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LIC New Jeevan Anand: Analysis & Review– Should you buy?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Do you know? LIC Jeevan Anand is one of the top-selling insurance plans among the LIC products. LIC Jeevan Anand was launched in Feb 2002. Later it was discontinued in Sep 2013. The plan benefits were revised & then it was launched as LIC New Jeevan Anand in Oct 2013.

Let us look into the features & benefits of LIC New Jeevan Anand.

Table of Contents:

1.) Outline Of Lic New Jeevan Anand

2.) Features Of Lic New Jeevan Anand

3.) Eligibility Criteria Of Lic New Jeevan Anand

4.) Benefits Of Lic New Jeevan Anand

5.) How To Cancel/surrender Lic New Jeevan Anand Plan?

6.) Advantages Of Lic New Jeevan Anand

7.) Disadvantages Of Lic New Jeevan Anand

8.) Research Methodology On Lic New Jeevan Anand

9.) Benefit Illustration Analysis Of Lic New Jeevan Anand

10.) Comparison Of Lic New Jeevan Anand With Other Products

11.) Final Verdict On Lic New Jeevan Anand

Outline of LIC New Jeevan Anand:

LIC’s New Jeevan Anand Plan is a non-linked, participating, individual, Life Assurance plan. It is an Endowment cum Whole Life Insurance Plan which offers an attractive combination of both life protection and savings.

On survival at the end of the policy term, the policyholder receives a lumpsum amount but the life cover continues throughout the lifetime of the policyholder. 

Features of LIC New Jeevan Anand:

  • Even after the payment of the Maturity benefit at the end of the policy term, the life cover continues throughout the life of policyholder.
  • The bonus declarations will enhance the maturity benefit & death benefit.
  • LIC New Jeevan Anand has a loan facility to take care of liquidity needs. 
  • Additional riders will enhance the life cover.
  • Rebate in premium for higher Sum Assured & for premium paying mode in annual & semi-annual mode.

Eligibility Criteria of LIC New Jeevan Anand:

a) Minimum Basic Sum Assured  1,00,000
b) Maximum Basic Sum Assured  No Limit
(The Basic Sum Assured shall be in multiples of 5000)
c) Minimum Age at entry  18 years (completed) 
d) Maximum Age at entry 50 years (nearer birthday)
e) Maximum Maturity Age  75 years (nearer birthday)
f) Minimum Policy Term  15 years 
g) Maximum Policy Term  35 years
h) Payment modes Yearly, Half-yearly, Quarterly, Monthly

Benefits of LIC New Jeevan Anand:

Death benefit:

Before the end of the policy term

Death benefit = Sum Assured on death + Simple reversionary bonus + Additional bonus if any.

In LIC New Jeevan Anand plan, The Sum Assured on death will be higher than that of

125% of the Basic Sum Assured or 

7 times of annualised premium or

105% of total premiums paid by the policyholder

After the end of the policy term

Basic Sum Assured is payable.

Maturity benefit:

At the end of the policy term, the policyholder will receive the “Sum Assured on Maturity” on the Date of Survival along with the Simple Reversionary Bonuses and Final Additional Bonus. Sum Assured on Maturity (Basic Sum Assured) + Simple reversionary bonus + Additional bonus if any.

Participation in profits:

The policy shall be entitled to receive Simple Reversionary Bonuses declared during the policy term provided the policy is in force. A final Additional Bonus may also be declared in the year when the policy results in a claim by death or due for the maturity benefit provided the policy is in force. Final Additional Bonus will not be paid under paid-up policies.

Additional benefits of LIC New Jeevan Anand:

Rider Benefits:

  • LIC’s Accidental Death and Disability Benefit Rider (UIN: 512B209V02)
  • LIC’s Accident Benefit Rider (UIN:512B203V03)
  • LIC’s New Term Assurance Rider (UIN: 512B210V01)
  • LIC’s New Critical Illness Benefit Rider (UIN: 512A212V01)

Option to take death benefit in instalments:

Option to collect the death benefit under an in-force and paid-up insurance in instalments over the preferred term of 5 or 10 or 15 years as opposed to a lumpsum payment.

