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Max Life Flexi Wealth Plus: Review (2023) – Should you buy?

by Holistic Leave a Comment | Filed Under: Investment Planning, Investments

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We all have the responsibility to fulfill the financial dreams of our family and also to provide them with financial safety in the case of our unfortunate absence.

So let’s look at the Max Life Flexi Wealth Plus Policy and see whether it caters to our dual needs.

Max life insurance claims that Flexi wealth plus is a simple & flexible solution that combines life protection & savings for you. 

Will the Max Life Flexi Wealth Plus Plan really help you grow your wealth & provide life protection in one go? Let’s find out.

Table of Contents:

1.) What is Max Life Flexi Wealth Plus Plan?
2.) Features of Max Life Flexi Wealth Plus Plan
3.) Eligibility Criteria of Max Life Flexi Wealth Plus Plan
4.) Max Life Flexi Wealth Plus Plan at a Glance

  • Wealth variant
  • Whole Life Variant

5.)Five Investment Strategies of Max Life Flexi Wealth Plus Plan

  • Self-Managed Portfolio Strategy
  • The Systematic Transfer Plan
  • Lifecycle-Based Portfolio Strategy
  • Trigger-Based Portfolio Strategy
  • Dynamic Fund Allocation (DFA) strategy

6.)11 Fund options of Max Life Flexi Wealth Plus Plan
7.)Benefits under Max Life Flexi Wealth Plus Plan

  • Death benefit
  • Maturity Benefit
  • Survival Benefit

8.)Other Benefits of Max Life Flexi Wealth Plus Plan
9.)Various Charges of the Max Life Wealth Plus Plan
10.)Grace Period, Discontinuance & paid-up, Revival of Max Life Flexi
Wealth Plus Plan

11.) Free look period of the Max Life Flexi Wealth Plus Plan
12.) Surrendering Max Life Flexi Wealth Plus Plan
13.) Advantages of the Max Life Flexi Wealth Plus Plan
14.)Disadvantages of Max Life Flexi Wealth Plus Plan
15.)Research Methodology
16.)IRR of Max Life Flexi Wealth Plus Plan
17.)Max Life Flexi Wealth Plus Plan Vs. Other Investment Products
18.)Max Life Flexi Wealth Plus Plan Vs. Pure Term Insurance Plan + ELSS
19.)Final Verdict on Max Life Flexi Wealth Plus Plan

What is Max Life Flexi Wealth Plus Plan?

It is a Unit Linked, Non – Participating, Individual, Life Insurance plan. Based on your risk appetite, you can choose your investment strategy & funds. 

The sum assured on death is based on your policy term & premium paying term. 

On maturity you will receive the fund value as a lump sum amount or your nominee will receive the death benefit in the unfortunate case of your death.

Features of the Max Life Flexi Wealth Plus Plan

  • Options to choose the Policy Term and the Premium Payment Term at your convenience.
  • There are two variants to choose from as per your needs. Option 1 – Wealth Variant & Option 2 – Whole Life Variant.
  • You have a wide range of 11 funds and 5 investment strategies to choose from.
  • Guaranteed Loyalty Additions and Guaranteed Wealth Boosters which will enhance your Fund Value.
  • All the mortality charges you have paid during the term are returned at maturity.
  • Unlimited free switches & 12 free partial withdrawals are allowed in a year.

Eligibility Criteria of the Max Life Flexi Wealth Plus Plan

The below tabular column will give you a detailed comparison between the two options that is Wealth Variant and Whole Life Variant.

 

Wealth Variant

Whole life Variant

Minimum Age at Entry

91 days

18 years

Maximum Age at Entry

Single pay:

(65-PPT) subject to a maximum value of 55 years

1.25 times cover -70 years

10 times cover – 45 years

Limited Pay: (65-PPT) years

Regular Pay: 60 years

Minimum Maturity Age

18 years

100 years

Maximum Maturity Age

85 years

100 years

Policy Term

10 to 67 years

100-Entry age

Premium Payment mode

Single, Annual, Semi-Annual, Quarterly and Monthly.

Option

Premium Paying Term

Policy term

Wealth Variant: Single pay

Single

10 years to 30 years

Wealth Variant: Limited pay

5 to 29 years

10 years to 67years

Wealth Variant: Regular pay

10 to 67years

10 years to 67years

Whole Variant

7 to 20 years

100 less Age at entry

Premium Bands:

Band 1: Annualised premium less than ₹ 100,000 

Band 2: Annualised premium between ₹ 100,000 to ₹ 199,999 (both inclusive). 

