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Max Life Savings Advantage Plan Review: Is It a Good Investment Choice?

Max Life Savings Advantage Plan Review: Is It a Good Investment Choice?

by Holistic Leave a Comment | Filed Under: Insurance

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Max Life Savings Advantage Plan Review: Is It a Good Investment Choice?

A sound Financial Plan can provide support to our family if an unexpected event were to happen.

Life Insurance is a key element of any good Financial Plan.

Also, you need a Financial Instrument where you can systematically save for fulfilling all your Life’s Financial Goals.

Max Life Savings Advantage Plan provides life cover & systematic investment at the same time.

This detailed review gives you an overall idea about the benefits & helps in your final decision-making of choosing the Max Life Savings Advantage Plan as your Investment option.

Table of Contents:

1.)What is Max Life Savings Advantage Plan?
2.)Features of the Max Life Savings Advantage Plan
3.)Eligibility Criteria for the Max Life Savings Advantage Plan
4.)Benefits of the Max Life Savings Advantage Plan

  • Maturity Benefits
  • Death Benefit
  • Terminal Illness Benefit
  • Bonuses

5.)A Grace Period, Discontinuance & Revival of the Max Life Savings Advantage Plan
6.)Free look Up Period of the Max Life Savings Advantage Plan
7.)Surrendering the Max Life Savings Advantage Plan
8.)Advantages of the Max Life Savings Advantage Plan
9.)Disadvantages of the Max Life Savings Advantage Plan
10.)Research Methodology
11.) IRR Analysis of the Max Life Savings Advantage Plan
12.) Max Life Savings Advantage Plan Vs. Other Investment Alternatives
13.) Max Life Savings Advantage Plan Vs. Pure Term Insurance + PPF / ELSS
14.) Final Verdict on the Max Life Savings Advantage Plan

What is Max Life Savings Advantage Plan?

It is a Non-Linked, Participating, Individual, Life Insurance Savings Plan.

It will help you grow your systematic savings and build a corpus to address your life’s financial needs while providing for risk cover at the same time to take care of your loved ones financially in case of your unfortunate death.

Features of the Max Life Savings Advantage Plan

  • Flexibility to choose your Premium Payment Term and Policy Term at your convenience.
  • The plan includes both guaranteed & non-guaranteed benefits.
  • It provides you with a guaranteed 5.5% of Guaranteed Sum Assured on Maturity as Guaranteed Additions, at the end of each policy year, for the first 5 policy years, to boost your benefits.
  • Enjoy 110% of the Guaranteed Sum Assured on maturity along with Accrued Guaranteed Additions, Accrued Paid Up Additions & Terminal Bonus (if any).
  • You have the flexibility to convert your lump sum Maturity Benefit/Death Benefit into a regular fixed income.

Eligibility Criteria for the Max Life Savings Advantage Plan

Let us look at the basic details we need to know to enter this plan at a glance below;

Minimum Maximum
Age at Entry Single Pay 8 years 65 years
Limited Pay 0 (91 Days) 60 years
Regular Pay 0 (91 Days) 45 years
Maturity Age Single Pay 18 years 75 years
Limited Pay 80 years
Regular Pay 65 years
Guaranteed Sum Assured on Maturity Single Pay 78,738 No limit
Limited Pay
&

Regular Pay

Policy Term less than 15 years: 1,69,379

Policy Term greater than and/or equal to 15 years: 24,425

Premium Paying Term Single Pay Single
Limited Pay 5 – 12 years
Regular Pay Equal to the Policy Term
Policy Term Single Pay 10 years
Limited Pay 10 – 30 years
Regular Pay 20 -30 years
Premium paying Mode Annual, Semi-Annual, Quarterly, and Monthly

Benefits of the Max Life Savings Advantage Plan

Maturity Benefit

In case the life insured has survived till the end of the policy term, the following shall be payable on maturity: Sum of:

  • 110% of the Guaranteed Sum Assured on Maturity
  • Accrued Guaranteed Additions
  • Accrued Paid Up Additions if any
  • Terminal Bonus, if any

Settlement and Commutation Option: You can choose to take the ‘Maturity Benefit’ as monthly income payable over 120 months or annual income payable over 10 years.

