 "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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Focus on product quality, not on offers
Expect lucrative deals from a variety of companies this festival season, but read the fine print carefully before buying anything
 "Focus on product quality, not on offers")
Get money's worth from your distributor
Now that you can view the annual commission you pay to the distributor, make sure they truly earn the fee
 "Get money's worth from your distributor")
Buy property in resale market to eliminate risk of delay
Read the investor-developer agreement carefully before signing the cheque
 "Buy property in resale market to eliminate risk of delay")
Do you have enough health cover?
You need to revise the sum insured periodically to keep pace with medical inflation
 "Do you have enough health cover?")
Stay financially fit after 60
After retirement, the pressure on finances increases in the absence of regular income. Here are a few suggestions to ensure a smooth post-retirement life
 "Stay financially fit after 60")
Start paying for NPS advice
Since there are many and complicated choices, retail investors stand to benefit
 "Start paying for NPS advice")
Should you defer real estate purchase until regulator is in place?
Those looking to take advantage of current market conditions should buy only after conducting due-diligence
 "Should you defer real estate purchase until regulator is in place?")
Cut valuation risk in your portfolio
With stock prices at elevated levels, investors need to promptly rebalance their portfolios
 "Cut valuation risk in your portfolio")
Avoid hard knocks in equities with dynamic funds
Give Motilal Oswal AMC's dynamic equity fund time to develop track record before you invest in it
 "Avoid hard knocks in equities with dynamic funds")
Mis-selling: You are on your own
While regulators are trying to do their bit, the onus is on you to prove it
 "Mis-selling: You are on your own")
Don't let high agent churn hurt you
While the company may send an alert, the onus is on the customer to ensure timely payments
 "Don't let high agent churn hurt you")
Many choices make NPS complicated
Both debt and equity can be allocated in different proportions depending on your age and risk profile
Closed-end funds give fund managers time to perform
In the absence of redemption pressures, they can pick multi-baggers . But, investors have to reconcile themselves to lower liquidity
 "Closed-end funds give fund managers time to perform")
Fast-track your savings for retirement
If you are in your 40s and not saving enough, here are a few ways to set it right
Rally in gold may continue
There may be further upside, as negative real interest rates in developed world unlikely to end soon
 "Rally in gold may continue")
Benefit from low expense ratios of ETFs
Expense ratios of ETFs have declined primarily due to fund houses' desire to attract institutional money, chiefly from the EPFO
 "Benefit from low expense ratios of ETFs")
Independent living for senior citizens
Buy a retirement home for use, not for investment
 "Independent living for senior citizens")
Flexi-cap funds mimic large-cap schemes
Fund managers justify change in strategy due to altered growth prospects and higher valuations
 "Flexi-cap funds mimic large-cap schemes")
Ensure smooth transfer of wealth through a trust
While wills are easy to challenge, trusts are more foolproof. But the latter are more expensive
 "Ensure smooth transfer of wealth through a trust")
Home loans for the tech-savvy
Indiabulls Housing Finance's online service allows customers to get loans without going to lender's office
 "Home loans for the tech-savvy")