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Bajaj Allianz Life Long- life Goal Plan

Bajaj Allianz Life Long-life Goal Plan Review: Is It Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

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Striving toward early retirement is the main agenda of the current working generation.
For this, you would need to build an investment portfolio & accumulate the required retirement corpus.
Will Bajaj Allianz Life Long-life Goal plan be an impeccable investment option for your Retirement in your portfolio?
Let us cognize the working of the plan before answering the suitability of the plan.

Table of Contents:

1.)What is Bajaj Allianz Life Long-life Goal Plan?
2.)Features of the Bajaj Allianz Life Long-life Goal Plan
3.)Eligibility Criteria of the Bajaj Allianz Life Long-Life Goal Plan
4.) Bajaj Allianz Life Long-Life Goal Plan at a Glance

  • Variants of Bajaj Allianz Life Long-Life Goal Plan

5.)Investment Strategies & Fund Options available in the Bajaj Allianz Life Long-Life Goal Plan
6.) Benefits of the Bajaj Allianz Life Long-Life Goal Plan

  • Maturity Benefit
  • Death Benefit
  • Retired Life Income (RLI) – Survival Benefit

7.)Other Benefits of the Bajaj Allianz Life Long-Life Goal Plan
8.) A Grace Period, Revival & Discontinuance of the Bajaj Allianz Life Long-Life Goal Plan
9.) Free Look period of the Bajaj Allianz Life Long-Life Goal Plan
10.) Surrendering the Bajaj Allianz Life Long-life Goal
11.)Various Charges under the Bajaj Allianz Life Long-Life Goal Plan
12.) Advantages of the Bajaj Allianz Life Long-life Goal Plan
13.) Disadvantages of the Bajaj Allianz Life Long-life Goal Plan
14.) Research Methodology
15.)IRR Analysis of the Bajaj Allianz Life Long-Life Goal Plan
16.) Bajaj Allianz Life Long-Life Goal Plan Vs. Comparison with Other Investment vehicles
17.) Bajaj Allianz Life Long-life Goal Plan Vs. Pure Term Insurance + PPF / ELSS
18.)Final verdict on the Bajaj Allianz Life Long-life Goal Plan

What is Bajaj Allianz Life Long-life Goal Plan?

It is a Non-participating, Life, Individual, Whole Life, Unit-Linked, Regular Premium Payment, and Endowment plan.
The policy provides life cover for the whole life & income benefit till 99 years of age of the policyholder. During your retirement period, it provides you with an ongoing income stream that sustains your lifestyle so that You continue to live your life.

Features of the Bajaj Allianz Life Long-life Goal Plan

  • There is a choice of 2 plan variants: Long-life Goal without Waiver of Premium & Long-life Goal with Waiver of Premium.
  • You have the choice to choose from 4 Investment Portfolio Strategies & 10 Fund Options.
  • Every year from the 5th Policy Year till the 25th Policy Year, Loyalty Additions are added to your fund value.
  • Periodical Return of the Life Cover charges & Waiver of premium charges.
  • Retired Life Income till the age of 99 years with the Return Enhancer & Whole life cover.
  • You also have the option to reduce the premium after your post-lock-in period.

Eligibility Criteria of the Bajaj Allianz Life Long-Life Goal Plan

The basic information we need to know about being eligible to enter this policy is given below

Minimum Entry Age 18 Years
Maximum Entry Age 65 Years
Minimum & Maximum Age at Maturity 99 Years
Policy Term 99 minus Age at Entry of Life Assured
Premium Payment Term (PPT) 10 to 25 Years
Minimum Premium Yearly 25,000
Half-yearly 12,500
Quarterly 6,250
Monthly 2,500
Maximum Premium No Limit
Premium Payment Frequency Yearly, Half-yearly, Quarterly, and Monthly
Minimum & Maximum Sum Assured 10 times Annualized Premium & Maximum – As per the Board

Bajaj Allianz Life Long-Life Goal Plan at a Glance

Variants of Bajaj Allianz Life Long-Life Goal Plan

There are two variants available in this plan which are mentioned below;

  1. Long-life Goal with Waiver of Premium.
  2. Long-life Goal without Waiver of Premium

Long-life Goal with Waiver of Premium:

If the Life Assured & Policyholder are the same, in the case of Accidental Permanent Total Disability of the Life Assured during the Premium Payment Term, Premiums for the rest of the Policy Term will be waived and the Policy will continue with all the benefits.

