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Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan Review: Good or Bad?

Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan Review: Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

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Life is about making smart choices, especially when it comes to your Investments.

These investments help in achieving your Life’s Financial Goals.

There is a plethora of Investment Options available in the market.

Let us analyze one such Investment Option.

Bajaj Allianz Life has a Unit Linked Endowment Plan called Bajaj Allianz Life Smart Wealth Goal. It has three variants Viz.

  • Wealth
  • Child Wealth
  • Joint Life Wealth

You can choose any one of the variants at the time of inception & it can’t be changed during the policy term. This article only focuses on the Wealth Variant. You can refer to the detailed analysis of the Child Wealth Variant here.

Table of Contents:

1.)What is Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan?
2.)Features of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
3.)Eligibility Criteria for the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
4.)Investment Strategies of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
5.)Benefits under the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

  • Maturity Benefits
  • Death Benefit
  • Loyalty Benefit

6.)Various Charges under the Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan
7.)A Grace Period, Revival & Discontinuance of the Bajaj Allianz Smart Wealth Goal – Wealth Variant
8.)Free Look-Up Period of the Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan
9.)Surrendering the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
10.)Advantages of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
11.) Disadvantages of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan
12.) Research Methodology
13.) IRR Analysis of the Bajaj Smart Wealth Goal – Wealth Variant Plan
14.)Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan Vs. Other Investment Choices
15.)Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan Vs. Pure Term Insurance + PPF / ELSS
16.) Final Verdict on the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

What is Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan is a Unit-Linked, Non-Participating, Life Insurance Plan.

The plan has smart features like Life cover, Return of Life Cover charge, Return of Allocation charge, and multiple investment strategies to make the most of your investment.

Premiums paid by you, are invested, as per your chosen portfolio strategy across the various applicable Funds.

Features of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

  • It provides you with five unique portfolio strategies & ten fund options to invest.
  • You have the option to make partial withdrawals (non-systematic), any time after the fifth Policy year
  • Option to take out the Loyalty Benefits as Periodical Money Backs by way of systematic partial withdrawal
  • You will have the option to receive the Maturity Benefit/Death Benefit in instalments spread over a maximum period of five years.

Eligibility Criteria for the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

Let us look at the eligibility criteria needed to enter this plan at a glance below;

Parameter Details
Minimum Entry Age 0 years
Maximum Entry Age 60 years
Minimum Age at Maturity 18 years
Maximum Age at Maturity 99 years
Policy Term 10 years and Max 60 years
Premium Paying Term For maturity age less than or equal to 85 years: 5 years to PT chosen

For maturity age greater than 85 years: 10 years to PT chosen

Minimum Premium Yearly – 12,000

Half-yearly – 6,000

Quarterly – 3,000

Monthly – 1,000

Maximum Premium No Limit
Premium Payment Frequency Yearly, Half-yearly, Quarterly, and Monthly
Minimum & Maximum Sum Assured Min – 10 times Annualized Premium

Max – As per board approval

Minimum Top-up Sum Assured 1.25 times Top-up Premium
Maximum Top-up Sum Assured 10 times Top-up Premium

Investment Strategies of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

Bajaj Allianz Life Smart Wealth Goal – Wealth Variant provides you with five unique portfolio strategies, out of which anyone can be chosen at the inception of your policy.

    1. Investor selectable Portfolio Strategy:

If you want to allocate your Premiums based on your personal choice and decision, you can opt for this Investment 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 ll 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%
    1. 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%
    1. Trigger-Based Portfolio Strategy II:

Under this Portfolio Strategy, Regular/Limited Premiums and Top up Premiums if any, will be allocated between 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%.

