Facebook TwitterLinkedInYoutubewhatsapp Start Planning for your Financial goals
Schedule Your Free Consultation
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
Holistic investment planners, financial planning Chennai, Private wealth management Chennai

Holistic investment planners, financial planning Chennai, Private wealth management Chennai

Financial Planning chennai India, Private wealth management chennai India, Investment Advisory India, Systematic Investment Plan, Mutual Fund SIP, Mutual Fund ELSS, Tax Saving scheme

  • Home
  • About Us
    • Who we are & What we do
    • Services
      • Financial Road Map
      • Retirement Roadmap
      • Asset Allocation Plan
      • Webinar
      • Money Management
      • Wealth Management
    • In the Media
    • Testimonials
    • What Makes Us Different
    • How we can help you
    • Specialties
    • Honors and Awards
    • Vision & Mission
  • Resources
    • Blog
    • Articles
    • Podcast
  • Ideal Client
  • Contact Us
Holistic Investment

Investment Strategy Tips – Do you invest for Applause or Returns?

by Holistic | Filed Under: Investments

Recently, while waiting at the airport lounge, I had an opportunity to converse with a young man who had an attractive engineering degree from a no.1 institution in India, and masters done from a top notch business school abroad. While industry experts talk high about the exciting opportunities in the job market, this young man had no job. I was more surprised at his reply that he was not applying for jobs at all as he is waiting for the right opportunity in his dream field which is under ‘emerging sector’ in India. He has also been ignoring suggestions from his friends to join a global company (mentioned the name of the company). When it was time to board the aircraft, we shared our contacts and bid adieu.

Isn’t going with the crowd the safe option?

A response from this young chap propelled me into a deep thought. Many clients raise a query quite often in a similar line while discussing on personal investments . Isn’t going with the popular investment model the safe option?

US House Bubble: Do you remember the US house bubble of mid 2000s? Robert Shiller’s projection of home prices in USA showed an increasing evaluation of property value by 0.4% every year from 1890 to 2004 and created a high demand for real estate in

the USA. Banks were offering loans at historically low interest rates.
Everyone wanted to own a house and lent huge sums from various banks. A high demand for a real estate and the availability of bank loans at low interest rates resulted in dumping the home owners in negative equity. The mortgage dept went higher than the actual value of their home/property. Those who projected this earlier with the appropriate data calculation escaped brilliantly from the sub-prime crisis.

Do you invest in a scheme because your friend, your colleague, your neighbor or relative is investing or talking high about that particular scheme?

Warren Buffett very aptly quotes, “Beware the investment activity that produces applause; the great moves are usually greeted by yawns”.

ULIP season without any reason: Year of 2007 was the season of ULIPs. Yes, a large insurance company launched a ulip scheme. Group of agents decided to make huge money by misselling the scheme. They have created projections like if you invest Rs.10000 for 3 years, end of 10th year you will get 3 lacs. Some agents went step ahead and told investors that on 10th year the investors will get 10 lacs.

If a lie is repeated ‘n’ number of times by ‘n’ number of people it will appear like a truth. Based on this illusion the ulip season made many agents richer and also made them win trips to foreign countries. But now investors realized that they should not have fallen prey for ULIP season. Instead they could have analyzed the reason.

You need to be careful while considering the investment model that gets highly appreciated. When a particular investment strategy is applauded highly, it pre-occupies your mind completely and makes you fall victim for counter-productivity. You miss to analyze the pros and cons or examine the results. Sometimes you tend to choose the model that doesn’t suit your requirement or earnings.

People yawned at the person who discovered and told the earth is round. Investors yawned at warren buffet when he didn’t participate in the tech rally in late 90s. Great ideas will not be appreciated at first, it will be yawned instead.

Also people will appreciate smart investment options, but will yawn at the disciplined investment approach. But disciplined approach pays more than the so called smart investment options.

Scam is the time to be panic or find the opportunity…?

Is the entity if affected by a scam the right time to invest on?. The SFIO exposed an accounting fraud of Sathyam computers, the then fourth largest IT company of India, in the mid of 2000s. In 2001, by using falsified accounts, the stock price was kept high and Sathyam showed huge investments in the international banks where it actually was starving. Even though the merger happened between TechMahindra and Satyam, forecasting the performance of the Mahindra Satyam was not easy. The book value of Satyam was a hyped one and TechMahindra was one of the growing IT companies. Rushing to invest on Mahindra Sathyam was considered a bad move then.

Because the entire crowd is panicky and sells the Satyam stocks left, right and center, it really provided an opportunity for the investors who ignore the crowd but do meticulous calculation before taking the right investment decision.

Is approval from the crowd necessary while taking investment decisions?

Do you expect people around should approve your investment decisions? Do you reject an investment because they reject that scheme?

