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LIC New Pension Plus: Review (2023)-Should you Invest?

by Holistic Leave a Comment | Filed Under: Investments

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Any pension plan is a type of investment that helps to accumulate your retirement corpus.

  • You as a policyholder contribute regularly for a specified period. This is called the
    accumulation phase.
  • After the accumulation phase some of the plans allow the corpus to grow without any
    further contribution. This duration is called the deferment period.
  • The Final maturity value is the vesting corpus. Then the annuity is paid periodically to you either for a predefined period or Whole life depending upon the terms of the plan. This is called the Distribution phase.

“LIC’s New Pension Plus” is a pension plan which accumulates the corpus through the market-linked
product. Then the vesting corpus can be commuted partially or can be invested in any annuity
product of the Life Insurance Corporation itself. Let’s probe the features of the plan in detail.

Table Of Contents

1.) An overview of LIC New Pension Plus

2.) Features of LIC New Pension Plus

3.) Eligibility criteria & other restrictions of LIC New Pension Plus

4.) Benefits of LIC New Pension Plus

5.) Optional benefits of LIC New Pension Plus

6.) Fund options to invest

7.) Charges under LIC New Pension Plus

8.) How to cancel/surrender LIC New Pension Plus

9.) Advantages of LIC New Pension Plus

10.) Disadvantages of LIC New Pension Plus

11.) Research Methodology on LIC New Pension Plus

12.) Benefit Illustration Analysis on LIC New Pension Plus

13.) Final Verdict on LIC New Pension Plus

An overview of LIC New Pension Plus:

LIC’s New Pension Plus is a Unit Linked, Non-Participating, individual Pension plan. This plan helps to build a corpus of systematic and disciplined savings which can be converted into regular income. 

The policyholder can purchase this plan either as Single Premium or Regular Premium payment frequency. There is a choice for investing the premiums in one of the four types of investment funds available. 

On vesting (at the end of the policy term) the Fund value can be annuitized.

Features of LIC New Pension Plus:

  • Option to choose the amount of premium payable, policy term subject to minimum and maximum limits of Premium, Policy Term and Vesting Age.
  • In the case of Regular Premium, the mode of premium payment can be Yearly, Half-yearly, Quarterly or Monthly. It has to be chosen at the commencement of the policy term.
  • An Option to extend the accumulation period or deferment period within the same policy with the same terms and conditions as the original policy.
  • Each Premium paid, after the deduction of various Charges, shall be utilized to purchase units of the Fund chosen among the 4 fund options.
  • The Guaranteed Additions as a percentage of the Annual Premium/Single Premium shall be added to the Unit Fund at the end of specified policy durations.

Eligibility criteria & other restrictions of LIC New Pension Plus:

Minimum premium:

Mode/Premium Payment Frequency  Single Premium (Rs.) Regular Premium (Rs.)
Yearly  1,00,000 30,000 
Half-Yearly 16,000 
Quarterly 9,000 
Monthly (NACH) 3,000

Maximum Premium: No limit

Minimum / Maximum Age at Entry: 25 / 75 years

Minimum / Maximum Vesting age: 35 / 85 years

Minimum / Maximum Policy Term: 10 / 42 years

Premium Paying term: Single premium – Single, Regular premium – Same as policy term

Benefits of LIC New Pension Plus:

Death benefit:

On the death of the Life Assured before the date of Vesting:

The death benefit shall be payable as the higher of the following:

  • Unit Fund Value as on the date of intimation of death; or 
  • Assured Death Benefit – 105% of the Total Premiums received up to the date of death reduced by Partial Withdrawals

Utilization of the proceeds of the Policy on the death of the Life Assured:

  1. Withdraw the entire proceeds of the policy. A settlement option shall also be available which can be spread over a period of not more than five years from the date of intimation of death of Life Assured.  
  2. Utilize the entire proceeds or part thereof for purchasing an immediate or deferred annuity at the then prevailing annuity rates from the Corporation or from other Insurers (subject to 50% of the total proceeds of the insurance, commutation included).