Band 3: Annualised/Single premium of ₹ 200,000 and above

Max Life Flexi Wealth Plus Plan at a Glance

There are two types of Variants available under this plan.

Wealth variant- You can choose from multiple options of Single, Limited, and Regular pay. This variant helps you to grow your wealth while securing your family financially for a limited-term cover.

Whole Life Variant – You can choose from multiple Limited pay options. In this option, there is a death cover that is applicable for your whole life.

Five Investment Strategies of Max Life Flexi Wealth Plus Plan

  1. Self-Managed Portfolio Strategy:

In this strategy, you can manage your investments by choosing amongst the following ten (10) investment funds in the proportion of your choice.

  1. High Growth Fund 
  2. Diversified Equity Fund
  3. Growth Super Fund 
  4. Growth Fund 
  5. Sustainable Equity Fund 
  6. Balanced Fund 
  7. Conservative Fund
  8. Dynamic Bond Fund 
  9. Secure Fund 
  10. Money Market Fund

    1. The Systematic Transfer Plan: 

It allows the policyholder to duplicate the rupee cost-averaging approach on the policyholder’s annualized premium. 

First, units will be acquired in Secure Plus, then on each consecutive monthly anniversary, units available in the Secure Plus Fund will be progressively moved to the Growth Super Fund based on the following formula: 

[1 / (13 – month number in the policy year)]

    1. Lifecycle-Based Portfolio Strategy:

Based on the life change, the policyholder can choose the funds to create a balance between equity and debt. The investments are distributed between Fund 1 and Fund 2 with their proportions varying as per your different life stages.

Fund options for Fund 1:

    • Growth Super Fund 

    • Growth Fund

    • Diversified Equity Fund

Fund options for Fund 2: 

    • Secure Fund

    • Conservative Fund

    • Secure Plus Fund 

Age (last Birthday) Proportion in Fund 1 Proportion in Fund 2
Up to 25 85.00% 15.00%
26-30 80.00% 20.00%
31-35 75.00% 25.00%
36-40 70.00% 30.00%
41-45 65.00% 35.00%
46-50 50.00% 50.00%
51-55 35.00% 65.00%
56 & above 30.00% 70.00%

    1. Trigger-Based Portfolio Strategy:

This investment strategy can help you to secure your gains. Primarily this investment strategy distributes the equity and debt ratio of 75%:25% proportion. 

At each monthly anniversary of the policy, the portfolio will be rebalanced and funds will be reallocated depending on a pre-defined trigger event.

Fund options for Fund 1:

a) Growth Super Fund 

b) Growth Fund

c) Diversified Equity Fund

Fund options for Fund 2: 

a) Secure Fund  

b) Conservative Fund

c) Secure Plus Fund

    1. Dynamic Fund Allocation (DFA) strategy:

This strategy can help the policyholder to strike the right balance between debt and equity by rebalancing on yearly basis till the end of the date the policy matures. 

The funds will be divided between the Growth Super Fund and the Secure Fund in a predetermined proportion that varies according to the number of years before the policy maturity.

Number of Years to Maturity Proportion in Growth Super Fund Proportion in Secure Fund
16 & further 80% 20%
11 – 15 y 60% 40%
6 – 10 y 40% 60%
0 – 5 y 20% 80%

11 Fund options of Max Life Flexi Wealth Plus Plan

The following table will give you different types of Fund options that are available in the Max Life Flexi Wealth Plus.

Funds Equities Govt Sec Corporate bond Money Market Risk profile
High Growth 70-100 0-30 0-30 0-30 Very High
Diversified equity 70-100 0-20 0-20 0-30 High
Growth super 70-100 0-20 0-20 0-30 High
Growth 20-70 0-30 0-30 0-40 High
Sustainable equity 70-100 0-20 0-20 0-30 High
Balanced 0 – 40 20-50 20-40 0-40 Medium
Conservative 0-15 50-80 0-50 0-40 Low
Dynamic bond 0 60-100 60-100 0-40 Low
Secure 0 50-100 0-50 0-40 Low
Secure plus 0 60-100 0-40 0-40 Low
Money market 0 0 0 0-100 Low
Discontinuance Policy Fund NIL 60-100 NIL 0-40 Low

Benefits under Max Life Flexi Wealth Plus Plan

Death benefit:

On the death of the Life Insured anytime during the term of the policy, the nominee shall get the highest of the following benefits:

    • Sum Assured (reduced by applicable partial withdrawals, if any), or

    • Fund Value (as of the date of death)

    • 105% of the total premiums received up to the date of death (reduced by applicable partial withdrawals, if any), from the fund value.

