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Bajaj Allianz Life Guaranteed Pension Goal

Bajaj Allianz Life Guaranteed Pension Goal Review (2023): Is It Worth Investing?

by Holistic Leave a Comment | Filed Under: Retirement Planning

Listen to this article


Retirement life is the second inning of our life.

We need to stay financially prepared so that our lifestyle goals are not compromised in this phase of life.

Will Bajaj Allianz Life Guaranteed Pension Goal Plan will help you to maintain your lifestyle?

Let us take a deep look at this plan and conduct a comparative analysis of Bajaj Allianz Life Guaranteed Pension Goal with other Investment Avenues available in the market.

Table of Contents:

1.) What is Bajaj Allianz Life Guaranteed Pension Goal Plan?
2.) Features of the Bajaj Allianz Life Guaranteed Pension Goal Plan
3.Annuity plans of the Bajaj Allianz Life Guaranteed Pension Goal Plan in detail
4.) Eligibility Criteria of the Bajaj Allianz Life Guaranteed Pension Goal Plan
5.) Advantages of the Bajaj Allianz Life Guaranteed Pension Goal Plan
6.)Disadvantages of the Bajaj Allianz Life Guaranteed Pension Goal Plan
7.) A Grace Period, Revival & Paid-up of the Bajaj Allianz Life Guaranteed Pension Goal Plan
8.)Free Look Period of the Bajaj Allianz Life Guaranteed Pension Goal Plan
9.) Surrendering the Bajaj Allianz Life Guaranteed Pension Goal Plan
10.) Research Methodology
11.) IRR of the Bajaj Allianz Life Guaranteed Pension Goal Life Plan
12.)Bajaj Allianz Life Guaranteed Pension Goal Plan Vs Other Investment
Avenues

13.)Final Verdict of the Bajaj Allianz Life Guaranteed Pension Goal Plan

What is Bajaj Allianz Life Guaranteed Pension Goal Plan?

It is a Non-Linked, Non- Participating, Deferred & Immediate Annuity plan.

The Bajaj Allianz Life Guaranteed Pension Goal Plan offers guaranteed income throughout life. There is a wide range of annuity options.

The annuity period starts as per your choice either immediate annuity (Single pay) or Deferred annuity (Limited / Regular pay).

Features of the Bajaj Allianz Life Guaranteed Pension Goal Plan

      • Option to take a Joint life annuity with 50% or 100% annuity payable to your spouse after your death.
      • Your annuity amount is guaranteed at policy inception and is paid regularly as per your choice and need (Yearly/Half-yearly/Quarterly/Monthly).
      • Choose from a wide range of Annuity options (Nine options) to meet your requirement.
      • Option to receive Return of Purchase Price (ROP) on death or as Survival Benefit.

Annuity option available for all channels (excluding POS channel):

Immediate Annuity Deferred Annuity (Single Pay) Deferred Annuity (Regular Pay)
A Life Annuity ✔

✔

✔
B Life Annuity with ROP on death ✔ ✔ ✔
C Annuity Certain (5/10/15/20 yrs.) and life thereafter ✔ ✖  ✖
D Joint Life Last Survivor with 50% of Annuity to spouse ✔ ✖  ✖
E Joint Life Last Survivor with 100% of Annuity to spouse ✔ ✖  ✖
F Joint Life Last Survivor with 100% of Annuity to spouse & with ROP on the death of Last Survivor ✔ ✔  ✖
G Life Annuity with ROP on death or survival ✔ ✔  ✖
H Life Annuity with ROP on death or in instalments on survival ✔ ✔  ✖
I Family Pension ✔  ✖  ✖

Annuity plans of the Bajaj Allianz Life Guaranteed Pension Goal Plan in detail

      1. Option A

        Life Annuity: Annuity – Throughout life

      2. Option B

        Life Annuity with return of purchase price: Annuity – Throughout life & on death purchase price will be returned to your nominee

      3. Option C

        Annuity Certain & Life thereafter – Annuity – Certain period 5/10/15/20 years. Death during annuity certain period – Annuity Instalments will be paid to your nominee.