The benefit payable on Vesting (i.e., at the end of the Policy Term):

Upon Life Assured’s continued survival till the vesting date:

Unit Fund Value shall be payable as a sum.

Annuitization of the proceeds from the vesting policy:

  1. To utilize the entire proceeds to purchase an immediate or deferred annuity at the then prevailing annuity rates from the Corporation or another Insurer (subject to 50% of entire proceeds of the policy net of commutation).
  2. To commute up to 60% and utilize the balance amount to purchase an immediate or deferred annuity at the then prevailing annuity rates from the Corporation or another Insurer (subject to 50% of the entire proceeds of the policy net of commutation).

Guaranteed Additions:

Guaranteed Additions shall be payable only if all due premiums have been paid. It shall be converted to several units and shall be credited to the opted fund. Not payable to paid-up policy.

End of Policy Year  Guaranteed Additions per annum (as a percentage of one Annual Premium)  Guaranteed Additions per annum (as a percentage of a Single Premium)
6th  5.00% 4.00%
10th  10.00% 5.00%
11th to 15th 4.00% 1.25%
16th to 20th  5.50% 1.50%
21st to 25th  7.00% 2.00%
26th to 30th  8.75% 2.50%
31st to 35th  10.75% 3.00%
36th to 40th  13.00% 3.75%
41st to 42nd  15.50% 4.50%

Whether these Guaranteed Additions help you increase your overall return or not is need to be analysed before concluding.

Optional benefits of LIC New Pension Plus:

Partial Withdrawals:

One can partially withdraw the units at any time after the 5 years lock-in period. It is allowed only for the stipulated reasons.

Options to extend the date of Vesting:

Option to extend the accumulation period or deferment period (i.e., policy term) within the same policy with the same terms and conditions as the original policy. 

Switching: 

The option to switch between any of the four funds is available where the entire fund value is switched to the new fund. After that Rs.100 per Switch. 

Settlement option:

On the death of policy holder before the vesting date & if the nominee chooses to withdraw the entire death benefit, then he has to specify the mode of paying the Death Benefit (i.e., yearly, half-yearly, quarterly or monthly instalments). It can spread over a period of not more than five years from the date of intimation of death of Life Assured.

Fund options to invest:

Unit Fund: You will have the option to choose any One of the following 4 funds to invest your premiums.

Fund Type     Govt Guaranteed Securities/ Corporate Debt Short-term investments such as money market instruments  Listed Equity Shares Risk Profile 
Pension Bond Fund 60% to 100% 0% to 40% Nil Low Risk
Pension Secured Fund  50% to 90% 0% to 40%  10% to 50% Lower to Medium Risk
Pension Balanced Fund  30% to 70%  0% to 40%  30% to 70% Medium Risk
Pension Growth Fund  0% to 60%  0% to 40%  40% to 100% High Risk
Pension Discontinued Fund 20% to 100% 0% to 80% Nil NA

Charges under LIC New Pension Plus:

Premium Allocation Charge:

This is the percentage of the Annual premium / Single premium. It depends on the policy year, annual premium amount & Mode of purchase – Offline or online. It ranges between 1.5% & 7%.

Mortality Charge: Nil

Policy Administration Charge:

This Charge shall be levied at the beginning of each policy month. This Charge shall be deducted in the first 5 years only. It shall be based on the policy year, premium paying mode – Yearly, Half-yearly, Quarterly or Monthly, Premium paying term – Single/regular pay. 

Fund Management Charge:

1.35% for all the 4 Funds

0.50% for Pension Discontinued fund.

Switching Charge: 

Within a given policy year, 4 switches shall be allowed free of charge. Subsequently Rs. 100 per switch.

