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Max Life Platinum Wealth Plan

Max Life Platinum Wealth Plan Review: Is It Worth Investing?

by Holistic Leave a Comment | Filed Under: Investments, Wealth Management

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To achieve our financial dreams, 

We work harder & try to save most of our earnings. 

But will that be enough?

Don’t we need to invest to maximize our earnings through inflation-beating returns?

Max Life Platinum Wealth Plan assures you that it will maximize your hard-earned money through market-linked returns and protect your family’s financial future, even when you are no longer around. 

Will this plan be a valuable addition to your Investment Portfolio?

Will it really help you to realize your financial dreams? 

Let us find out by conducting an in-depth analysis to help you find out the answer to this question.

Table of Contents:

1.)What is Max Life Platinum Wealth Plan?
2.)Features of Max Life Platinum Wealth Plan
3.) Eligibility Criteria of Max Life Platinum Wealth Plan
4.)Max Life Platinum Wealth Plan at a glance
5.) 6 Fund Options in the Max Life Platinum Wealth Plan
6.)Benefits of the Max Life Platinum Wealth Plan

  • Maturity Benefit
  • Death Benefit

7.) Guaranteed Loyalty Additions and Guaranteed Wealth Boosters in the Max Life Platinum Wealth Plan
8.) Other Benefits of the Max Life Platinum Wealth Plan
9.)Various Charges under the Max Life Platinum Wealth Plan
10.) A grace period, Discontinuance & paid-up, Revival of the Max Life Platinum Wealth Plan
11.) Free look period of the Max Life Platinum Wealth Plan
12.) Surrendering the Max Life Platinum Wealth Plan
13.) Advantages of the Max Life Platinum Wealth Plan
14.) Disadvantages of the Max Life Flexi Wealth Plan
15.) Research Methodology
16.) Max Life Platinum Wealth Plan – IRR Analysis
17.)Max Life Platinum Wealth Plan Vs. Other Investment Alternatives
18.) Max Life Platinum Wealth Plan Vs. Term Insurance + PPF / ELSS
19.)Final Verdict of the Max Life Platinum Wealth Plan

What is Max Life Platinum Wealth Plan?

It is a Unit Linked, non-participating, Individual, Life Insurance plan. 

Max Life Platinum Wealth Plan secures your family’s financial future with comprehensive maturity and death benefits. 

At the same time, you can also enjoy Guaranteed Loyalty Additions and Wealth Boosters as additional benefits. 

Features of the Max Life Platinum Wealth Plan

  • You can choose your Premium Payment Term and Policy Term at your convenience.
  • It provides comprehensive life Insurance coverage for you.
  • You can opt for additional cover by choosing riders.
  • Guaranteed Loyalty Additions and Guaranteed Wealth Boosters enhance your Base Policy Fund Value.
  • The policyholder has an option to decrease the premium up to 50% of the original Annualised Premium subject to the minimum premium limit, only once post the end of the 5-year lock-in period.
  • There are 6 fund options & 2 investment strategies for you to choose from.

Eligibility Criteria of the Max Life Platinum Wealth Plan

Let us look at the basic information we need to know about this policy at a glance below:

/tr>
Product Type

A Unit Linked Non-Participating Individual Life Insurance Plan

CoverageIndividual
Min. age at entry91 days
Max. age at entryPremium payment termMax. entry age
Single pay/limited pay (5 years)60
Regular Pay55
Min. maturity age18 years
Max. maturity agePremium payment termMax. maturity age
Single pay/limited pay (5 years)70
Regular Pay65
Premium payment term/policy termPremium payment termPolicy term
Single pay10
Limited pay10 to 20
Regular pay10 to 20
Annualized premiumMin.- Rs.2,00,000 (for all variants) Max.- No limit
Premium payment modeSingle pay – Premium payment is on a one-time basis
Limited pay (5 years) / Regular pay – Annual, Semi-Annual, Quarterly, or Monthly
Premium BandsBand 1: Premium of less than ₹ 5 Lakhs
Band 2: Premium of ₹ 5 Lakhs and above
Sum Assured MultipleSingle Pay: 1.25 times the Single premium
Limited Pay (5 years) / Regular Pay (10 times Annualised Premium

Max Life Platinum Wealth Plan at a glance:

Two investment Strategies:

Let us look at the two investment strategies in detail below;

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 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)]

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 policy maturity. 

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 maturity.

Number of Years to Maturity Proportion in Growth Super FundProportion in Secure Fund 
16 – 20 years80%20%
8 – 15 years70%30%
4 – 7 years50%50%
0 – 3 years20%80%

6 Fund Options in the Max Life Platinum Wealth Plan

Let us look at what funds options are available in the Max Life Platinum Wealth Plan by looking at the table given below according to the kind of fund it is and the risk profile it has.

