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

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Holistic Investment

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

by Holistic | Filed Under: Investments, Uncategorized

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 check list before you buy your Dream Home

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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

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