Maturity Benefit:

There are two maturity benefits which are Fund Value & Return of Mortality charges.

Fund Value: On maturity, you will be eligible to receive an amount, provided the settlement option has not been exercised, equal to the Fund Value.

Return of Mortality Charges (ROMC): At the end of the policy term, on the maturity date, the total amount of mortality charges deducted in respect of life cover provided throughout the policy term, will be added back as ROMC, to the Fund Value, as applicable.

Survival Benefit:

Survival benefit includes Guaranteed Loyalty Additions and Guaranteed Wealth Boosters.

Guaranteed loyalty additions: These are payable as a percentage of the total fund value at the end of each policy year starting from the 6th policy year and at the end of each policy year thereafter, provided all due premiums have been paid.

Guaranteed Wealth Boosters: A percentage of the Fund Value to be added to the Fund by the creation of additional units, at the end of every 5 years starting from the 10th policy year. 

Premium Band Guaranteed loyalty additions Guaranteed Wealth Boosters
Band 1 NA NA
Band 2 0.25% 2%
Band 3 0.40% 2%

Other Benefits of Max Life Flexi Wealth Plus Plan

Switch:

There is no limit on the number of switches done in a policy year i.e., you may switch any number of times between the available funds without any charges being levied. The Minimum Switch amount is ₹ 5,000.

Premium Redirection:

You may redirect your future premiums between available Funds at any time. A maximum of six premium redirections are allowed in any policy year and all are free of charge.

Partial Withdrawal:

No partial withdrawals are allowed in the first five policy years and thereafter a maximum of twelve (12) partial withdrawals are allowed in any policy year. 

The minimum amount of partial withdrawal allowed per transaction is ₹ 5,000 & the maximum amount is 25% of the fund value as of the date of the partial withdrawal. Not allowed during the period of discontinuance and settlement period.

Increase or decrease in Premium Payment Term or Policy Term:

An Increase or decrease is allowed in the premium payment term and policy term under this plan subject to all the due premiums being paid and completion of the lock-in period.

Settlement Option:

“If the settlement option is chosen, then the policy will continue after the maturity date for a period not exceeding 5 years from the maturity date”. The first installment will be paid out on the Date of Maturity. 

Premium Reduction:

Available after completion of the first five policy years. Option to decrease the premium up to 50% of your original Annualized Premium, subject to the minimum premium limit.

 This option can be opted for only once during the term of the contract, and the premium once reduced, cannot be subsequently increased. The Sum Assured of the base plan will be reduced in the same proportion as the reduction in premium.

Additional rider benefit:

    • Max Life Critical Illness Rider

    • Disability Secure Rider

These riders provide benefits upon diagnosis of any of the critical illnesses covered in the policy brochure.

Various Charges of the Max Life Wealth Plus Plan

Premium Allocation Charge:

The premium allocation charge is levied as a % of each premium paid. The rate of premium allocation charge depends on the premium paying term & policy term, it ranges between 4% & 6%. There is no premium allocation charge from the 11th policy year onwards.

Policy Administration Charge:

It is a percentage of the annualized/single premium & will be deducted between year 1 and year 10 (from year 11 – zero). From the 13th month, it will inflate by 5% p.a.

Fund Management Charge:

The annual rate of the Fund Management Charge is as below:

Fund Management Charge (% of Fund Value)

Fund Name Fund Management Charge (p.a.)
Money Market II 0.90%
Secure Plus Fund 0.90%
Secure Fund 0.90%
Dynamic Bond Fund 0.90%
Conservative Fund 0.90%
Balanced Fund 1.10%
Growth Fund 1.25%
Growth Super Fund 1.25%
Diversified Equity Fund 1.25%
High Growth Fund 1.25%
Sustainable Equity Fund 1.25%
Discontinuance Policy Fund 0.50%

Mortality Charge on Death Benefit:

The charge is per 1000 of Sum at Risk and will depend on the gender and the attained age of the life insured.