FundsEquitiesGovt SecCorporate bondMoney MarketRisk profile
High Growth70-1000-300-300-30Very High
Growth super70-1000-200-200-30High
Growth20-700-300-300-40High
Balanced10 – 4020-5020-400-40Medium
Conservative0-1550-800-500-40Low
Secure050-1000-500-40Low

Benefits of the Max Life Platinum Wealth Plan

Maturity Benefit:

On maturity, you will be eligible to receive the Fund value, provided the settlement option has not been exercised.

Death Benefit:

In case of Death of the Life Insured anytime during the term of the policy, the following death benefit is payable;

The Death Benefit is defined as the higher of the following:

For Single Pay Variant:

Sum Assured will be equal to a higher of

  • 1.25 times the Single premium (reduced by applicable partial withdrawals, if any), or
  • 105% of cumulative premiums paid till the date of death, or
  • Total Fund Value (as of the date of death)

For Limited Pay / Regular Pay Variant:

Sum Assured will be equal to a higher of 

  • 10 times the annualized premium or 0.5 times the product of Policy, or
  • Term and annualized premium (reduced by applicable partial withdrawals, if any), or
  • 105% of cumulative premiums paid till the date of death, or
  • Total Fund Value (as of the date of death).

Guaranteed Loyalty Additions and Guaranteed Wealth Boosters in the Max Life Platinum Wealth Plan:

Guaranteed Loyalty Additions:The Company will pay an additional percentage of Fund Value to the fund by the creation of additional units, at the end of the policy year.

Guaranteed Wealth Boosters:It is an additional percentage of 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. The additional percentage will be determined by the premium paid by the Policyholder.

Other Benefits of the Max Life Platinum Wealth Plan

Switch

You may Switch between available Funds at any time during the Policy Term, subject to a minimum Switch amount of Rs.5,000. There is no limit on the number of switches done in a policy year.

Premium Redirection

You may redirect your future premiums between available Funds at any time. A maximum of six Premium Redirections are allowed for free in a policy year.

Partial Withdrawal

No partial withdrawals are allowed in the first five policy years and thereafter a maximum of two partial withdrawals with a minimum amount of Rs.5000 are allowed in any policy year.

Settlement Option:

“If settlement option is chosen, the policy will continue after the maturity date for a period not exceeding 5 years from the maturity date”.

The first instalment will be paid out on the Date of Maturity. During the settlement period, you will not be entitled to effect partial withdrawal or smart withdrawal but Switches will be allowed.

All inherent investment risks shall continue to be borne by the investor. Only Fund Management Charges, switching charges (if any), and mortality charges on death benefits will be deducted during this period.

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 opt 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 Partner Care Rider

Various Charges under the Max Life Platinum Wealth Plan

Let us look at some of the charges available in this plan below:

  1. 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 3% & 6%. There is no premium allocation charge from the 11th policy year onwards.

  1. Fund Management Charge:

The annual rates of the Fund Management Charge are mentioned below: 

Fund Management Charge (% of Fund Value)
Fund NameFund Management Charge (p.a.)
High Growth Fund1.25%
Growth Super Fund1.25%
Growth Fund1.25%
Balanced Fund1.10%
Conservative Fund0.90%
Secure Fund0.90%
Secure Plus Fund0.90%
Discontinuance Policy Fund0.50%
  1. Policy Administration Charge

This is a fixed charge of Rs.330 per month (Single pay) or Rs.400 per month (Limited Regular pay). This charge is applicable for 5 years & from the 6th policy year there is no administration charge.

  1. Mortality Charge

This charge is unisex and is levied on the attained age of the Life Insured on the Sum at Risk and these charges are guaranteed for the entire Policy Term. 

Age (in years)Mortality charge(per₹ 1,000 Sum at Risk)
0 (91 days)3.56
100.35
180.64
250.79
300.84
351.03
401.44
452.30
503.96
  1. Surrender / Discontinuance Charge

 This charge shall be levied on the Fund Value at the time of Discontinuance of the policy or effecting Complete Withdrawal (Surrender) whichever is earlier. There is no surrender / Discontinuance charge from the 5th policy year onwards.

  1. Switch Charge

 There are no charges for switching.

  1. Premium Redirection Charge 

A maximum of six Premium Redirections are allowed in each policy year and they are free of any charge.

  1. Partial Withdrawal Charge

After the first five policy years, a maximum of two Partial Withdrawals are allowed in a policy year and they are free of any charge. 

  1. Rider Charge 

In case you have opted for the Max Life Partner Care rider, a rider charge will be levied on the rider sum at risk every month.

  1. Miscellaneous Charges 

There are no miscellaneous charges for this policy.

