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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If your multi-cap fund becomes much riskier after new Sebi rules, exit it
Wait until your fund house communicates a change of mandate before you decide on your course of action
 "If your multi-cap fund becomes much riskier after new Sebi rules, exit it")
Don't lower guard: Not just returns, focus also on a scheme's risks
Enquire how the high returns being promised will be generated, and whether you are comfortable taking the accompanying risk
 "Don't lower guard: Not just returns, focus also on a scheme's risks")
How to sniff and dodge financial scams and keep your wealth intact
Here are some tools that will help you detect a scam from a mile away and avoid touching one even with a 10-foot barge pole
 "How to sniff and dodge financial scams and keep your wealth intact")
Sebi's new margin norm may nudge trading towards buy-and-hold investing
Some of these changes came into effect from September 1, while the others will be rolled out gradually
 "Sebi's new margin norm may nudge trading towards buy-and-hold investing")
Work actively on improving your credit score to protect your home loan rate
If more lenders hike their risk premium, it will spike the interest rate on your borrowing
 "Work actively on improving your credit score to protect your home loan rate")
FASTag may be made mandatory for buying third-party insurance from April
The ministry also proposes to make FASTags mandatory for vehicles sold before December 2017
 "FASTag may be made mandatory for buying third-party insurance from April")
Renewing motor policy on time is more cost-effective and hassle-free option
If you let it lapse and renew later, you will lose out completely on the no-claim bonus
 "Renewing motor policy on time is more cost-effective and hassle-free option")
Shift to e-DIS method to keep securities in your demat acccount safe
This will ensure that you don't have to give power of attorney to your broker and yet do not lose out on convenience
 "Shift to e-DIS method to keep securities in your demat acccount safe")
Are you in financial trouble? Ask your bank to restructure your loan asap
Take your repayment capability and the extra interest cost involved when choosing a restructuring option
 "Are you in financial trouble? Ask your bank to restructure your loan asap")
Invest directly only if you can pick stocks with good earnings potential
Retail investors may get fingers burnt by aggresively buying small-, mid-caps stocks
 "Invest directly only if you can pick stocks with good earnings potential")
Gold: Enter now if you can hold for 7-8 years, maintain allocation
New investors should also minimise entry cost by purchasing on corrections
 "Gold: Enter now if you can hold for 7-8 years, maintain allocation")
Don't follow the herd: Make buy-sell decisions based on asset allocation
Those who have goals coming up in the near term should book profits in equity MFs
 "Don't follow the herd: Make buy-sell decisions based on asset allocation")
Investors need to be wary of overpaying as stock returns are mediocre
At a time when the index appears expensive, a stock-specific approach will serve you well
 "Investors need to be wary of overpaying as stock returns are mediocre")
Why smart-beta funds should be a part of your satellite portfolio
These products, however, carry higher risk than a pure passive fund
 "Why smart-beta funds should be a part of your satellite portfolio")
Pay higher percentage of vehicle cost upfront to get loan in pandemic
A low EMI to take-home income ratio will also improve your chances of getting a loan
Persuading without coercion
Instead of pressing harder on the accelerator, Mr Berger advises removing the parking brake and wheel chocks
 "Persuading without coercion")
New to investing? Bet only a small part of your surplus directly in stocks
The bulk of your money should be invested via mutual funds and low-cost passive funds
 "New to investing? Bet only a small part of your surplus directly in stocks")
Protection stocks offer opportunity; opt for insurance and gold finance cos
Quality stocks in banking and financial services sector are still available at attractive valuations
 "Protection stocks offer opportunity; opt for insurance and gold finance cos")
Investment in sovereign-backed bonds: Be prepared for rate changes
You can invest as much as you like in these bonds, but they are subject to rate changes
 "Investment in sovereign-backed bonds: Be prepared for rate changes")
Planning to buy term insurance? Purchase before premium rises again
Ignoring it isn't an option for those who have liabilities or dependants