Charge per 1000 of Sum at Risk;

Attained Age Age 25 Age 35 Age 45 Age 55
Male 0.84 1.08 2.32 6.76
Female 0.84 0.94 1.77 5

Surrender / Discontinuance Charge:

The surrender/discontinuance charges are expressed as the lower of X% of Annualised Premium, X% of Fund Value, ‘Y’ fixed rupee amount where X and Y vary according to the year of premium discontinuance/surrender. The charge differs for Single Pay and Limited/ Regular Pay.

Switch Charge:

All switches will be free of charge.

Premium Redirection Charge:

There is no charge for premium redirection. A maximum of six premium redirections are allowed in any Policy year.

Partial Withdrawal charges:

Partial withdrawals are free of any charge. A maximum of twelve partial withdrawals are allowed in any policy year.

Miscellaneous Charges:

There are no miscellaneous charges

Inference from these charges: 

Some of the charges are essential to run the plan /fund like mortality charges, and fund management charges. But most of the other charges weigh down the investment return like premium allocation charges, and policy administration charges. Even the discontinuance/ surrender charges lower your maturity value.

Grace Period, Discontinuance & paid-up, Revival of Max Life Flexi Wealth Plus Plan

Grace period:

A Grace Period of 15 days from the due date of the first unpaid premium will be allowed and it will be extended up to 30 days if the policyholder uses any other mode of payment.

Discontinuance & Paid-up:

Discontinuance of payment of premium during first five policy years (Lock-in Period) – Upon the expiry of the grace period, the Fund Value, by the creation of units will be credited into the Discontinued Policy Fund after deducting applicable Discontinuance Charges. 

The risk cover under the policy will stop and no further charges will be levied other than the Fund Management Charge.

Discontinuance of payment of premium post first five policy years (i.e., after the expiry of the Lock in Period) – the policy shall be converted into a reduced paid-up policy with the paid-up sum assured i.e., current sum assured multiplied by the total number of premiums paid to the original number of premiums payable as per the terms and conditions of the policy.

Revival:

You will have a Revival Period of three years from the Date of Discontinuance to revive your policy.

Free look period of the Max Life Flexi Wealth Plus Plan

If you disagree with the terms and conditions of the Max Life Flexi Wealth Plus policy, you can return the policy within a period of 15 days from the date of receipt of the policy.

If you bought this policy under other modes such as distance or electronic, then the free look period will be extended up to 30 days from the date of receipt of the policy.

Surrendering Max Life Flexi Wealth Plus Plan

You have the right to surrender the policy at any time during the Policy Term. The surrender benefit is equal to the Fund Value less applicable to surrender / discontinuance charges.

Advantages of the Max Life Flexi Wealth Plus Plan

    • You have the options to choose from 2 variants, 5 investment strategies & 11 funds.

    • Guaranteed loyalty addition & guaranteed wealth boosters to increase your fund value.

    • Return of Mortality charges.

    • You get unlimited free switches, 6 premium redirections & 12 partial withdrawals which are allowed in a policy year.

    • You are allowed to Increase or decrease the Premium Payment term or Policy Term.
    • Settlement option can be exercised during maturity.

Disadvantages of Max Life Flexi Wealth Plus Plan

    • No liquidity in the first 5 years of the policy.

    • Loyalty addition starts from the 6th year & Wealth booster starts from the 11th year onwards only.

    • The loan option is not available.

    • During the settlement period, the investor should bear the investment risk.

To gain more knowledge on Max Life Flexi Wealth Plan, you can read its Policy Brochure.

Research Methodology

Till now we have covered all the necessary information that you need to know about the Max Life Flexi Wealth Plus Plan.

But will this information be enough to determine whether this insurance plan is suitable for you or not?

Whenever you plan to invest, you should always look for the potential return that you can generate from your Financial Investments.

There is also the important factor of the time value of money which has to be considered for calculating the return. 

So, let us find out the Internal Rate of Return (IRR) for the Max life Flexi wealth Plus plan using a benefit Illustration provided on the Max Life website.

Let us analyze the IRR of Max Life Flexi Wealth Plus & then compare it with other similar investment avenues.

