 "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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Mango Millionaires: The common man's guide to financial independence
Why for beginners financial independence is less about picking the right stocks and more about avoiding mistakes early on
 "Mango Millionaires: The common man's guide to financial independence")
Money mkt funds can yield better returns than liquid funds in 6-12 months
Before investing, check the proportion of A1+ holdings and their composition
 "Money mkt funds can yield better returns than liquid funds in 6-12 months")
Crypto security: Keep assets in self-custody, use insured exchange
Those holding crypto keys in a cold wallet must store seed phrases offline in a secure location
 "Crypto security: Keep assets in self-custody, use insured exchange")
H.I.T. Investing: A new book the balance between purpose and profit
It is hard to fathom how any organisation could build a sustainable business by offering high-quality products at affordable prices, but many have done just that. H.I.T. Investing tells their stories
 "H.I.T. Investing: A new book the balance between purpose and profit")
How tax changes have transformed debt MF landscape, altered investor choice
Fund houses have launched debt-arbitrage FoFs to attract investors in higher tax brackets
 "How tax changes have transformed debt MF landscape, altered investor choice")
Avoiding fraudulent loan apps: RBI listing, ratings & reviews key to safety
Loans from registered NBFCs or banks come with a key fact statement (KFS), a sanction letter, and a loan agreement detailing all costs
 "Avoiding fraudulent loan apps: RBI listing, ratings & reviews key to safety")
How to ensure smooth payout of life insurance claims after a tragedy
Learn who gets the insurance proceeds if the policyholder and the nominee both pass away in an accident
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Evaluate OPD plans on sum insured, coverage, sub-limit, and network
Estimate your annual OPD expenses to decide suitable sum insured
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Avoid chasing yield blindly in scenario of falling interest rates
Give equal weight to safety so that you avoid loss of capital in your fixed-income portfolio
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Cut home loan costs: Retain EMI, shorten tenure, consider prepaying
Borrowers can maximise savings when interest rates fall by retaining their EMI and reducing tenure, while also benefiting from repo-linked loans and selective prepayments
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Shield your vehicle from monsoon damage with key insurance add-ons
With rains already flooding major cities, insurers advise critical add-ons like engine and battery protection to avoid costly vehicle repairs and ease claim settlement
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Stay in US funds if horizon exceeds seven years, exposure less than 20%
If you are worried about a US-only exposure following the downgrade of US government debt, go for a globally diversified fund
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Do not apply for health cover without revealing existing hypertension
Try bringing condition under control to improve chances of getting coverage
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Defence funds: Enter via SIP with 10-year view to manage valuation risk
Jefferies estimates India's defence sector opportunity at US$100-120 billion over the next five-six years
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Moving abroad? Changes you must make in your bank, demat, and MF accounts
NRIs must also comply with the tax filing norms that apply to them once their residency status changes
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Expense ratio: Shun active funds with high costs, inconsistent performance
A higher expense means a larger portion of the return goes to the asset management company
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Let asset allocation, not price direction guess, guide decision on gold
As gold scales Rs 1 lakh peak, investors are wondering whether to sell now and book profits or wait to see how the tariff wars play out. Here's a handy explainer on the best way forward
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Buying forex: Compare exchange price offered by seller with interbank rate
One way to assess how much you paid is to compare the amount sent with the amount received
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Use smart cash management to optimise returns on short-term funds
However, one should avoid keeping excessive funds in savings accounts
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Minimising payout on home loan: Boost credit score, prepay, cut tenure
A home loan balance transfer can help move to a lower interest rate
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