If the Life Assured & Policyholder are not the same, on the earlier occurrence of the Death or Accidental Permanent Total Disability of the Policyholder during the Premium Payment Term, Premiums for the rest of the Policy Term will be waived and the Policy will continue with all the Benefits.

Long-life Goal without Waiver of Premium:

The above Waiver of Premium benefit is not applicable.

Investment Strategies & Fund Options available in the Bajaj Allianz Life Long-Life Goal Plan

Bajaj Allianz Life Long-life Goal provides You with four unique portfolio strategies, which can be chosen at the inception of your policy. They are mentioned below;

  1. Investor Selectable Portfolio Strategy
  2. Wheel of Life Portfolio Strategy II
  3. Trigger-Based Portfolio Strategy
  4. Auto Transfer Portfolio Strategy

Investor Selectable Portfolio Strategy

If you want to allocate your Premiums based on your personal choice and decision, you can opt for this strategy and choose from among the ten Funds below to suit your investment needs.

Fund Name Risk Profile Portfolio Allocation
Equity Bank Deposit Money Market
Equity Growth Fund II Very High Not less than 60% 0-40% 0-40%
Accelerator Mid-Cap Fund II Very High Not less than 60% (50% in Mid-cap) 0-40% 0-40%
Pure Stock Fund Very High Not less than 60% 0-40% 0-40%
Pure Stock Fund II Very High Not less than 75% _ 0-25%
Asset Allocation Fund II High 40-90% 0-50% 0-40%
Blue-chip Equity Fund High Not less than 60% 0-40% 0-40%
Bond Fund Moderate _ 0-100% 0-60%
Liquid Fund Low _ 100% 100%
Flexi Cap Fund Very High 65-100% 0-35% 0-35%
Sustainable Equity Fund Very High 65-100% 0-35% 0-35%

Wheel of Life Portfolio Strategy II

In this Portfolio Strategy at the commencement of the Policy, the Regular/Limited Premium and the Top up Premium, if any, would be allocated in the Funds mentioned (namely Equity Growth Fund II, Accelerator Mid-Cap Fund II, Bond Fund & Liquid Fund) in the proportion as mentioned in the table below, depending on the outstanding years to maturity.

Proportion in Following Funds
Years to Maturity Equity Growth Fund II Accelerator Mid-Cap Fund II Bond Fund Liquid Fund Total
10 & above 40% 45% 15% 0% 100%
9 35% 50% 15% 0% 100%
8 30% 55% 15% 0% 100%
7 25% 60% 15% 0% 100%
6 25% 60% 15% 0% 100%
5 20% 65% 15% 0% 100%
4 20% 55% 15% 10% 100%
3 20% 50% 15% 15% 100%
2 10% 30% 30% 30% 100%
1 0% 0% 35% 65% 100%

Trigger-Based Portfolio Strategy

Under this Portfolio Strategy, Regular/Limited Premium and Top up Premiums if any, will be allocated between the two Funds, Equity Growth Fund II (an equity-oriented Fund), and Bond Fund (a debt-oriented Fund), in a 75%: 25% proportion.

The Fund value proportions may subsequently get altered due to market movements. Any appreciation over three times the value of units is considered a gain and is switched to the Liquid Fund. Later it will be switched to the Equity Growth Fund II and the Bond Fund such that, after the transfer, the ratio of the value of units in the Equity Growth Fund II to that in the Bond Fund is restored to 75%:25%.

Auto Transfer Portfolio Strategy

This strategy helps you to invest your money systematically by automatically transferring your money every month, from a low-risk Fund to the Fund(s) of your choice.