IRR of Max Life Flexi Wealth Plus Plan

The Assumption for Comparison:

Male 35 years
Premium Payment Term   5 years
Policy Term 10 years
Sum Assured  ₹ 10,00,000
Annualised Premium  ₹ 1,00,000
Fund chosen Balanced Fund
Variant  Wealth variant

The fund value at the end of 10 years at an assumed rate of 4% in the worst case scenario will be ₹ 5,56,594 and at an assumed rate of 8% in the best case scenario will be ₹ 7,60,100. 

Please note that the above-assumed rates of return of 4% and 8% p.a. respectively, for Balanced Fund, are not guaranteed and they are not the upper or lower limits of returns of the Funds. 

   

Wealth varient

   

At 4% p.a.

At 8% p.a.

Age Year Annualised premium / Maturity benefit Sum Assured Annualised premium / Maturity benefit Sum Assured
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 0 10,00,000 0 10,00,000
41 7 0 10,00,000 0 10,00,000
42 8 0 10,00,000 0 10,00,000
43 9 0 10,00,000 0 10,00,000
44 10 0 10,00,000 0 10,00,000
45 11 5,56,594   7,60,100  
46          
  IRR 1.35%   5.34%  

Working out IRR for this annual cash flow demonstrates that the return at the worst-case scenario is at 1.35% & the best-case scenario is at 5.34%. 

This proves that Max Life Flexi Wealth Plus plan couldn’t even reap a bank Savings account return @ 4% assumed rate & couldn’t even reap a bank FD rate @ assumed 8% rate which makes it difficult to beat inflation in the long run.

Max Life Flexi Wealth Plus Plan Vs. Other Investment Products

Since Max Life Flexi Wealth Plus is a ULIP plan, it is appropriate to compare it with any market-related investment. Also, it is important to incorporate another alternative that also provides us with life cover as the Max Life Flexi Wealth Plus Plan has life cover for the term period. 

The annual premium of Rs. 1 lakh as seen in the above illustration could be utilized for a pure-term policy for life cover & the balance amount could be invested in an ELSS mutual fund for wealth accumulation purposes.

Max Life Flexi Wealth Plus Plan Vs. Pure Term Insurance Plan + ELSS

Let us assume that a Pure Term Insurance Plan with a Sum Assured of Rs.10 lakh, a policy term of 10 years & premium paying term of 5 years has been opted. 

The annual premium for the same would be Rs. 8000. The balance amount out of Rs. 1,00,000 could be invested in the Mutual Fund ELSS fund.

Male 35 years
Sum Assured ₹ 10,00,000
Premium Payment Term 5years
Policy Term 10 years
Annualized Premium ₹ 8,000
Balance amount (ELSS) ₹ 92,000

At the end of 10 years, the fund value (post-tax) would be Rs. 10,94,262. The IRR works out to 10.16% in the Post Tax Return. This is beneficial to the investor in the long run as the return is higher than the inflation rate. 

   

Term insurance+ ELSS

Age Year Term Insurance premium + ELSS Death benefit
35 1 -1,00,000 10,00,000
36 2 -1,00,000 10,00,000
37 3 -1,00,000 10,00,000
38 4 -1,00,000 10,00,000
39 5 -1,00,000 10,00,000
40 6 0 10,00,000
41 7 0 10,00,000
42 8 0 10,00,000
43 9 0 10,00,000
44 10 0 10,00,000
45 11 10,94,262 10,00,000
46      
  IRR 10.16%  

Final Verdict on Max Life Flexi Wealth Plus Plan

This new scheme from Max Life will enable you to have flexibility in terms of the policy term, investment strategy, and also fund options. 

Since this is a ULIP. It also has some complex charges and is not very transparent in its operation. The crucial factor of how you get low IRR is mainly because of charges which get deducted before being invested in the fund yielding you low returns.

Overall, we can conclude that investing in a ULIP like Max Life Flexi Wealth Plus Plan has some pros and cons. 

If you are willing to take the risk, then you have much better market-related instruments in the market rather than investing in the Max Life Flexi Wealth Plus Plan.

You can invest in Mutual Funds that cater to your needs and also suits your time horizon. 

Any insurance scheme which provides a combination of dual benefits will not be able to generate the inflation-beating return that you are looking for. So, it is better to keep both your Insurance and Investments separate to potentially yield better returns in the long run. 

To better understand other Investment alternatives, you can discuss them with your Financial Advisor to see which will be the right fit for you.

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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.
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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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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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