Just listen to the theory of Benjamin Graham, whom Warren Buffet considered as his guru, here. “You are neither right nor wrong because the crowd disagrees with you. You are right because your data and reasoning are right”.

If you are habitual in seeking permission or approval from your circle for taking investment decisions, it is time to change the habit now. If you are not familiar with some business, you do not have to necessary buy stocks from that business. Unless you understand how the business works, you won’t be able to figure out the performance of the model in the future. Just because your friends or some experts say investing in a particular model is the best, do not put your hard earned money on it. You may not be able to understand or follow the course of plan.

Remember, seeking help from your friend who suggested the plan is also not feasible all the time. Likewise, when you have decided a particular model after figuring out various options and analyzing the data, do not step back just because someone is saying it is not good. Narayan Murthy was rejected by Wipro before he started Infosys. If people around you are rejecting some investment option, then it doesn’t mean that it is not a good one.

When I was about to finish this write-up, surprised to receive a call from the young man I met at the airport. Within 2 months of joining his dream job, he had earned 1.2 times compared to what he would have earned in six months if he had joined a company suggested by his friends. Do not wait for an approval from the crowd. Follow your instinct while investing, of course, which is backed up with the right data and reasoning.

To stand out from the crowd and to take the right financial and investment decisions in a simple and stress free way, I strongly recommend you to take advantage of our

Previous article: Who Else Wants More Returns and a Simple, Hassle-free Investment Method?
Next article: A Financial Checklist before you buy your Dream Home

Primary Sidebar

Client Login

Recent Posts

  • SBI Life Smart Annuity Plus: Good or Bad? A Comprehensive Analysis and Review
  • Unwrapping Mutual Funds: A Beginner’s Guide
  • LIC Bima Shree Review – Good or Bad Investment Option?
  • LIC New Money Back Policy 25-year Plan – Plan 921 Review: Good or Bad?
  • Tata Technologies IPO Review – Should You Invest?
Lingesh MMG
Lingesh MMG
20. September, 2023.
Na eppo tha financial goal la enna therunju kitta..enaku full support panna thuku thank you..🥰 friendly nalla pesuninga...
Ravi L
Ravi L
15. August, 2023.
Very knowledgeable and professional team, guided me with the precise financial solutions and timely suggestions.
Hardik Dave
Hardik Dave
5. July, 2023.
Holistic Investment is really nice and trust worthy financial planner. They plan things in realistic manner and also consider future dimensions of items also. They are always available for small or big queries, and also share knowledge and help you become more financial literate, and take right decisions in all financial matters.
Dr. Padmakar Wagh
Dr. Padmakar Wagh
27. June, 2023.
Mr Ramalingam who is the Director of Holistic investments has a excellent financial planning knowledge, the entire Holistic team has been very helpful in my financial planning journey and execution. This is my third year of financial planning with Holistic investments and so far I am satisfied with the progress I have made.
Binamra Dash
Binamra Dash
13. June, 2023.
Very knowledgeable team. Guided me properly with my concerns.
Murugan Bala
Murugan Bala
16. May, 2023.
I have been investing through Holistic for the past 4 years and my experience with them have been really good. The team of Rajan and Ramalingam doing excellent services in meeting my needs through proper guidance on investment options customized. Theya re always available on any specific needs time to time.I would recommend their services to my friends and colleagues too.
Neeraja R K
Neeraja R K
15. May, 2023.
Working with holistic investment planners was a really wonderful experience for me. For me the entire team had been very supportive in all ways. Their working strategy is well planned and methodical. They always keep me informed and updated about my investments, so that i can take informed decisions. The team first helps us understand the basics of investments, then they collect data, work with the data and then provide investments solutions according to our goals which i find it the best. Good luck to the entire team.
deepika kulkarni
deepika kulkarni
21. April, 2023.
We have availed holistic service from last couple of years and are very happy with our decision. Their systematic approach has helped us plan our finances and meet our goals. They provide very comprehensive and detail plan and resource management every 6 months which ensures we are on right track to achieve our goals. Rajan and Ramalingam from holistic are always there to help us with our queries. They have also accommodated any changes to our goals or resources mid year in a professional manner.
Ashook Panneerselvam
Ashook Panneerselvam
21. March, 2023.
For the past year, I have been interacting with Holistic Investment. I frequently read Nanayam Vikatan, which is a publication owned by the Vikatan family, and I was impressed by their financial advice. My brother also suggested holistic investing, and he also got excellent financial advice. Holistic Investment follows a methodical approach that I really liked because they first fully understand our financial situation "As Is," which includes "Assets" and "Liabilities," as well as our short-, mid-, and long-term goals, on the basis of which they provide a detailed plan on how to achieve our goals for which they are recommending various investment options. Even in the investment advice, why do they suggest particular mutual funds and what is the justification behind it, which adds transparency to the client. One essential factor is that they are always available. Even if I needed to make some urgent financial decisions, they were very helpful and kind to answer my questions via phone calls, WhatsApp messages, and emails. I was very happy with their service. Periodic reviews are also crucial, even though I have forgotten that they occur once every three months, and I also intend to renew this year.
Mahesh S
Mahesh S
19. February, 2023.
I have availed Holistic investment service for last 1yr against my early retirement decision. they provided me comprehensive detailed report how to move ahead with my existing resources. moreover, they are available to me whenever i have any doubt.. highly recommend others to avail their service
Google rating score: 4.5 of 5,
based on 104 reviews