Death Benefit

For Single Pay Variant: A sum of the following shall be payable:

  • Guaranteed Death Benefit
  • Accrued Guaranteed Additions
  • Accrued Paid Up Additions (if any)
  • Terminal Bonus (if any)

Where Guaranteed Death Benefit for the Single Pay variant is defined as higher of:

  • 125% of the Single Premium
  • Guaranteed Sum Assured on Maturity
  • Any absolute amount assured to be paid on death (which is 110% of the Guaranteed Sum Assured on Maturity)

For Limited Pay and Regular Pay variant: A sum of the following shall be payable:

  • Guaranteed Death Benefit (before or on completion of 10 policy years)/ 110% x Guaranteed Death Benefit (after completion of 10 policy years)
  • Accrued Guaranteed Additions
  • Accrued Paid Up Additions (if any)
  • Terminal Bonus (if any)

Where Guaranteed Death Benefit for Limited Pay and Regular Pay variant is defined as higher of:

  • 11 times the Annualised Premium plus underwriting extra premium
  • 105% of total premiums paid plus underwriting extra premium as on the date of death of Life Insured
  • Guaranteed Sum Assured on Maturity
  • Any absolute amount assured to be paid on death (which is 110% of the Guaranteed Sum Assured on Maturity)

Regular Monthly/Annual Income for 10 years: You/the nominee can choose to take 12.46% of ‘Death Benefit’ as annual income payable for 10 years, or 1.07% of ‘Death Benefit’ as monthly income payable for 120 months.

Terminal Illness Benefit

If the Life Insured is diagnosed to be suffering from a disease that is likely to lead to death within 6 months of diagnosis, then the Company will advance 50% of the Guaranteed Sum Assured on Maturity upon the Policyholder’s request.

Bonuses

Annual Bonus:

Paid Up Additions: The bonus once declared shall accrue and be payable in full on earlier of death or maturity.

Premium Offset: Upon declaration of Paid-Up Additions each year, the Surrender Value of Paid-Up Additions shall be utilized to offset the future Premium.

Paid In Cash: Upon declaration of Paid-Up Additions each year, the Surrender Value of Paid-Up Additions shall be payable to Policyholder every year till the end of the Policy Term.

Terminal Bonus:

Terminal Bonus is an additional bonus paid only ONCE, on earlier of death, surrender, or maturity, provided the policy has been in force for at least 5 years.

A Grace Period, Discontinuance & Revival of the Max Life Savings Advantage Plan

Grace period:

A Grace Period of 30 days from the due date for payment of each premium will be allowed for all premium paying modes except for monthly mode, where a grace period of only 15 days will be allowed.

Discontinuance:

Discontinuance of Payment of Premium before the Policy has acquired surrender value – On the expiry of the grace period, the Policy shall lapse w.e.f. the due date of unpaid premium, insurance cover will be stopped and no benefits shall be payable.

Discontinuance of Payment of Premium after the Policy has acquired surrender value – On the expiry of the grace period, the Policy shall become Reduced Paid-Up (RPU) Policy w.e.f. the due date of unpaid premium. The Death Benefit, Survival Benefit, Maturity Benefit, and Surrender Benefit for a Policy in RPU mode will be reduced in the ratio of the total premium paid to the total premium payable under the policy.

Revival:

Once the Policy has lapsed, it can be revived within a revival period of five years from the due date of the first unpaid premium.

Free look Up Period of the Max Life Savings Advantage Plan

You have the option to return the Policy within a period of 15 days to the insurance company if you disagree with any of the terms and conditions of the policy. The Free Look-Up Period will be extended up to 30 days from the date of receipt of the Policy document in case the Policy has been bought online or through Distance Marketing.

Surrendering the Max Life Savings Advantage Plan

The Policy cannot be surrendered before it has acquired the Surrender Value. The policy acquires a Guaranteed Surrender Value on payment of two full years’ premium (For a Single premium – on payment of the premium).