    1. 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

  1. Capital Preservation-Oriented Strategy:

The objective of the strategy is to optimize risk and return, by investing across five pre-determined Funds, which are a mix of very high to low-risk Funds, in such a way that the monies invested over the years along with the accumulated returns are subjected to lesser market volatility, in the years closer to maturity. Under this strategy, at the commencement of the policy, the Regular Premium and the Top Up premium, if any, would be allocated to the Funds mentioned (namely Equity Growth Fund II, Accelerator Mid-Cap Fund II, Pure Stock Fund II, Bond Fund & Liquid Fund) in the proportion as mentioned in the table below.

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

Benefits under the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

Maturity Benefit

Provided the Policy is in force and the Life Assured is alive, the Maturity Benefit will be the Fund value as of the date of maturity of your policy.

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 or Regular Premium Fund value plus
  • Higher of, Prevailing Top up Sum Assured, or Top up Premium Fund value, if any.
  • The Death Benefit payable is subject to the Guaranteed Benefit of 105% of the Total Premiums paid, till the date of death.

Loyalty Benefit

Loyalty Benefits shall be added to the Regular Premium Fund value, provided all due Regular Premiums have been paid up to date for each Loyalty Benefit.

At Policy inception or any time before the 10th policy year, you may choose the option to take the Loyalty Benefits as Periodical Money Backs (through systematic partial withdrawals).

At the end of the 10th Policy year or the date of maturity (whichever is earlier), the total of all the Premium Allocation charges, deducted under the Policy will be added to the Fund as Loyalty Benefit.

End of Policy Year Fund Booster (%)
15th year 1.00%
20th Year 1.25%
25th Year 1.50%
30th Year 1.75%
35th Year 2.00%
40th Year 2.25%
45th Year 2.50%
50th Year 2.75%
55th Year 3.00%
60th Year 3.25%

Various Charges under the Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan

Premium Allocation Charge:

Policy Year 1 2 3 – 5 Years 6 – PPT years
Yearly Mode 12% 8% 4% NIL
Other Mode 10% 7% 4% NIL

Policy Administration Charge:

Year 1 – 5 NIL
Year 6 onwards 2.1% p.a. of the prevailing annualized Premium capped to the extent of Rs 500 per month

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 per transaction 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 Charge:

Mortality Charges will be deducted at each monthly anniversary by the cancellation of units. Female Life Assured will be eligible for an age setback of 3 years.

Inference from the charges:

These charges are common to any ULIP plan. When you look at other investment options, there is a very minimal charge & they are transparent about their costs and operations. Hefty charges & lack of transparency makes the ULIPs unattractive among their competitors.

A Grace Period, Revival & Discontinuance of the Bajaj Allianz Smart Wealth Goal – Wealth Variant

Grace period

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

Revival

Bajaj Allianz Smart Wealth Goal – Wealth Variant 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-Up Period of the Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan

If you are not satisfied with the terms & conditions of the Bajaj Allianz Smart Wealth Goal – Wealth Variant policy, then it can be returned within 15 days of the receipt of this Policy and 30 days in case of an electronic Policy or a Policy obtained through distance mode.

Surrendering the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

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.

Advantages of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

  • You can choose to increase your Premium paying term (chosen at inception) after the end of the 5th Policy year.
  • You have the option to pay Top up Premiums at any time, except during the last five Policy years.
  • You will have the option to reduce the prevailing Regular/Limited Premium under the Policy after the first five Policy years.
  • Under the Investor Selectable Portfolio Strategy, you have the choice to apportion the allocated Premium into the Funds available in the plan.
  • You can switch units from one Fund to another at any time.

Disadvantages of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

  • The premium is invested after the deduction of charges. Even though they assure you to return these charges, the time value of money is not considered.
  • Trigger-Based Portfolio Strategy II and Capital Preservation-Oriented Strategy can be opted for only at inception. Once selected, these 2 strategies can’t be switched – between these 2 categories.
  • The lock-in period is for 5 years.
  • No loan facility is available under this plan.

You can refer to the Bajaj Allianz Smart Wealth Goal – Wealth Variant Policy Brochure for more Information.