Settlement Option for Maturity Benefit:

Option to receive Maturity Benefit over a set period of 5 or 10 or 15 years in instalments as opposed to a lump sum under an active and paid-up policy.

Policyholder can exercise this option for payment of net claim amount in instalments at least 3 months before the due date of maturity claim.

Policy Loan:

The policyholder can avail loan in the LIC New Jeevan Anand policy after completely paying the two premium terms.• For in-force policies – up to 90% of Surrender value

  • For paid-up policies – the policyholder will get up to 80% of the Surrender value

Grace Period, Revival, Paid-up Policy

Grace period:

The policyholder has a grace period of 30 days for yearly, half-yearly, and quarterly modes. It will be 15 days for the monthly mode.

Revival:

If the policyholder will not pay the premium within the grace period, then the policy will lapse. It can be revived within 5 years.

Paid-up policy:

If less than two years’ premiums have been paid – any subsequent premium be not duly paid, all the benefits under the policy shall cease after the expiry of the grace period from the date of the first unpaid premium and nothing shall be payable.

The insurance won’t be completely invalid if at least two full years’ worth of premiums has been paid; instead, it will continue as a paid-up policy if any further payments are not paid on time.

How to cancel/Surrender LIC New Jeevan Anand Plan?

Free look period

15 days from the date of policy purchase is called the free look period. During this time, if the policyholder is not satisfied with the terms and conditions of the policy, then the policyholder can cancel the policy during this period.

This free look period can be extended up to 30 days if the policy is purchased through online or telemarketing modes.

Surrender

The policyholder can surrender the LIC New Jeevan Anand Policy anytime after completely paying the two premium terms. After surrendering the policy, the policyholder will receive the higher of the following

  • Guaranteed Surrender Value or 
  • Special Surrender Value

Guaranteed Surrender value = Total premiums paid (minus additional premiums, taxes, and premiums for riders, if opted for) multiplied by the Guaranteed Surrender Value factors applicable to total premiums paid.

Advantages of LIC New Jeevan Anand:

  • Dual benefit of endowment policy & whole life policy.
  • Simple reversionary bonus & Additional bonus enhance the maturity benefit.
  • Loan option is available.
  • Option to receive the death benefit & maturity benefit in instalments
  • Tax benefit as per sec 80 C & Sec 10 (10D).
  • Premium paying terms & frequency can be selected as per convenience.
  • Rider options are available.

Disadvantages of LIC New Jeevan Anand:

  • The benefits are not guaranteed. The bonus declaration varies for each year.
  • The lock-in period is 2 years for the loan & surrendering the policy.
  • The maturity benefit at the end of the policy term will not be sufficient to meet your life goals.

Research Methodology on LIC New Jeevan Anand:

Now, we have seen the outline of the LIC New Jeevan Anand Plan. But, these details are not enough for us to decide whether we should buy this plan or not.

So, now, let’s analyze the IRR of LIC New Jeevan Anand by using the LIC New Jeevan Anand online calculator to see whether we get to benefit from this plan or not.

In this analysis, first, we are going to calculate the IRR of LIC New Jeevan Anand for the worst-case scenario and the best-case scenario.

Then, we are going to use the same value on the other investments.

Later, we are going to compare the LIC New Jeevan Anand with other investments to see which gives us a better return.

This research methodology can help us to decide whether we should buy this plan or not.

Benefit Illustration analysis of LIC New Jeevan Anand:

Let us understand the working of the plan with an illustration. The benefits of the policy are based on the bonus declaration. In this illustration, let’s take the assumed Investment Rate of Return as 4% in the worst-case scenario, and 8% in the best-case scenario. They are not the upper or lower limits. It is just an assumption.