If the Policy has been surrendered post it has acquired the Surrender Value, then the same shall be payable to you. Surrender Value is defined as the higher Guaranteed Surrender Value (GSV) or Special Surrender Value (SSV).

Advantages of the Max Life Savings Advantage Plan

  • The plan has a component called Minimum Guaranteed Sum Assured on Maturity which ensures a guaranteed amount.
  • The plan has an in-built Terminal illness benefit option.
  • It also offers other riders that enhance the life cover.
  • There is a loan facility to meet emergencies Post the lock-in period.
  • Tax benefit Section 80(C) and Section 10(10D) of Income Tax Act 1961 on the Premiums paid and benefits received by you respectively.

Disadvantages of the Max Life Savings Advantage Plan

  • The maturity benefit depends on the annual bonus rate. So, you can’t earmark the maturity amount with any of your financial goals.
  • The sum assured is not adequate to protect your family financially.
  • More benefits are available for policies having more than 15 years of policy term.

You can refer to the Max Life Savings Advantage Policy Brochure for further details.

Research Methodology

So far, we have discussed the features & the benefit options of the Max Life Savings Advantage Plan.

Understanding the plan with a benefit illustration will help you to estimate the return on investment. This return can be compared with other investment options for better visibility.

IRR Analysis of the Max Life Savings Advantage Plan

If a 35-year-old male buys this plan for an annualized premium of Rs.35000, then the Guaranteed Sum Assured on Maturity is Rs. 6.06 lakhs. The policy term & premium paying term is 20 years.

The Assumptions for Comparison:

Male 35 Years
Policy Term 20 Years
Premium Paying Term 20 Years
Annualized premium Rs. 35000
Guaranteed Sum Assured on Maturity Rs. 6,06,796

Although there is a guaranteed sum assured on maturity, the maturity benefit varies depending on the bonus rate. The best- & worst-case scenarios are depicted at an assumed rate of returns of 4% and 8% and these are not the upper or lower limits of what one can expect from this policy. It is dependent on several factors including future investment performance.

At 4% p.a. At 8% p.a.
Age Year Annualized premium / Maturity benefit Death benefit Annualized premium / Maturity benefit Death benefit
35 1 -35,000 385000 + Bonus -35,000 385000 + Bonus
36 2 -35,000 385000 + Bonus -35,000 385000 + Bonus
37 3 -35,000 385000 + Bonus -35,000 385000 + Bonus
38 4 -35,000 385000 + Bonus -35,000 385000 + Bonus
39 5 -35,000 385000 + Bonus -35,000 385000 + Bonus
40 6 -35,000 385000 + Bonus -35,000 385000 + Bonus
41 7 -35,000 385000 + Bonus -35,000 385000 + Bonus
42 8 -35,000 385000 + Bonus -35,000 385000 + Bonus
43 9 -35,000 385000 + Bonus -35,000 385000 + Bonus
44 10 -35,000 385000 + Bonus -35,000 385000 + Bonus
45 11 -35,000 385000 + Bonus -35,000 385000 + Bonus
46 12 -35,000 385000 + Bonus -35,000 385000 + Bonus
47 13 -35,000 385000 + Bonus -35,000 385000 + Bonus
48 14 -35,000 385000 + Bonus -35,000 385000 + Bonus
49 15 -35,000 385000 + Bonus -35,000 385000 + Bonus
50 16 -35,000 385000 + Bonus -35,000 385000 + Bonus
51 17 -35,000 385000 + Bonus -35,000 385000 + Bonus
52 18 -35,000 385000 + Bonus -35,000 385000 + Bonus
53 19 -35,000 385000 + Bonus -35,000 385000 + Bonus
54 20 -35,000 385000 + Bonus -35,000 385000 + Bonus
55 9,19,344 12,99,747
IRR 2.53% 5.58%

The Internal Rate of Return (IRR) for the Max life Savings Advantage Plan under the worst-case scenario is 2.53% & in the best-case scenario is 5.58%.

The policy term is 20 years. At the end of the policy term, the maturity benefit will not help you to meet any of your Financial Goals. The reason behind this is the IRR in both cases is less than the inflation rate in the long term.