Inference from these charges: Some of the charges are essential to run the plan like mortality charges, and fund management charges. But some charges like premium allocation charges, and policy administration charges may pull down your overall fund value. There are no discontinuance/ surrender charges for other investment products.

A grace period, Discontinuance & paid-up, Revival of the Max Life Platinum Wealth Plan 

Grace period:

A Grace Period of 30 days from the due date of the first unpaid premium will be allowed. It will be reduced to 15 days if the policyholder uses the monthly mode.

Discontinuance & Paid-up:

Discontinuance of payment of premium during the 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 the 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 the premiums paid to the original number of premiums payable as per the terms and conditions of the policy.

Revival:

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

Free look period of the Max Life Platinum Wealth Plan

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

The free look period will be extended up to 30 days if the policyholder bought the plan online or through distance mode.

Surrendering the Max Life Platinum Wealth 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.

Surrendering the Max Life Platinum Wealth Plan within five years of the Effective Date of the policy (i.e., within the Lock-in Period) – the Fund Value will be credited to the Discontinuance Policy Fund after deducting applicable Surrender / Discontinuance Charges. At the expiry of five years from the effective date of the policy (i.e., at the expiry of the Lock-in Period), you will receive the value of units in the Discontinuance Policy Fund.

Surrender after five years of the Effective Date of the policy (i.e., after the completion of the Lock-in Period) – Surrender Value which is equal to the Fund Value of the Units in the Segregated Fund(s) is receivable.

Advantages of the Max Life Platinum Wealth Plan

  • You have a choice of choosing from 2 investment strategies & 6 funds.
  • Guaranteed loyalty additions & guaranteed wealth boosters will increase your base fund value.
  • Unlimited free switches, 6 premium redirections & 2 partial withdrawals (after the lock-in period) are allowed in a policy year.
  • Settlement option can be exercised during maturity.

Disadvantages of the Max Life Flexi Wealth Plan

  • No liquidity in the first 5 years of the policy.
  • Loyalty addition starts from the 6th year (Band 1), and 11th year (Band 2) & Wealth booster starts from the 10th year only.
  • After deducting all the charges, only the net premium will be invested.
  • The loan option is not available.
  • During the settlement period, the investor should bear the investment risk.

For more details, you can read the Max Life Platinum Wealth Policy Brochure.

Research Methodology

So far, we have discussed the features & the various plan options available in the Max Life Platinum Wealth Plan. 

Next, we are proceeding with an in-depth analysis to figure out the potential return of this policy. 

Since the Max Life Platinum Wealth Policy has a lot of charges, let us understand the plan with the help of a Benefit Illustration taken from the Max Life Website.  

Max Life Platinum Wealth Plan – IRR Analysis

The Assumptions for Comparisons:

Age of Life Insured 35
Premium Payment Term 20 Years
Policy Term20 Years
Annualized Premium₹ 2,00,000
Sum Assured₹ 20,00,000

If a 35-year-old male buys the Max Life Platinum Wealth Policy for a sum assured of Rs. 20 lakhs with an annual premium of 2 lakhs. Both the premium paying term & policy term is for 20 years. 

The assumed rates of return are @ 4% p.a. at the worst-case scenario and 8% p.a. at the best-case scenario for the Balanced Fund. 

These are not guaranteed upper or lower limits of returns of the Funds selected in your policy, as the performance of the Funds is dependent on several factors including future investment performance.

At 4% p.a.At 8% p.a.
AgeYearAnnualized premium / Maturity benefitDeath benefitAnnualized premium / Maturity benefitDeath benefit
351-2,00,00020,00,000-2,00,00020,00,000
362-2,00,00020,00,000-2,00,00020,00,000
373-2,00,00020,00,000-2,00,00020,00,000
384-2,00,00020,00,000-2,00,00020,00,000
395-2,00,00020,00,000-2,00,00020,00,000
406-2,00,00020,00,000-2,00,00020,00,000
417-2,00,00020,00,000-2,00,00020,00,000
428-2,00,00020,00,000-2,00,00020,00,000
439-2,00,00020,00,000-2,00,00020,00,000
4410-2,00,00020,00,000-2,00,00020,00,000
4511-2,00,00020,00,000-2,00,00020,00,000
4612-2,00,00020,00,000-2,00,00020,00,000
4713-2,00,00020,00,000-2,00,00020,00,000
4814-2,00,00020,00,000-2,00,00020,00,000
4915-2,00,00020,00,000-2,00,00020,00,000
5016-2,00,00020,00,000-2,00,00020,00,000
5117-2,00,00020,00,000-2,00,00020,00,000
5218-2,00,00020,00,000-2,00,00020,00,000
5319-2,00,00020,00,000-2,00,00020,00,000
5420-2,00,00020,00,000-2,00,00020,00,000
5555,04,19186,21,557
IRR2.95%6.85%

The IRR under 4% & 8% of the assumed rate of return is 2.95% & 6.85% respectively. 

