Why your personal finance is out of your control and how to bring it under your control

Why your personal finance is out of your control and how to bring it under your control?

“I was a safe investor. So I invested everything in fixed deposits . My returns are not even beating inflation. So to beat inflation, I invested in stock market. But now the markets are crashing…”

“I kept a sizable emergency reserve in liquid funds; I didn’t have any emergency situation for 3 years. The liquid fund where I kept the sizable emergency fund was not giving me good returns. So I invested that money in a small property . Now I have an emergency and the property is not easily liquidable…”

“ When I see return on my investment portfolio, at times, I feel that I’m not getting good returns and start investing in aggressive investments. Then, I feel that I’m taking too much risk…”

Does any of the above sound similar to you?

Why managing your personal finance is out of your control?

Why are you in a delimma always?

Why you are not able to take any confident investment decisions?

When things go out of your control, you feel less confident and you are in a dilemma.

Lesson 1: You have control over your personal finance and investment decisions. But you don’t have control over the consequences of your personal finance and investment decisions.

Lesson 2: Timeless personal finance and investment principles have control over the consequences.

I discovered the above 2 lessons after studying and reviewing hundreds of investment portfolio.

Putting lessons on the perspective

Let us put the above lessons in a proper perspective.

You have control over your investment decision

You can choose to invest in Fixed Deposit or Equity Mutual Fund. You have complete control over this choice.

You don’t have control over the consequences:

Fixed deposits beating inflation or markets being stable are not under your control. The consequences are not under your control.

Timeless Investment Principles control the consequences

Following are the few principles which control the consequences in our example;

a) A safe investment will not deliver higher returns.

b) High return investments will be volatile.

Investment principles like these are timeless. They produce both personal peace and dramatic investment results.

How to bring personal finance and investments under your control?

By now you could have guessed. If you take your personal finance and investment decisions based on the timeless investment principles, the consequences will be under your control.

So, that leads to the next question, ‘How to take decisions always based on timeless investment principles?’

Though the question looks tough, the answer is simple. Create a principle based personalised financial plan. The power is in principle based financial plan.

Financial Plan – A powerful Solution

To bring your personal finance under your control, financial plan is really powerful.

ii. Personal Financial plan empowers you to close the gap between what you deeply want from your personal finance and the way actually you manage personal finance and take investmetn decisions.

iii. Personal Financial plan help you escape the tyranny of dilemma of investment decisions & market moods and march peacefully towards your personal finance goals.

iv. Personal financial plan stops you take decisions based on your mood or market mood.

v. Persoanal Financial Plan stops you take long tern investment decisions based on your temporary emotions. It helps you take rational decisions.

vi. Personal financial plan gives you clear direction to take any personal finance and investment decisions. Personal financial plan is like a light house which guides us whenever we need direction.

vii. Personal financial plan can guide us on

What amount of safety to look at and what amount of risk to take?
How much liquidity is required and how much can be locked in long term investments?
How much returns are required to meet my goals?

viii. You will stop taking investment decisions based on advertisement, sales pitch, scheme brochure; you will start taking investment decisoons based on your personal financial plan.

Conclusion

Don’t allow any other forces to control your personal finance and investments. You yourself can consciously control the consequences of your personal finace and investment decisions by creating a personalised financial plan. To get this financial stability and security, to understand our unique Holistic Financial Planning Process we offer a 30 minutes free consultation.

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

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

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

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

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

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

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

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

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

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.