In this Portfolio Strategy, your Premium will be allocated to Bond Fund and/or Liquid Fund, as specified by you. At the start of each monthly anniversary of the Policy, a proportion (as mentioned below) of Fund value in the Bond Fund and/or Liquid Fund as on that date will be switched to the other Fund/s (available in the plan) as specified by you.

The proportion of Fund value = 1/ Outstanding no. of months till the next premium due date

Benefits of the Bajaj Allianz Life Long-Life Goal Plan

Maturity Benefit

The Maturity Benefit will be the Fund Value as of the Maturity Date, provided the Policy is in force.

Death Benefit

If all due Premiums are paid, then, in case of unfortunate death of the Life Assured during the Policy Term, the Death Benefit payable will be higher of:

  • Prevailing Sum Assured
  • Fund Value
  • 105% of the Total Premiums paid, till the date of death.

Retired Life Income (RLI) – Survival Benefit

  • RLI pay-out is through Systematic Partial Withdrawal.
  • It is paid as a percentage of your Fund Value ranging from 0 to 12% per annum, as chosen by you, payable yearly, half-yearly, quarterly, or monthly.
  • It is paid on Policy Anniversary, starting either on attaining Age 55 years or after 10 Policy Years, whichever is later.
  • Each RLI installment will be hiked up by 0.5% over and above the percentage chosen by You. & It is called the Return Enhancer.
  • During the RLI period, you are allowed to do partial withdrawals, surrender the policy, or even exit the RLI option.

Other Benefits of the Bajaj Allianz Life Long-Life Goal Plan

Partial Withdrawal

Partial withdrawals are allowed any time after the fifth Policy Year. The minimum amount of partial withdrawal at any time is Rs. 5,000.

The Fund Value should not fall below 105% of the prevailing Annualized Premium * Premium Payment Term (PPT), after a partial withdrawal.

Periodic Return of Life Coverage or Periodic Return of Mortality Coverage (PROMC)

The total amount of the life cover charges, i.e., Mortality charges deducted in the Policy, will be added back to the Fund Value at regular intervals.

The first addition will be at the end of the Policy Year in which You attain Age 60 years or at the end of the 15th Policy Year, whichever is later. After that, at the end of each subsequent 10th Policy Year. The last addition will be done on the Maturity Date.

Loyalty Addition

The Company shall allocate Loyalty Additions to the Fund Value as a percentage of one Annualized Premium at the end of each Policy Year commencing from the end of the 5th Policy Year.

Loyalty Additions (% of One Annualized Premium)
Year Percentage
From the end of 5 years till the end of 9 year 2% every year
From the end of 10 years till the end of 14 year 4% every year
From the end of 15 years till the end of 19 year 6% every year
From the end of 20 years till the end of 25 year 7% every year

Settlement option

Option to take Maturity Benefit in installments:

You will have the option to receive your Maturity Benefit in installments (payable yearly, half-yearly, quarterly, or monthly) spread over a maximum period of 5 years.

Each Installment Amount = [Fund Value / No. of Outstanding Installment] * 1.005.

Option to take Death Benefit in installments:

In case of death of the Life Assured during the Policy term, the nominee will have the option to receive the Death Benefit in installments (payable yearly, half-yearly, quarterly, or monthly) spread over a maximum period of 5 years.

Each Installment Amount = [Fund Value / No. of Outstanding Installment] * 1.005.

A Grace Period, Revival & Discontinuance of the Bajaj Allianz Life Long-Life Goal Plan

Grace period

A grace period of 30 days for yearly, half-yearly & quarterly Premium payment frequency, and 15 days is available for the monthly Premium payment frequency from the due date of the Regular Premium payment.

Revival

The policy can be revived within 3 years from the date of the first unpaid premium.

Discontinuance

On Discontinuance of Regular Premiums due during the first 5 Policy years, the Policy will be converted immediately to a Discontinued Policy at the end of the Grace period. The Fund Value less the Discontinuance/Surrender charge, will be transferred to the Discontinued Life Policy fund. The Discontinuance Value shall be payable as the Surrender Benefit at the end of the lock-in period of 5 Policy years.