Google Reviews

Lingesh MMG
Lingesh MMG
20. September, 2023.
Na eppo tha financial goal la enna therunju kitta..enaku full support panna thuku thank you..🥰 friendly nalla pesuninga...
Ravi L
Ravi L
15. August, 2023.
Very knowledgeable and professional team, guided me with the precise financial solutions and timely suggestions.
Hardik Dave
Hardik Dave
5. July, 2023.
Holistic Investment is really nice and trust worthy financial planner. They plan things in realistic manner and also consider future dimensions of items also. They are always available for small or big queries, and also share knowledge and help you become more financial literate, and take right decisions in all financial matters.
Dr. Padmakar Wagh
Dr. Padmakar Wagh
27. June, 2023.
Mr Ramalingam who is the Director of Holistic investments has a excellent financial planning knowledge, the entire Holistic team has been very helpful in my financial planning journey and execution. This is my third year of financial planning with Holistic investments and so far I am satisfied with the progress I have made.
Binamra Dash
Binamra Dash
13. June, 2023.
Very knowledgeable team. Guided me properly with my concerns.
Murugan Bala
Murugan Bala
16. May, 2023.
I have been investing through Holistic for the past 4 years and my experience with them have been really good. The team of Rajan and Ramalingam doing excellent services in meeting my needs through proper guidance on investment options customized. Theya re always available on any specific needs time to time.I would recommend their services to my friends and colleagues too.
Neeraja R K
Neeraja R K
15. May, 2023.
Working with holistic investment planners was a really wonderful experience for me. For me the entire team had been very supportive in all ways. Their working strategy is well planned and methodical. They always keep me informed and updated about my investments, so that i can take informed decisions. The team first helps us understand the basics of investments, then they collect data, work with the data and then provide investments solutions according to our goals which i find it the best. Good luck to the entire team.
deepika kulkarni
deepika kulkarni
21. April, 2023.
We have availed holistic service from last couple of years and are very happy with our decision. Their systematic approach has helped us plan our finances and meet our goals. They provide very comprehensive and detail plan and resource management every 6 months which ensures we are on right track to achieve our goals. Rajan and Ramalingam from holistic are always there to help us with our queries. They have also accommodated any changes to our goals or resources mid year in a professional manner.
Ashook Panneerselvam
Ashook Panneerselvam
21. March, 2023.
For the past year, I have been interacting with Holistic Investment. I frequently read Nanayam Vikatan, which is a publication owned by the Vikatan family, and I was impressed by their financial advice. My brother also suggested holistic investing, and he also got excellent financial advice. Holistic Investment follows a methodical approach that I really liked because they first fully understand our financial situation "As Is," which includes "Assets" and "Liabilities," as well as our short-, mid-, and long-term goals, on the basis of which they provide a detailed plan on how to achieve our goals for which they are recommending various investment options. Even in the investment advice, why do they suggest particular mutual funds and what is the justification behind it, which adds transparency to the client. One essential factor is that they are always available. Even if I needed to make some urgent financial decisions, they were very helpful and kind to answer my questions via phone calls, WhatsApp messages, and emails. I was very happy with their service. Periodic reviews are also crucial, even though I have forgotten that they occur once every three months, and I also intend to renew this year.
Mahesh S
Mahesh S
19. February, 2023.
I have availed Holistic investment service for last 1yr against my early retirement decision. they provided me comprehensive detailed report how to move ahead with my existing resources. moreover, they are available to me whenever i have any doubt.. highly recommend others to avail their service
Google rating score: 4.5 of 5,
based on 104 reviews

Footer

  • Articles
  • Gallery
  • Ideal Client
  • Jobs(Full Time)
  • Podcast
  • Services
  • Testimonials

Connect With Us

Holisticinvestment.in
10/15, Second Cross Street,
Seethammal Extn.,
Teynampet,
Chennai – 600 018,
INDIA.

Copyright © 2022. Holisticinvestment.in | All rights reserved.    Cared with ❤ by T-Square Cloud 1

×