      4. Option D

        Joint Life Survivor with 50% of Annuity to Spouse: Annuity – Throughout life & on death your spouse will receive 50% of the prevailing Annuity throughout his/her life.

      5. Option E

        Joint Life Last Survivor with 100% of Annuity to spouse: Annuity – Throughout life & on death your spouse will receive 100% of the prevailing Annuity throughout his/her life.

      6. Option F

        Joint Life Last Survivor with 100% of Annuity to spouse & with Return of Purchase Price (ROP) on the death of Last Survivor: Annuity – Throughout life & on death your spouse will receive 100% of the prevailing Annuity throughout his/her life. On the death of the last survivor, the purchase price will be returned to your nominee.

      7. Option G

        Life Annuity with Return of Purchase Price (ROP) on death or survival: Annuity – Throughout life and on additionally on the policy anniversary after the 25th policy year or the policy anniversary after attaining Age 85 (whichever 2 is later), the Purchase Price will be returned to you as Survival benefit with annuity continuing subsequently.

      8. Option H

        Life Annuity with Return of Purchase Price (ROP) on death or in instalments on survival: Annuity – Throughout life and additionally, starting from the policy anniversary after the 15th Policy Year or the policy anniversary after 2 attaining Age 70 (whichever is later), Survival benefit would be payable to you at each policy anniversary in instalments as per the Annuity payment frequency with Annuity continuing subsequently.

      9. Option I
        Family Pension: (Only for NPS subscribers): If the NPS subscriber has a spouse/spouse is alive – The annuity will be payable as per the Annuity option, Option F and if his/her spouse is not alive – Annuity will be payable as per the annuity option, Option B. On the death of both the policyholder and spouse, the purchase price of this plan shall be used to purchase an Annuity under Option B, on the dependent mother/father whoever is alive.

Immediate Annuity:

An annuity will be payable to you on each Annuity instalment date according to the Annuity payment frequency opted for by you at the inception of the policy.

Deferred Annuity:

An annuity will be payable to you on each Annuity instalment date, post-completion of the Deferment period, and according to the Annuity payment frequency opted by you at the inception of the policy. On death during the Deferment period, an amount equal to the Purchase price plus attached Guaranteed Additions, subject to a minimum of 105% of Total Premiums paid, shall be paid to your nominee.

Eligibility Criteria of the Bajaj Allianz Life Guaranteed Pension Goal Plan

Let us take a look at the basic information we need to know about entering this plan at a glance below;

Immediate Annuity Deferred Annuity
Minimum Age at entry 30 years 45 years
Maximum Age at entry 85 years 84 years
Minimum Annuity Yearly -12,000
Half-yearly – 6,000
Quarterly – 3,000
Monthly – 1000
Maximum Annuity No Limit
Purchase Price As per the prevailing Board Approved Underwriting Policy
Premium paying Term Single premium Single/Regular/ Limited Pay
Minimum – 5 Years
Maximum – 10 years
Modes of Payment of Premium Not Applicable Yearly, half-yearly, quarterly, monthly
Deferment Period Not Applicable Single premium – 1 year
Regular/ Limited premium – PPT Chosen / 10 years
Pension Mode Yearly, half-yearly, quarterly, monthly Yearly, half-yearly, quarterly, monthly

Advantages of the Bajaj Allianz Life Guaranteed Pension Goal Plan

      • You can customize it as per your requirement. Both the Premium paying term (Accumulation phase) & Annuity period (Distribution Phase) can be customized.
      • Guaranteed income throughout your life.
      • Option to pay Top-up Premiums any time after the Policy Commencement Date under the existing Immediate or Deferred Annuity Policy.
      • At any policy anniversary, Annuity payment frequency can be changed.
      • During the deferment period, Guaranteed Additions will be added to the Policy at the end of every month. (Applicable only for deferred Annuity).

Disadvantages of the Bajaj Allianz Life Guaranteed Pension Goal Plan

      • Annuity can’t be relied on as the only source of income. It can be counted as an additional source of income.
      • The annuity amount is fixed throughout your life & not adjusted to inflation.
      • Some of the annuity options are available only for Immediate annuity & Single pay deferred annuity.
      • Annuity rate prevailing at the time of inception will be locked.
      • Annuity is taxable as per your slab rate.

