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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Why this is not the time to take on very long-term fixed deposit investment
For periods longer than 3 years, it is a good idea to explore debt mutual funds that offer indexation benefits and lower the tax outgo
 "Why this is not the time to take on very long-term fixed deposit investment")
How to select an equity fund?
With numerous equity funds being offered by scores of asset management companies, how do you choose the equity fund that suits you? What should you keep in mind? This report answers the questions
 "How to select an equity fund?")
Don't let exposure to mid and small-cap funds exceed 30%: Experts
They will outperform if GDP, earnings growth sustain, but global risks pose threat
 "Don't let exposure to mid and small-cap funds exceed 30%: Experts")
Already 50 and don't have a retirement corpus? Build equity-heavy portfolio
Saving and investing more aggressively, extending work life are other strategies you may adopt
 "Already 50 and don't have a retirement corpus? Build equity-heavy portfolio")
PPF and Sukanya Samriddhi are most attractive in small-savings basket
Senior Citizens' Savings Scheme remains a must-have for those who need regular cash flows after retirement
 "PPF and Sukanya Samriddhi are most attractive in small-savings basket")
Invest in US funds, gold to fulfil child education goal amid rupee plunge
Travellers may switch to destinations against whose currencies the rupee has gained
 "Invest in US funds, gold to fulfil child education goal amid rupee plunge")
Prepay home loan to tackle 190-bps rise in repo rate since May: Experts
If you don't have a surplus, opt for higher EMI rather than longer tenor
 "Prepay home loan to tackle 190-bps rise in repo rate since May: Experts")
Buy an adequate OPD cover to take care of mental health treatment
Most of these ailments are treated on outpatient basis, so just a hospitalisation cover won't suffice
 "Buy an adequate OPD cover to take care of mental health treatment")
What borrowers should know about their rights against loan recovery agents
People who fail to repay their loans are not criminals and they can't be harassed
 "What borrowers should know about their rights against loan recovery agents")
Assess maximum possible loss before entering F&O trade: Experts
Have sufficient capital as buffer to be able to meet additional margin requirements
 "Assess maximum possible loss before entering F&O trade: Experts")
Stay invested in US funds even if returns aren't attractive currently
It helps to diversify geographically; while YTD returns of Indian markets are positive and US markets negative, the opposite will also happen at some other time
 "Stay invested in US funds even if returns aren't attractive currently")
The rise and rise of passive investing
With the passive investment revolution upon us, Robin Wigglesworth's book offers a useful guide
 "The rise and rise of passive investing")
Don't change your pension fund manager unless investment lags others
Currently, variability in performance for investor portfolios over five-year horizon is low
E-registration of property promises freedom from long queues, touts
However, the procedure is currently limited only to primary sales in Maharashtra
 "E-registration of property promises freedom from long queues, touts")
AT-1 bond returns are attractive compared to FDs, but factor in the risks
Their spread over G-Secs of comparable maturity have also declined compared to historical averages
Consider G-Sec STRIPS to lock in returns for very long tenures: Experts
Since this is a nascent category to invest, there could be liquidity risk
Lacking discipline to stay invested? Retirement funds are a good option
Others should invest in pure equity and debt funds, or go for EPF and NPS
 "Lacking discipline to stay invested? Retirement funds are a good option")
Consider loss of cover, deductions before surrendering life insurance plan
If your income is likely to revive soon, consider taking a loan against the policy instead of surrendering it
 "Consider loss of cover, deductions before surrendering life insurance plan")
Don't turn complacent, consult experts if builder claims nods are in place
First, carry out the necessary checks of the plot on which the project stands
 "Don't turn complacent, consult experts if builder claims nods are in place")
Near-term outlook bleak: Enter silver with a horizon of at least 2-3 years
Industrial recovery, higher demand from new age technologies could propel a turnaround
 "Near-term outlook bleak: Enter silver with a horizon of at least 2-3 years")