On the whole, the death benefit is not adequate & also the investment return is not beneficial for Investor in the long run.

Max Life Savings Advantage Plan Vs. Other Investment Alternatives

Your investment should aid you in fulfilling your Financial Dreams. Here, the Max Life Savings Advantage Plan doesn’t aid you in attaining your Financial Goals. Let us look at other Investment Options in the market that serves the purpose.

Pure Term Insurance Policy is available at an affordable price for high-life coverage. For investment, select products based on your personal risk appetite, time horizon & goals.

We have assumed the annual premium, policy term & other metrics similar to the Max Life Saving Advantage Plan. The life cover in this plan is not adequate but to have an analogy we have assumed such a low sum assured.

Max Life Savings Advantage Plan Vs. Pure Term Insurance + PPF / ELSS

The Assumptions for Comparison:

Pure Term Policy
Sum Assured Rs. 5 Lakhs
Policy Term 20 Years
Premium Paying Term 20 Years
Annualized premium Rs. 2800
The amount left for investment Rs. 32200

After paying the annualized premium of Rs. 2800, the balance amount of Rs. 33200 can be utilized for Investment Purposes. You can choose either Debt or Equity. Here, we have assumed one instrument under each category.

Term Insurance + PPF Term insurance + ELSS
Age Year Term Insurance premium + PPF Death benefit Term Insurance premium + ELSS Death benefit
35 1 -35,000 5,00,000 -35,000 5,00,000
36 2 -35,000 5,00,000 -35,000 5,00,000
37 3 -35,000 5,00,000 -35,000 5,00,000
38 4 -35,000 5,00,000 -35,000 5,00,000
39 5 -35,000 5,00,000 -35,000 5,00,000
40 6 -35,000 5,00,000 -35,000 5,00,000
41 7 -35,000 5,00,000 -35,000 5,00,000
42 8 -35,000 5,00,000 -35,000 5,00,000
43 9 -35,000 5,00,000 -35,000 5,00,000
44 10 -35,000 5,00,000 -35,000 5,00,000
45 11 -35,000 5,00,000 -35,000 5,00,000
46 12 -35,000 5,00,000 -35,000 5,00,000
47 13 -35,000 5,00,000 -35,000 5,00,000
48 14 -35,000 5,00,000 -35,000 5,00,000
49 15 -35,000 5,00,000 -35,000 5,00,000
50 16 -35,000 5,00,000 -35,000 5,00,000
51 17 -35,000 5,00,000 -35,000 5,00,000
52 18 -35,000 5,00,000 -35,000 5,00,000
53 19 -35,000 5,00,000 -35,000 5,00,000
54 20 -35,000 5,00,000 -35,000 5,00,000
55 14,29,313 24,13,049
IRR 6.39% 10.73%

By inferring the final maturity value, you could see a vast difference between the Max Life Savings Advantage Plan & other Investment Options.

The IRR for the Pure Term Insurance + PPF which is a Debt Instrument combination yields 6.39%.

The Pure Term Insurance + ELSS which is an Equity Instrument combination yields 10.73% which is a Post-tax return.

Risk-averse Investors can choose Debt Instruments Combination. Generally, the yield would be matching the inflation but you get a fixed/steady return in this category.

On the other hand, those who are ready to take risks & whose Financial Goals are in the long term can choose Equity Instruments Combination. This helps to beat inflation in the long run.

Final Verdict on the Max Life Savings Advantage Plan

Max Life Savings Advantage Plan offers comprehensive protection & long-term savings. It has a Guaranteed Sum Assured on Maturity.

Since it is a participating policy the annual rate declared every year decides the final Maturity amount. You can’t utilize this maturity amount to fulfil your Financial Dreams.

A Proper Financial Plan can help you to fulfil your Financial Dreams.

Opting for an appropriate Life Cover & building an Investment Portfolio is part of a Holistic Financial Plan.

You can always consult with your Professional Financial Advisor to customise your Financial Plan according to your risk appetite and Financial Goals for better results.

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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

Google Reviews

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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