Male 30 years
Basic Sum assured  20,00,000
Policy term 20
Annualised premium 1,12,384
Life Expectancy 85 years
    At 4% p.a. At 8% p.a.
Age  Year Annualised premium / Maturity benefit Death benefit Annualised premium / Maturity benefit Death benefit
31 1 -1,12,384 25,00,000 -1,12,384 25,00,000
32 2 -1,12,384 25,00,000 -1,12,384 25,00,000
33 3 -1,12,384 25,00,000 -1,12,384 25,00,000
34 4 -1,12,384 25,00,000 -1,12,384 25,00,000
35 5 -1,12,384 25,00,000 -1,12,384 25,00,000
36 6 -1,12,384 25,00,000 -1,12,384 25,00,000
37 7 -1,12,384 25,00,000 -1,12,384 25,00,000
38 8 -1,12,384 25,00,000 -1,12,384 25,00,000
39 9 -1,12,384 25,00,000 -1,12,384 25,00,000
40 10 -1,12,384 25,00,000 -1,12,384 25,00,000
41 11 -1,12,384 25,00,000 -1,12,384 25,00,000
42 12 -1,12,384 25,00,000 -1,12,384 25,00,000
43 13 -1,12,384 25,00,000 -1,12,384 25,00,000
44 14 -1,12,384 25,00,000 -1,12,384 25,00,000
45 15 -1,12,384 25,00,000 -1,12,384 25,00,000
46 16 -1,12,384 25,00,000 -1,12,384 25,00,000
47 17 -1,12,384 25,00,000 -1,12,384 25,00,000
48 18 -1,12,384 25,00,000 -1,12,384 25,00,000
49 19 -1,12,384 25,00,000 -1,12,384 25,00,000
50 20 -1,12,384 25,00,000 -1,12,384 25,00,000
51 21 21,60,000 20,00,000 32,50,000 20,00,000
52 22 0 20,00,000 0 20,00,000
53 23 0 20,00,000 0 20,00,000
54 24 0 20,00,000 0 20,00,000
55 25 0 20,00,000 0 20,00,000
56 26 0 20,00,000 0 20,00,000
57 27 0 20,00,000 0 20,00,000
58 28 0 20,00,000 0 20,00,000
59 29 0 20,00,000 0 20,00,000
60 30 0 20,00,000 0 20,00,000
61 31 0 20,00,000 0 20,00,000
62 32 0 20,00,000 0 20,00,000
63 33 0 20,00,000 0 20,00,000
64 34 0 20,00,000 0 20,00,000
65 35 0 20,00,000 0 20,00,000
66 36 0 20,00,000 0 20,00,000
67 37 0 20,00,000 0 20,00,000
68 38 0 20,00,000 0 20,00,000
69 39 0 20,00,000 0 20,00,000
70 40 0 20,00,000 0 20,00,000
71 41 0 20,00,000 0 20,00,000
72 42 0 20,00,000 0 20,00,000
73 43 0 20,00,000 0 20,00,000
74 44 0 20,00,000 0 20,00,000
75 45 0 20,00,000 0 20,00,000
76 46 0 20,00,000 0 20,00,000
77 47 0 20,00,000 0 20,00,000
78 48 0 20,00,000 0 20,00,000
79 49 0 20,00,000 0 20,00,000
80 50 0 20,00,000 0 20,00,000
81 51 0 20,00,000 0 20,00,000
82 52 0 20,00,000 0 20,00,000
83 53 0 20,00,000 0 20,00,000
84 54 0 20,00,000 0 20,00,000
85 55 0 20,00,000 0 20,00,000
    20,00,000   20,00,000  
           
  IRR 2.60%   4.49%  

The maturity benefit is payable at the end of the policy term & Death benefit is payable at 85 years as we have assumed a life expectancy of 85 years.

The IRR for bonus declaration throughout the policy @ 4 % would be 2.60% & for 8% the IRR would be 4.49%. The returns are far below the bank FD rates. They are not inflation-beating returns. Moreover, the maturity benefit payable at the end of the policy term will not suffice to meet any of the goals.

Comparison of LIC New Jeevan Anand with other products

Jeevan Anand policy is an insurance cum investment product. Instead of this policy, we can have a separate term insurance policy for life cover & a wealth accumulation plan to meet the goals. Based on the risk appetite the investment channel can be chosen. 

LIC New Jeevan Anand Vs. PPF Vs. ELSS

Let us assume a similar cash flow as in the benefit illustration. Each year a premium of Rs. 10,200 is paid for a pure term policy for a sum assured Rs. 25 lakhs for a tenure of 20 years. For easy comparison Sum assured & policy terms are assumed similar to the above illustration. Here the sum assured is low. But in reality, taking a pure term insurance policy with adequate cover is important.