On Discontinuance of Regular Premiums due after the lock-in period of 5 Policy years, the Policy will be converted to a Paid-up Policy at the end of the grace period. The Paid-up Sum Assured will be the prevailing Sum Assured in the Policy multiplied by the proportion of the number of Premiums paid to the number of Premiums payable in the Policy.

Free Look period of the Bajaj Allianz Life Long-Life Goal Plan

If you are not satisfied with the terms & conditions of the policy, then it can be returned within 15 days of the date of receipt of this Policy and it can be extended up to 30 days in case of an electronic Policy or a Policy obtained through distance mode.

Surrendering the Bajaj Allianz Life Long-life Goal

On surrender during the lock-in period of the first five years of your Policy, the Fund Value, less the applicable Discontinuance/Surrender charge, as on the Date of Surrender, will be transferred to the Discontinued Life Policy Fund and risk cover under the Policy shall cease immediately.

On surrender after the lock-in period of the first five years of your Policy, the surrender value available will be Fund Value, as on the date of surrender, and will be payable immediately.

Various Charges under the Bajaj Allianz Life Long-Life Goal Plan

Premium Allocation Charge:

Prevailing Annualized Premium Policy Year 1 to 5 Policy Year 6 till PPT
Less than Rs.10 lacs 6% 3%
Rs. 10 lacs & above NIL
For online sales – Nil

Policy Administration Charge:

NIL

Fund Management Charge:

Fund Name Fund Management Charge per annum
Equity Growth Fund II 1.35%
Accelerator Mid-Cap Fund II 1.35%
Pure Stock Fund 1.35%
Pure Stock Fund II 1.30%
Asset Allocation Fund II 1.25%
Blue-chip Equity Fund 1.25%
Bond Fund 0.95%
Liquid Fund 0.95%
Flexi Cap Fund 1.35%
Sustainable Equity Fund 1.35%
Discontinued policy fund 0.50%

Miscellaneous Charge:

A miscellaneous charge of Rs. 100 will be charged.

Discontinuance /Surrender Charge:

It depends on the Annual premium amount & the year of discontinuance or surrender. It is nil from the 5th policy year.

Mortality / Waiver of Premium Charge:

Age Per thousand of sum at risk
Without Waiver of Premium With Waiver of Premium
Life assured Policy Holder Life Assured & Policy Holder are the Same
25 0.74 0.74 4.06 0.74
30 0.80 0.80 6.31 0.80
35 0.99 0.99 9.14 0.99
40 1.41 1.41 13.45 1.41
45 2.28 2.28 20.41 2.28
50 3.91 3.91 31.20 3.91
55 6.16 – – –
60 8.99 – – –

Advantages of the Bajaj Allianz Life Long-life Goal Plan

  • There are 4 Investment strategies & 10 Fund options available to choose from.
  • Partial withdrawals are allowed post your lock-in period.
  • Death benefit / Maturity benefit can be taken in installments.
  • Mortality charges are returned to you at regular intervals.
  • Loyalty additions will enhance your fund value.
  • Each RLI installment will be hiked up by 0.5% every year.

Disadvantages of the Bajaj Allianz Life Long-life Goal Plan

  • The net premium is invested in your chosen fund option after the deduction of charges.
  • The lock-in period is 5 years.
  • Loan option is not available.
  • Top-up premium is not available in this policy.
  • Mortality charges that are deducted from your premium are added back to the fund at a later stage without considering the time value of the money.

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

Research Methodology

The above details are just factual info that you can read from any sales brochure or any insurance portal of Bajaj Allianz. You can understand the policy better with the help of a benefit illustration.

With the given figures, let us work out the Internal rate of return of the Bajaj Allianz Life Long-Life Goal. This can be compared with other investment vehicles so that we can make a final decision about whether to purchase this policy or not.