Bid/Offer Spread: Nil

Discontinuance Charge:

This charge is based on the year it is discontinued, the premium amount & premium paying term. It is NIL from the 5th policy year onwards.

Partial Withdrawal Charge:

It shall be a flat amount of Rs. 100 levied on the Unit Fund Value at the time of each Partial Withdrawal of the Fund.

Miscellaneous Charge:

A flat amount of Rs. 100 will be levied for an alteration during the contract.

Insight on Charges:

Compared to other investments charges are higher, though charges like  Fund Management Charges are reasonable, some charges like Premium Allocation Charge, Discontinuous Charge, Partial Withdrawal Charge, and Miscellaneous Charges are unreasonable. 

Even though the ULIP Plans offer a 4-8% of return, if we include the charges, then we will get less than a 4-8% of investment return. 

A Grace period, Revival, Discontinuance & Paid-up policy

Grace Period:

 A grace period is 30 days for the payment of yearly or half-yearly or quarterly premiums and 15 days for monthly (NACH) premiums.

Revival: 

One can opt to revive the policy during the Revival Period of 3 years from the date of the first unpaid premium or up to the date of Vesting, whichever is earlier.

Discontinuance of policy & Paid-up policy:

Discontinuance of policy

If the policy is discontinued during the 5 years lock-in period: The policy can be revived as stated above or the policy shall continue without any risk cover and the policy shall remain invested in Discontinued Policy Fund.

Paid-up policy:

If the policy is discontinued after the 5 years lock-in- period: The policy shall be converted into a reduced paid-up policy. The policy shall continue to be in reduced paid-up status & applicable charges will be deducted from the fund.

How to cancel/surrender LIC New Pension Plus:

Free look period

If you are not satisfied with the “Terms and Conditions” of the policy, the policy may be returned to the Corporation within a period of 30 days from the date of receipt of the Policy Document

Surrender

If the policy is surrendered during the 5-year lock-in period: The Unit Fund Value, after deducting the applicable Discontinuance Charges, shall be transferred to the Discontinued Policy Fund & continues until the end of the lock-in period.

If the policy is surrendered after the 5-year lock-in period: The Unit Fund Value as on the date of intimation of surrender shall be payable on surrender to the Life Assured. There is no Discontinuance Charge under the policy. The policyholder can utilise the proceeds to buy annuity products.

Advantages of LIC New Pension Plus:

  • There is flexibility in choosing the premium paying term, and vesting period. This can be extended at any time during the policy term.
  • The mode of premium paying frequency can be chosen as per convenience
  • Fund options can be chosen based on risk profile.
  • Free switches are allowed.
  • Guaranteed addition increases the Fund value.
  • Partial withdrawal is allowed.

Disadvantages of LIC New Pension Plus:

  • There is no loan option available.
  • The lock-in period is 5 years for surrendering the policy.
  • The premium is invested after the deduction of various charges.
  • Only the death benefit proceeds are allowed to withdraw fully. On vesting, either annuitisation is done for the whole proceeds or partly commuted & then annuitized.
  • This is a combination of the ULIP & Annuity plan where the annuity plan can opt at the vesting age.

Research Methodology on LIC New Pension Plus:

Now, we have seen all the important details that we need to know about LIC New Pension Plus.

But these details can only give us an overview of this plan. It does not help us to decide, whether this ULIP plan is suitable for our portfolio or not. So, now, let’s do detailed research on LIC New Pension Plan to see whether this plan can help us or not.

First, let us calculate the IRR of LIC New Pension Plus for the worst-case scenario and the best-case scenario by using the LIC New Pension Plus online calculator.

Then, we are going to use the same value to calculate the IRR of other investments.

Later, we will compare the other investments with LIC New Pension Plus to see which gives us a better result.

This can help us to decide whether this plan is suitable for your investment portfolio or not.