Total cash outflow 1,12,384
Sum Assured 25,00,000
Policy term 20
Premium  10,200
Balance amount to be invested in PPF / ELSS 1,02,184
    Term Insurance + PPF Term insurance + ELSS
Age  Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
31 1 -1,12,384 25,00,000 -1,12,384 25,00,000
32 2 -1,12,384 25,00,000 -1,12,384 25,00,000
33 3 -1,12,384 25,00,000 -1,12,384 25,00,000
34 4 -1,12,384 25,00,000 -1,12,384 25,00,000
35 5 -1,12,384 25,00,000 -1,12,384 25,00,000
36 6 -1,12,384 25,00,000 -1,12,384 25,00,000
37 7 -1,12,384 25,00,000 -1,12,384 25,00,000
38 8 -1,12,384 25,00,000 -1,12,384 25,00,000
39 9 -1,12,384 25,00,000 -1,12,384 25,00,000
40 10 -1,12,384 25,00,000 -1,12,384 25,00,000
41 11 -1,12,384 25,00,000 -1,12,384 25,00,000
42 12 -1,12,384 25,00,000 -1,12,384 25,00,000
43 13 -1,12,384 25,00,000 -1,12,384 25,00,000
44 14 -1,12,384 25,00,000 -1,12,384 25,00,000
45 15 -1,12,384 25,00,000 -1,12,384 25,00,000
46 16 -1,12,384 25,00,000 -1,12,384 25,00,000
47 17 -1,12,384 25,00,000 -1,12,384 25,00,000
48 18 -1,12,384 25,00,000 -1,12,384 25,00,000
49 19 -1,12,384 25,00,000 -1,12,384 25,00,000
50 20 -1,12,384 25,00,000 -1,12,384 25,00,000
51 21 25,00,000   25,00,000  
52 22 0   0  
53 23 0   0  
54 24 0   0  
55 25 0   0  
56 26 0   0  
57 27 0   0  
58 28 0   0  
59 29 0   0  
60 30 0   0  
61 31 0   0  
62 32 0   0  
63 33 0   0  
64 34 0   0  
65 35 0   0  
66 36 0   0  
67 37 0   0  
68 38 0   0  
69 39 0   0  
70 40 0   0  
71 41 0   0  
72 42 0   0  
73 43 0   0  
74 44 0   0  
75 45 0   0  
76 46 0   0  
77 47 0   0  
78 48 0   0  
79 49 0   0  
80 50 0   0  
81 51 0   0  
82 52 0   0  
83 53 0   0  
84 54 0   0  
85 55 0   0  
    2,24,57,806   27,11,72,280  
           
  IRR 6.75%   11.49%  

As there is a maturity benefit in the illustration, we assumed a similar cash inflow at the end of the policy term of 20 years. The accumulated corpus through the investments in PPF / ELSS in the 20 years is withdrawn partially (Rs. 25 lakhs) as a maturity benefit. 

After such withdrawal, the balance amount is assumed to continue with the same investment vehicle just for compounding till the life expectancy of 85 years.

The IRR for PPF is 6.75% & the ELSS option is 11.49%. In the earlier benefit illustration, the IRR is in the range of 2.60% – 4.49%. So, in order to get better returns, the investor should end up with term insurance & other investment product based on the risk appetite & time horizon.

Final Verdict on LIC New Jeevan Anand:

LIC New Jeevan Anand promises to provide financial protection to your family as well as serves as a risk-free vehicle to invest your savings. It claims to inculcate the discipline of regular savings. 

Since it is a participating endowment policy, the profit declaration plays a major role here. There is no guarantee that your hard-earned savings fetch you a decent return on investment under the new Jeevan Anand policy.

The market is flooded with different investment products. One must weigh the suitability of the product based on risk appetite, and time frame. Choose an investment product by keeping in mind the asset allocation as well. 

Beforehand have adequate life insurance cover. The life cover should not be mixed with the investment plan.

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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.
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I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
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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,
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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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