In the worst-case scenario of 4% p.a., your IRR only gets close to a Savings bank account rate of interest.

In the best-case scenario of 8% p.a.; your IRR works out to a Fixed bank deposit rate of interest. 

After investing for a long-time horizon of 20 years & getting this Internal Rate of Return is not beneficial to your Investment Portfolio. This will not help you to achieve the inflated cost of your financial goals in the long run. 

Any investment scheme you choose to invest in should help you to combat inflation which is not served by the Max Life Platinum wealth plan.

Max Life Platinum Wealth Plan Vs. Other Investment Alternatives

Since the Max Life Platinum Wealth plan has both life cover & investment options, we can assume a Pure Term Life Insurance for life cover & other investment alternatives for Wealth accumulation purposes. 

To fairly determine whether this plan is a good fit or not or if there are actually other better market-related investment instruments available in the market, We need to compare the Max Life Platinum Wealth Plan’s IRR with other Market investment alternatives’ IRR.

In order to achieve our financial goals, we need to invest in a better-yielding product. 

We can assume a similar cash flow as in the above illustration for comparison purposes.

Pure term insurance 
Sum Assured1 crore
Policy Term20 years
Annual Premium₹ 15,000
Balance amount for investment ₹ 1,85,000

Max Life Platinum Wealth Plan Vs. Term Insurance + PPF / ELSS

Pure term insurance for a sum assured of Rs. 1 crore would cost just Rs.15,000. 

In the above illustration, the annual cash outflow is Rs. 2 lakhs. After paying a premium for a pure-term insurance policy, you will be left with ₹ 1,85,000. 

This amount can be invested as per your choice depending on your risk appetite.

Risk-averse investors can choose debt instruments & Aggressive investors can go for equity instruments. 

Let us work out the internal rate of return for the Pure term insurance + Investments.

Term insurance + PPFTerm insurance + ELSS
AgeYearTerm Insurance premium + PPFDeath benefitTerm Insurance premium + ELSSDeath benefit
351-2,00,0001,00,00,000-2,00,0001,00,00,000
362-2,00,0001,00,00,000-2,00,0001,00,00,000
373-2,00,0001,00,00,000-2,00,0001,00,00,000
384-2,00,0001,00,00,000-2,00,0001,00,00,000
395-2,00,0001,00,00,000-2,00,0001,00,00,000
406-2,00,0001,00,00,000-2,00,0001,00,00,000
417-2,00,0001,00,00,000-2,00,0001,00,00,000
428-2,00,0001,00,00,000-2,00,0001,00,00,000
439-2,00,0001,00,00,000-2,00,0001,00,00,000
4410-2,00,0001,00,00,000-2,00,0001,00,00,000
4511-2,00,0001,00,00,000-2,00,0001,00,00,000
4612-2,00,0001,00,00,000-2,00,0001,00,00,000
4713-2,00,0001,00,00,000-2,00,0001,00,00,000
4814-2,00,0001,00,00,000-2,00,0001,00,00,000
4915-2,00,0001,00,00,000-2,00,0001,00,00,000
5016-2,00,0001,00,00,000-2,00,0001,00,00,000
5117-2,00,0001,00,00,000-2,00,0001,00,00,000
5218-2,00,0001,00,00,000-2,00,0001,00,00,000
5319-2,00,0001,00,00,000-2,00,0001,00,00,000
5420-2,00,0001,00,00,000-2,00,0001,00,00,000
5582,34,0831,38,53,654
IRR6.46%10.77%

For our analysis, we have taken PPF under debt instrument & ELSS under Equity Instrument. The returns under the ELSS Mutual Fund are post-tax returns. 

The IRR for Term Insurance + PPF is 6.46% & IRR for Term Insurance + ELSS is 10.77%. 

These rates are comparatively better than the Max Life Platinum Wealth Plan. Moreover, you get a life cover of Rs. 1 crore which is missing in the Max Life Platinum Wealth Plan. 

Final Verdict of the Max Life Platinum Wealth Plan

Max Life Platinum Wealth Plan provides you with two portfolio strategies and multiple Fund options for investors with different risk appetites. 

Though you get a market-linked return, the plan has in-built charges which make the return insufficient. There is a liquidity issue in the first 5 years. Also, the sum assured is very poor for the life cover you opt to cover for your next 10 to 20 years.

Alternatively, Pure Term Insurance offers high coverage at an affordable premium instead of paying a high premium for insurance cum savings products. Pure-term insurance makes the room for other investments. This strategy will help you to achieve your financial goals without any derailing in your plans.

If you are looking for some guidance on making your investments, you can always consult with your Financial Advisor to customize your financial plan according to your financial goals.


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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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Joseph Mathias
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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
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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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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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