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start talking right

STOP taking wrong financial & investment decisions; START taking the right financial & investment decisions

by Holistic | Filed Under: Financial Plan

Listen to this article


Why do we take wrong financial and investment decisions?

Instead of following a proven practical process to take right financial and investment decisions, we just take decisions impulsively or as a reaction to the circumstance.

“I invested in Highest NAV guaranteed ULIP ploicy, because I’ll not suffer if the market crashes.”

“I took this policy, because everyone told it is a good policy and that is getting closed shortly. So I didn’t want to miss it.”

“I burned my fingers in stock market. I will never ever invest in it.”

“I got a secret tip from an influential person that this stock will go up by 10 times. So I invested a huge sum of money.”

“I don’t believe in stock market, that’s why I always choose safe investments like endowment and money back policies.”

As a financial planner, I come across one of these dialogues everyday.

Proven Practical Process

It is difficult to save the market from crashing; it is not possible to stop the agents misselling the insurance products; it is highly impractical to prevent people to give seducing investment tips; it is tough to have only positive investment experiences…

But it is easier, possible, and practical to change ourself to follow a proven practical financial & investment decision making process instead of falling prey for circumstances.

Instead of changing or controlling the financial world and financial climate, it is easier to learn to create your own personal financial world and personal financial climate. It is in your hands.

This proven process has got four steps:

1) Observe your thoughts

Just ask a simple question yourself and observe your thoughts.
“Why am I taking this particular financial & investment decision?”

(If you are not taking any financial & investment decision now, for the purpose this experiment, you can consider the recent decision you have taken and ask the same above question)

Please be honest. We need not rationalise. Let us not give unreasonable reasons or inexcusable excuses.Be sincere and straight forward.

The answers may be:
“Because, today is the last day to save for income tax…”
“Because, everyone in my office has invested in this scheme…”
“Because, it is a very hot property…”
“Because, it is a one time opportunity…”
“Because I can make more money…”
“Because it is 100% safe and fail-proof…”
“Because it is recommended by an expert…”

Please observe your honest thoughts for the question ‘why am I taking this financial & investment decision?’ and write it down.

Financial investment

2) Evaluate your thoughts

Now take that answer and start evaluating.

    • i) Is the answer a lame excuse?
    • ii) Do you think the answer will give you a long term positive effect?
    • iii) Do you think the answer wil give you personal peace or destroy your personal peace?
    • iv) Is the answer based on greed or fear or balanced mindset?
    • v) Does the answer look like a short cut to make money?
    • vi) Does the answer look like impulsive or reactive or proactive?
    • vii) Are any of your negative experiences or negative beliefs influencing your answer?
    • viii) Is the answer based on an external event or circumstance or based on your internal requirement?
    • ix) Does your answer alarm you that you are taking a long term decision based on your short term emotions?
    • x) Are you taking this financial decision based on urgency or importance?
    xi) Does the answer look emotional or rational?

This evaluation process will dissect your thought process which led you to conider that financial and investment process.

This will reveal the fact. This will help you take more conscious financial and investment decision. This will help you stop falling prey for circumstances.

3) Look for better response

Instead of taking the decision under question, is there a better alternative?

Instead of taking the decision for the earlier reasons, is there a better and justifiable reasons to take that decision?

In this step, you will not just look at the obvious side of your situation and the financial & investment decision. You will dive deeper and understand your situation better and also you will analyse the strength of the roots of different financial and investment alternatives.

This step will:

  • Make you clear which financial and investment decision is REALLY better.
  • Make you realise the pros and cons of that financial and investment decision.
  • Make sure that you are not headed for a sudden surprise from this decision.
  • Make sure that you don’t regret for taking this decision in the future.

4) Courage to change

It is not easier to go against the crowd; it is not easier to go against your emotions. It is not easier to take a financial and investment decision by coming out of your comfort zone; It is not easier to change your negative beliefs; it is not easier to heal the burns of your negative experiences; it is not easier to take a decision without the influence of your circumstances.

But it is ALWAYS POSSIBLE to CHANGE.

Do you want YOU decide your financial future? Or

Do you want the crowd/ your emotions/ your comfort zone/ your negative beliefs/ your negative experiences/ your circumstances to decide your financial future?

Be courageous to change the way you take your financial and investment decision.

Conclusion

This simple proven process to take financial and investment decisions can change a VICTIM into a VICTOR. To make all the successful and sound investment principles and techniques work in your favour, you may test-drive our wealth management services by opting for 30 MINUTES COMPLIMENTARY CONSULTATION OFFER.

Skip the queue by registering for your 30-Minute FREE Financial Plan Consultation. Click the ‘BOOK YOUR SLOT NOW!’ button below. 

Previous article: Why your personal finance is out of your control and how to bring it under your control
Next article: Demystifying common myths relating to Financial Advice

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Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

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