Research Methodology

Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan has various Investment Strategies to build wealth & at the same time provide Life Insurance Cover to the policyholder.

Evaluating the plan in terms of returns will help you to decide whether you should buy this plan or not. This return evaluation helps in the comparative analysis as well. So that you can select an appropriate investment product for your wealth creation process.

IRR Analysis of the Bajaj Smart Wealth Goal – Wealth Variant Plan

A 35-year-old male has taken the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Policy to meet his Life’s Financial Goals for a Policy Term of 20 years. He is paying an Annual Premium of Rs. 1 lakh for a payment term of 20 years with a Sum Assured of Rs. 10 Lakhs. Let’s see the benefits available under the Policy.

The Assumptions for Comparison

Male 35 years
Sum Assured Rs. 10 Lakhs
Policy term 20 years
Premium paying term 20 years
Annual premium Rs. 1 Lakhs

The illustration is based on the assumed return of 4% & 8% p.a at the worst and best-case scenarios respectively. The returns 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 25,87,471 40,47,048
IRR 2.39% 6.32%

The plan would be beneficial only if the Internal Rate of Return (IRR) is higher than the inflation rate in the long run. Otherwise, your money will lose purchasing power.

Here, in the illustration, the worst-case scenario of a 4% rate, yields an IRR of 2.39% which is far below the inflation rate.

In the best-case scenario of an 8% rate, it yields an IRR of 6.32% which is somewhat closer to the inflation rate. The plan invests in the equity market but the returns are similar to debt instruments. On the whole, it is not beneficial to invest in the Bajaj Smart Wealth Goal – Wealth variant in the long run.

Bajaj Allianz Smart Wealth Goal – Wealth Variant Plan Vs. Other Investment Choices

Comparing with other investment options will gain you better insights in terms of role-play of this policy in your investment portfolio. An Investment Portfolio should be well-diversified & maximize your rate of return. We can assume a yearly cash flow & all other figures, the same as that of the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan.

The Assumptions for Comparison:

Pure Term Policy
Sum Assured Rs. 10 Lakhs
Policy term 20 years
Premium paying term 20 years
Annual premium Rs.5500
The amount left for investment Rs.94500

A Pure Term Insurance Policy for a Sum assured of Rs. 10 Lakh would cost Rs. 5500 per annum for a policy term of 20 years. Out of Rs. 1 lakh, you can utilize the balance amount of Rs. 94500 for the investment of your choice.

By doing this way we can get the benefit of life cover & investment similar to the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan.

Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan Vs. Pure Term Insurance + PPF / ELSS

We have assumed a life cover similar to the illustration. But we recommend taking a Pure Term Life Insurance Policy with adequate life cover.

For Investment Purposes, you should pick an Investment Product with utmost care. High-risk investors having a time horizon of 5 – 7 years to achieve their Financial Goals can choose equity-related instruments. Investors having short-term goals or low-risk appetites should settle for the debt category.

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 41,94,722 70,62,427
IRR 6.62% 10.93%

As we discussed earlier, the IRR should be more than the Inflation rate. The Pure Term Insurance + PPF combo gives you 6.62% returns while the Pure Term Insurance + ELSS combo gives you 10.93%.

The final maturity value at this rate will help you to achieve your Financial Goals. So, after evaluating the returns & comparing them with other investments, it clearly shows the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan can’t aid you in accumulating wealth.

Final Verdict on the Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan

This plan has smart features & investment strategies to suit everyone’s needs. But even if the plan invests in equity-related instruments, the potential return is not on par with other market-related instruments that are available in the market.

The charges under the plan pull down your overall yield. Thus, Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan can’t play a major role in your Investment Portfolio.

In order to fulfil all your Life’s Financial Goals, a comprehensive Financial Plan is a must.

A Comprehensive Financial Plan must include your Emergency Corpus, Life Insurance, Health Insurance for the family & goal-based Investment Portfolio.


A Proper financial plan can be formulated by a Professional Financial Advisor.

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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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