For more details, you can refer to the Bajaj Allianz Life Guaranteed Pension Goal Policy Brochure.

A Grace Period, Revival & Paid-up of the Bajaj Allianz Life Guaranteed Pension Goal Plan

The below information is only applicable under the Deferred Annuity – Limited / Regular pay options.

Grace period:

The grace period is 30 days for payment frequencies other than a monthly mode of payment and 15 days for a monthly frequency mode of payment.

Revival:

Revival can be done within five (5) years of the due date of the first unpaid Premium and before the end of the Deferment Period.

Paid-up policy:

If you have not paid at least two full years’ Premiums, the Policy will be converted to a lapsed Policy at the end of the grace period, and no benefit will be payable.

If you have paid at least two full years’ Premiums, and subsequent Premiums have not been paid, your Policy will be converted to a Paid-up Policy at the end of the grace period.The annuity will be a converted to paid-up annuity.

Free Look Period of the Bajaj Allianz Life Guaranteed Pension Goal Plan

If the policyholder disagrees with any of the terms & conditions, he/she will have the option to return the Bajaj Allianz Life Guaranteed Pension Goal Policy Within 15 days of the date of receipt of the policy.

The Free Look Period will be extended up to 30 days in case the policy was bought online or through distance mode.

Surrendering the Bajaj Allianz Life Guaranteed Pension Goal Plan

For Immediate Annuity – The Surrender Value will be the Special Surrender Value (SSV)

For Deferred Annuities,

      • On surrender during the deferment period – the Surrender Value will be higher than the Guaranteed Surrender Value (GSV) or the Special Surrender Value (SSV).
      • On surrender after the deferment period- the Surrender Value will be the Special Surrender Value (SSV).

Surrender Value is applicable –

Under Annuity Options B, F, G, H & I during the Annuity period (for immediate and deferred Annuity).

All annuities during the deferment period (under deferred Annuity).

Research Methodology

Estimating the internal rate of return will help you to find out the suitability of the Bajaj Allianz Life Guaranteed Pension Goal Plan for the long-Term.

After estimating the IRR, we can compare it with other investment avenues to see if there are other instruments available in the market that will provide us with a better return than the Bajaj Allianz Life Guaranteed Pension Goal plan. After the IRR & Comparative Analysis, you can make an informed decision on your investments.

IRR of the Bajaj Allianz Life Guaranteed Pension Goal Life Plan

The Assumptions for Comparisons

Male 50 years
Premium Paying Term Single pay
Purchase Price 25 Lakhs
Annuity frequency Yearly
Assumed Life Expectancy 85 years

The illustration below is worked out for a 50-year-old male. The purchase price under a Single premium is Rs. 25 Lakhs. The annuity frequency chosen in the example below is for the Yearly mode.

Let us work out the IRR for Immediate & Deferred annuity under Plan options A & B. Let us assume the Life Expectancy for the Life insured as 85 years.

