want to take interest-rate risk may avoid these funds
 "Want to benefit from downturn in interest rates? Go for a dynamic bond fund")
Turn in US Fed interest rate cycle could drive Bitcoin rally forward
Investors with high risk appetite may take 2-5% exposure in their portfolios to this volatile, unregulated asset
 "Turn in US Fed interest rate cycle could drive Bitcoin rally forward")