Benefit Illustration Analysis on LIC New Pension Plus:

Here in the illustration, at the end of the premium paying term, the fund value (accumulated corpus) is assumed to be invested without taking any commutation in an annuity plan of the Corporation under the life annuity option. It is a lifelong annuity without a return on the purchase price.

Male 40 years
Policy term 15
PPT 15
Annual premium 1,50,000
    At 4% p.a. At 8% p.a.
Age  Year Annualised premium / Maturity benefit Death benefit Annualised premium / Maturity benefit Death benefit
41 1 -1,50,000 1,57,500 -1,50,000 1,57,500
42 2 -1,50,000 2,88,872 -1,50,000 3,05,738
43 3 -1,50,000 4,41,245 -1,50,000 4,76,158
44 4 -1,50,000 5,97,251 -1,50,000 6,57,349
45 5 -1,50,000 7,56,976 -1,50,000 8,49,988
46 6 -1,50,000 9,30,494 -1,50,000 10,64,867
47 7 -1,50,000 11,00,615 -1,50,000 12,85,789
48 8 -1,50,000 12,74,761 -1,50,000 15,20,635
49 9 -1,50,000 14,53,026 -1,50,000 17,70,281
50 10 -1,50,000 16,50,507 -1,50,000 20,50,662
51 11 -1,50,000 18,43,660 -1,50,000 23,39,713
52 12 -1,50,000 20,41,381 -1,50,000 26,46,982
53 13 -1,50,000 22,43,779 -1,50,000 29,73,616
54 14 -1,50,000 24,50,965 -1,50,000 33,20,836
55 15 -1,50,000 26,63,051 -1,50,000 36,89,940
56 16 2,14,131   2,96,701  
57 17 2,14,131   2,96,701  
58 18 2,14,131   2,96,701  
59 19 2,14,131   2,96,701  
60 20 2,14,131   2,96,701  
61 21 2,14,131   2,96,701  
62 22 2,14,131   2,96,701  
63 23 2,14,131   2,96,701  
64 24 2,14,131   2,96,701  
65 25 2,14,131   2,96,701  
66 26 2,14,131   2,96,701  
67 27 2,14,131   2,96,701  
68 28 2,14,131   2,96,701  
69 29 2,14,131   2,96,701  
70 30 2,14,131   2,96,701  
71 31 2,14,131   2,96,701  
72 32 2,14,131   2,96,701  
73 33 2,14,131   2,96,701  
74 34 2,14,131   2,96,701  
75 35 2,14,131   2,96,701  
76 36 2,14,131   2,96,701  
77 37 2,14,131   2,96,701  
78 38 2,14,131   2,96,701  
79 39 2,14,131   2,96,701  
80 40 2,14,131   2,96,701  
81 41 2,14,131   2,96,701  
82 42 2,14,131   2,96,701  
83 43 2,14,131   2,96,701  
84 44 2,14,131   2,96,701  
85 45 2,14,131   2,96,701  
           
  IRR 5.09%   6.87%  
  At the rate of 4% At the rate of 8%
Fund Value 26,63,051 36,89,940
Annual Annuity 2,14,131 2,96,701

The Fund value at the end of the premium paying term is Rs 26 lakhs & Rs. 36 lakhs but the value can’t be redeemed & utilized for any other purpose. Either it can be partly commuted & purchase an annuity plan for the rest of the fund value or utilize the entire fund value to purchase an annuity plan.

For the calculation of IRR, the life expectancy is assumed as 85 years. The annuity is assumed to be received annually from the age of 56 years to 85 years (30 years). The IRR works out in the range of 5 -7%. But the lock-in concept at the end of the policy term to buy an annuity plan is paralysing the policyholder.

LIC New Pension Plus vs. Other Investments + Pure Term Insurance:

The major drawback of the LIC New Pension Plus is the lock-in of the fund even after the end of the policy term. To overcome let us look into other products for the corpus accumulation & withdrawal phase. In the LIC New Pension Plus, there is no specified death benefit, in most cases, the fund value is payable to the nominee. There is no focus on life cover.