Immediate Annuity Deferred Annuity (Deferment period – 10 Years)
Age Year Option A Life Annuity Option B Life Annuity with ROP Option A Life Annuity Option B Life Annuity with ROP
50 0 -25,00,000 -25,00,000 -25,00,000 -25,00,000
51 1 1,84,500 1,69,200 0 0
52 2 1,84,500 1,69,200 0 0
53 3 1,84,500 1,69,200 0 0
54 4 1,84,500 1,69,200 0 0
55 5 1,84,500 1,69,200 0 0
56 6 1,84,500 1,69,200 0 0
57 7 1,84,500 1,69,200 0 0
58 8 1,84,500 1,69,200 0 0
59 9 1,84,500 1,69,200 0 0
60 10 1,84,500 1,69,200 0 0
61 11 1,84,500 1,69,200 3,49,000 3,12,475
62 12 1,84,500 1,69,200 3,49,000 3,12,475
63 13 1,84,500 1,69,200 3,49,000 3,12,475
64 14 1,84,500 1,69,200 3,49,000 3,12,475
65 15 1,84,500 1,69,200 3,49,000 3,12,475
66 16 1,84,500 1,69,200 3,49,000 3,12,475
67 17 1,84,500 1,69,200 3,49,000 3,12,475
68 18 1,84,500 1,69,200 3,49,000 3,12,475
69 19 1,84,500 1,69,200 3,49,000 3,12,475
70 20 1,84,500 1,69,200 3,49,000 3,12,475
71 21 1,84,500 1,69,200 3,49,000 3,12,475
72 22 1,84,500 1,69,200 3,49,000 3,12,475
73 23 1,84,500 1,69,200 3,49,000 3,12,475
74 24 1,84,500 1,69,200 3,49,000 3,12,475
75 25 1,84,500 1,69,200 3,49,000 3,12,475
76 26 1,84,500 1,69,200 3,49,000 3,12,475
77 27 1,84,500 1,69,200 3,49,000 3,12,475
78 28 1,84,500 1,69,200 3,49,000 3,12,475
79 29 1,84,500 1,69,200 3,49,000 3,12,475
80 30 1,84,500 1,69,200 3,49,000 3,12,475
81 31 1,84,500 1,69,200 3,49,000 3,12,475
82 32 1,84,500 1,69,200 3,49,000 3,12,475
83 33 1,84,500 1,69,200 3,49,000 3,12,475
84 34 1,84,500 1,69,200 3,49,000 3,12,475
85 35 1,84,500 25,00,000 3,49,000 25,00,000
IRR 6.59% 6.72% 5.98% 6.03%

We can infer from the above table that the IRR under any option hovers around 6 – 6.7% which is equivalent to the bank FD rate (for non-senior citizens).

The post office schemes offer better returns than this rate of return. Here one more point to be noted is that the Bajaj Allianz Life Guaranteed Pension Goal Plan locks your fund for a lifetime.

In the raising interest scenario, this is a major roadblock to your finances. You may lose other Better Investment Opportunities.

Bajaj Allianz Life Guaranteed Pension Goal Plan Vs Other Investment Avenues

Bajaj Allianz Life Guaranteed Pension Goal Plan offers mediocre returns at best. Let us look for other investment avenues where you can get a regular payout. We can consider other fixed-income securities like Senior Citizen Savings Scheme (SCSS) & RBI Floating Rate Bonds.

Annuity SCSS RBI floating rate Bond
Interest Rate (As on Feb 2023) 6 – 6.7% 8% 7.35%
Tenure Perpetual 5 years 7 years
Frequency of Pay-out Yearly, half-yearly, quarterly, monthly Quarterly Half-yearly
Maximum Investment Amount No Limit Rs. 30 Lakhs No Limit
Taxation Fully Taxable Exempt up to Rs. 50 K as Per Sec 80 TTB Fully Taxable
Premature Withdrawal Surrender Allowed Allowed (For Senior citizens)
Return on the Purchase price (Investment Amount) Only if opted Returned at the end of Tenure

By inferring the table, it is evident that there are other better alternate investments in terms of return & liquidity.

Especially during your retirement period, factors like;

      • Cash flow
      • Liquidity
      • Rate of Return

Everything should be considered before investing.

So, if you consider all these factors, then the Bajaj Allianz Life Guaranteed Pension Goal wouldn’t be the right choice to be chosen as an Investment Choice in your Retirement Period.

Final Verdict of the Bajaj Allianz Life Guaranteed Pension Goal Plan

The above analysis clearly shows that the Bajaj Allianz Life Guaranteed Pension Goal Plan is a hassle-free investment. But from the Interest & liquidity perspective, it is unfit to be in your retirement portfolio.

Unforeseen medical expenses are common in old age. Moreover, the inflation rate is soaring. To combat inflation, the retirement portfolio should be well diversified.

These types of annuity plans will not diversify your portfolio & will not yield an inflation-adjusted return in the long run. The retirement corpus should be invested in a well-diversified portfolio & rebalance at regular intervals.

The pragmatic approach is investing the corpus in equity to beat inflation & invest in debt instruments for regular cash flow. After regular withdrawals from debt, it can be refilled from your equity portfolio. The corpus will outlive you in this pragmatic approach.


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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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