IRR Analysis of the Bajaj Allianz Life Long-Life Goal Plan

The Assumptions for Comparison

Male 35 Years
Sum Assured Rs. 10 Lakhs
Premium Paying term 20 Years
Policy Term 99 Years of age (99-35=64 years)
Annual Premium Rs. 1 Lakh
Plan option Without Waiver of premium
RLI has not opted
Pure Stock Fund II
Life Expectancy 65 Years

Let us assume that a 35-year-old male has opted for this plan.

The following table shows the cash flow for each year.

The assumed rate of return of the fund in the worst-case & best-case scenario is 4% p.a.& 8% p.a respectively. The returns indicated at 4% and 8% are illustrative and not guaranteed, subject to Policy Terms & conditions, and do not indicate the upper or lower limits of returns under the Policy.

At 4% p.a. At 8% p.a.
Age Year Annualized premium / Maturity benefit Death benefit Annualized premium / Maturity benefit Death benefit
35 1 -1,00,000 10,00,000 -1,00,000 10,00,000
36 2 -1,00,000 10,00,000 -1,00,000 10,00,000
37 3 -1,00,000 10,00,000 -1,00,000 10,00,000
38 4 -1,00,000 10,00,000 -1,00,000 10,00,000
39 5 -1,00,000 10,00,000 -1,00,000 10,00,000
40 6 -1,00,000 10,00,000 -1,00,000 10,00,000
41 7 -1,00,000 10,00,000 -1,00,000 10,00,000
42 8 -1,00,000 10,00,000 -1,00,000 10,00,000
43 9 -1,00,000 10,00,000 -1,00,000 10,00,000
44 10 -1,00,000 10,00,000 -1,00,000 10,00,000
45 11 -1,00,000 10,00,000 -1,00,000 10,00,000
46 12 -1,00,000 10,00,000 -1,00,000 10,00,000
47 13 -1,00,000 10,00,000 -1,00,000 10,00,000
48 14 -1,00,000 10,00,000 -1,00,000 10,00,000
49 15 -1,00,000 10,00,000 -1,00,000 10,00,000
50 16 -1,00,000 10,00,000 -1,00,000 10,00,000
51 17 -1,00,000 10,00,000 -1,00,000 10,00,000
52 18 -1,00,000 10,00,000 -1,00,000 10,00,000
53 19 -1,00,000 10,00,000 -1,00,000 10,00,000
54 20 -1,00,000 10,00,000 -1,00,000 10,00,000
55 21 0 10,00,000 0 10,00,000
56 22 0 10,00,000 0 10,00,000
57 23 0 10,00,000 0 10,00,000
58 24 0 10,00,000 0 10,00,000
59 25 0 10,00,000 0 10,00,000
60 26 0 10,00,000 0 10,00,000
61 27 0 10,00,000 0 10,00,000
62 28 0 10,00,000 0 10,00,000
63 29 0 10,00,000 0 10,00,000
64 30 0 10,00,000 0 10,00,000
65 31 32,76,166 73,75,295
IRR 2.39% 6.26%

He invested for 20 years & stay invested for further 10 years. But the final value is meagre.

The IRR @4% return is 2.39% & @ 8% return is 6.26%. It doesn’t make sense to invest in Bajaj Allianz Life Long-life goal, as the bank FDs yield better returns compared to it. The value for money is not worth investing for 30 years. Also, it does not aid to combat inflation in the long run.

Bajaj Allianz Life Long-Life Goal Plan Vs. Comparison with Other Investment vehicles

Bajaj Allianz Life Long-life goal won’t help you in the process of Wealth Accumulation. As an investor, you should look for returns that will help you to build wealth for your life’s financial goals. The above illustration was worked out for an annual premium of Rs. 1 lakh. Let us find out the IRR if the same amount is invested in other investment products.

Bajaj Allianz Life Long-life Goal Plan Vs. Pure Term Insurance + PPF / ELSS

A Pure Term Insurance Policy will serve the purpose of providing you with life cover for your family in the case of your unfortunate absence.