LIC New Pension Plus Vs. PPF Vs. ELSS

The annual premium in the above illustration is Rs. 1,50,000. Since there is no mortality charge in the policy, we also assume the whole annual premium is utilised for corpus accumulation. An amount equal to the annual premium is invested in PPF / ELSS.

    Term Insurance + PPF Term insurance + ELSS
Age  Year Term Insurance premium + PPF Term Insurance premium + ELSS
41 1 -1,50,000 -1,50,000
42 2 -1,50,000 -1,50,000
43 3 -1,50,000 -1,50,000
44 4 -1,50,000 -1,50,000
45 5 -1,50,000 -1,50,000
46 6 -1,50,000 -1,50,000
47 7 -1,50,000 -1,50,000
48 8 -1,50,000 -1,50,000
49 9 -1,50,000 -1,50,000
50 10 -1,50,000 -1,50,000
51 11 -1,50,000 -1,50,000
52 12 -1,50,000 -1,50,000
53 13 -1,50,000 -1,50,000
54 14 -1,50,000 -1,50,000
55 15 -1,50,000 -1,50,000
56 16 3,00,000 3,00,000
57 17 3,00,000 3,00,000
58 18 3,00,000 3,00,000
59 19 3,00,000 3,00,000
60 20 3,00,000 3,00,000
61 21 3,00,000 3,00,000
62 22 3,00,000 3,00,000
63 23 3,00,000 3,00,000
64 24 3,00,000 3,00,000
65 25 3,00,000 3,00,000
66 26 3,00,000 3,00,000
67 27 3,00,000 3,00,000
68 28 3,00,000 3,00,000
69 29 3,00,000 3,00,000
70 30 3,00,000 3,00,000
71 31 3,00,000 3,00,000
72 32 3,00,000 3,00,000
73 33 3,00,000 3,00,000
74 34 3,00,000 3,00,000
75 35 3,00,000 3,00,000
76 36 3,00,000 3,00,000
77 37 3,00,000 3,00,000
78 38 3,00,000 3,00,000
79 39 3,00,000 3,00,000
80 40 3,00,000 3,00,000
81 41 3,00,000 3,00,000
82 42 3,00,000 3,00,000
83 43 3,00,000 3,00,000
84 44 3,00,000 3,00,000
85 45 37,04,248 2,08,70,482
       
  IRR 7.52% 9.22%
  PPF ELSS
Corpus Accumulation (post-tax) 40,68,209.22 58,71,692.86
Annual Annuity 3,00,000 3,00,000
Final value at the age of 85 37,04,248 2,08,70,482

During the accumulation phase, Rs. 1.5 lakh is invested in PPF / ELSS & the accumulated corpus is Rs.40 lakhs & Rs. 58 lakhs respectively.

During the withdrawal phase, the corpus is invested in Equity & Debt in the ratio of 30%:70% respectively. After an annual withdrawal of Rs. 3 lakhs for 30 years, the final value of the investment is Rs. 37 lakhs & Rs. 2 crores in PPF & ELSS respectively.  

There is liquidity in this investment option. The IRR is also better than annuity rates & ELSS – IRR has the ability to beat the inflation rate.

Final Verdict on LIC New Pension Plus:

All individual wants to enjoy their golden years with financial independence. But, LIC New Pension Plus makes the policyholder left with no option at the end of the policy term, just have to pay the piper. 

One should plan in advance & start to save for retirement. But, LIC New Pension Plus is designed to serve the policyholder in the accumulation phase. The withdrawal phase (annuity plan) is not part of this plan. 

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

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So, it is better to choose a product based on the goal, risk appetite & period. Locking the funds for a long period where there are no inflation-beating returns is not advisable. As an investor look into the Risk, Return & liquidity of the product & choose wisely.

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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.
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Lionel Faber
16. September, 2021.
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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 :)
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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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