Pure Term Policy
Sum Assured Rs. 10 Lakh
Tenure 20 years
Annual Premium Rs.5500
Contribution to other investment Rs.94500

And for Investment purposes, let us choose both high-risk & low-risk investment instruments for each to compare. Investors can choose according to their risk appetite. For Pure Term Policy, the Premium is Rs. 5,500 for Rs.10 Lakh Sum insured. The balance amount of Rs. 94500 can be invested in other investment products like PPF or ELSS.

Term Insurance + PPF Term insurance + ELSS
Age Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
35 1 -1,00,000 10,00,000 -1,00,000 10,00,000
36 2 -1,00,000 10,00,000 -1,00,000 10,00,000
37 3 -1,00,000 10,00,000 -1,00,000 10,00,000
38 4 -1,00,000 10,00,000 -1,00,000 10,00,000
39 5 -1,00,000 10,00,000 -1,00,000 10,00,000
40 6 -1,00,000 10,00,000 -1,00,000 10,00,000
41 7 -1,00,000 10,00,000 -1,00,000 10,00,000
42 8 -1,00,000 10,00,000 -1,00,000 10,00,000
43 9 -1,00,000 10,00,000 -1,00,000 10,00,000
44 10 -1,00,000 10,00,000 -1,00,000 10,00,000
45 11 -1,00,000 10,00,000 -1,00,000 10,00,000
46 12 -1,00,000 10,00,000 -1,00,000 10,00,000
47 13 -1,00,000 10,00,000 -1,00,000 10,00,000
48 14 -1,00,000 10,00,000 -1,00,000 10,00,000
49 15 -1,00,000 10,00,000 -1,00,000 10,00,000
50 16 -1,00,000 10,00,000 -1,00,000 10,00,000
51 17 -1,00,000 10,00,000 -1,00,000 10,00,000
52 18 -1,00,000 10,00,000 -1,00,000 10,00,000
53 19 -1,00,000 10,00,000 -1,00,000 10,00,000
54 20 -1,00,000 10,00,000 -1,00,000 10,00,000
55 21 0 10,00,000 0 10,00,000
56 22 0 10,00,000 0 10,00,000
57 23 0 10,00,000 0 10,00,000
58 24 0 10,00,000 0 10,00,000
59 25 0 10,00,000 0 10,00,000
60 26 0 10,00,000 0 10,00,000
61 27 0 10,00,000 0 10,00,000
62 28 0 10,00,000 0 10,00,000
63 29 0 10,00,000 0 10,00,000
64 30 0 10,00,000 0 10,00,000
65 31 83,29,096 2,15,15,764
IRR 6.83% 11.29%

The Value you get at the end of your 30-year Investment Period is Rs. 83 Lakhs & Rs. 2.15 crores under the PPF & ELSS investment options respectively.

The IRR works out to be 6.83% for PPF & it works out to be 11.29% for 8%.

The ELSS investment option has a market-linked return similar to Bajaj Allianz Life Long-life Goal. But in the Bajaj Allianz Life Long-Life Goal Plan’s yield even under the best-case scenario is just at 6.26%.

But here risk-free PPF return is more than the Bajaj Allianz Life Long-Life Goal Plan’s best-case scenario rate of return. The ELSS option helps you to accumulate wealth for your life’s financial goals which are the main agenda of investing.

Final verdict on the Bajaj Allianz Life Long-life Goal Plan

The Bajaj Allianz Life Long-life Goal plan offers an opportunity to invest in the market at the same time it provides life cover.

Though it is a market-linked product, the potential return is not on par with other investment products available in the market. From an investment perspective, it is not a lucrative option.

If you opt for the Retired Life Income (RLI), then the income from the Bajaj Allianz Life Long-Life Goal won’t be sufficient to meet your post-retirement expense. Also, the sum assuredly provided in this plan is not adequate.

You should build a diversified portfolio based on your financial goals especially to achieve your Ideal Retirement Life. A Certified Financial Planner will help you to build a diversified portfolio based on your financial requirement within the time frame you want to achieve them.


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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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