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Motilal Oswal – Next Trillion Dollar Opportunities Portfolio Review: Should you Invest in this AIF?

by Holistic Leave a Comment | Filed Under: Investments

Listen to this article


Do you want to create wealth by exploring unconventional investment opportunities in addition to the traditional investments in your current portfolio?

If you have a high-risk appetite, you would be more willing to invest in equity-related instruments such as;

  • Direct Equity (stock)
  • Equity Mutual Funds
  • International Funds
  • Foreign Direct Equity

These traditional choices have a long past track record of yielding high returns.

But if you are an investor who is looking for new alternative investments to further diversify your portfolio.

Then you could have been introduced to Motilal Oswal – Next Trillion Dollar Opportunities Portfolio -Alternative Investment Fund (AIF) by your Relationship Manager.

This is different from your usual traditional investment options. 

Let us look into the AIF concept in more detail. 

Will these investments act as a diversification? 

Will these investments provide a better risk-adjusted return? 

Let’s analyse the working of AIF & performance of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio. 

So, that we can make informed investment decisions.

Table of Contents:

1.) What are AIFs?

2.) What Kind of AIF is ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’?

3.) Features of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

4.) What Kind of AIF is ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’?

5.) Features of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

6.) Investment Strategy of the Motilal Oswal – Next Trillion Dollar Opportunities
Portfolio

7.) The current portfolio of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

8.) Fees Structure of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

9.) Performance of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

10.) Comparison of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio with Mutual fund returns

11.) Taxation of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

12.) Triple Filter Test for Motilal Oswal – Next Trillion Dollar Opportunities Portfolio

13.) Final Verdict

Before we review Motilal Oswal – Next Trillion Dollar Opportunities Portfolio, let us first understand what exactly Alternative Investments are.

What are AIFs? 

AIF pools funds from investors and invests in Private Equity, Venture Capital, Hedge funds, Managed funds, etc. Whichever the fund manager sees fit.

As per SEBI regulations, there are 3 categories of AIFs in India.

  • Category I AIF
  • Category II AIF 
  • Category III AIF

The AIF Fund Managers register their fund in one of these categories based on the fund’s investment policy specified by the fund manager. 

Generally, High Net Worth Individuals (HNI) & Institutions invest in AIF as it needs huge investment. 

The Minimum ticket size is Rs. 1 crore (Angel Fund is Rs. 25 lakhs). 

The funds are generally raised through a private invitation to sophisticated investors. 

What Kind of AIF is ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’? 

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio comes under the category III AIF. 

Before getting into the features of this investment product, let us first look into the features of Category III funds. 

General regulations for category III AIF are as follows

  • The Minimum Ticket size is Rs. 1 crore.
  • It can be either an open-ended or a close-ended fund.
  • The Minimum corpus size is Rs. 20 crores.
  • It can leverage positions up to 2 times the total fund corpus.
  • It is not mandatory to make their earnings report public on a regular time interval.
  • As an investor, you do not have to worry about the taxation rules as these funds are taxable at the fund level.

Features of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

The table below shows the features of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio AIF. 

Name of the Scheme Next Trillion Dollar Opportunities Portfolio
Governed by Motilal Oswal Financial Services Ltd.
Fund manager Mr Manish Sonthalia
Inception 03-08-2007
Type Open-ended
Investment horizon Medium to long term
No. of stocks 20 -25
Market cap Multi cap
Predominantly in Large & Midcap
Sector Allocation 35% or as per benchmark
Scrip Allocation Not more than 10% in Single stock
Investment Strategy Quality, Growth, Longevity & Price
Bottom-Up Approach
Bench Mark Index Nifty 500 TRI

From an investor’s point of view, the minimum investment required probably is the one to be first considered before all the other features. 

It is not only ‘Motilal Oswal Next Trillion Dollar Opportunities Portfolio’ but all AIFs require a minimum of ₹1 Crore investment which makes it obvious that ‘Motilal Oswal Next Trillion Dollar Opportunities Portfolio’ is not an investment product for everyone. 

You may also have noticed that the fund has Nifty 500 TRI as its benchmark. 

Motilal Oswal Next Trillion Dollar Opportunities Portfolio predominantly invests in emerging large & mid-cap stocks. 

Its investment strategy aims to invest in focused companies, which are part of the next trillion-dollar GDP growth opportunity.

But since this is an unconventional investment product, there is more to Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’s investment strategy. 

Now let us take a look at Motilal Oswal Next Trillion Dollar Opportunities Portfolio by reviewing its investment strategy, current Portfolio, fee structure, and its performance one by one.

Investment Strategy of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

The investment strategy of OS – NTDOP is QGLP:

  • Quality
  • Growth
  • Longevity
  • Price

The following points give you an idea of the above strategy.

  • It strongly believes in long-term investing.
  • The low churning of stocks & lower cost enhance the return.
  • Identifying companies that have the potential to create wealth in long run.
  • Focusing on limited companies ranging from 25 to 30.
  • Maintain a balance between Growth & Value picks.
  • Investing in companies that are likely to earn 20 -25 % on their net worth going forward.

The Current portfolio of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio follows the QGLP Strategy as mentioned above to curate their portfolio by choosing stocks that will deliver better returns in the long run. By using this strategy, it has built a portfolio with 25 – 30 stocks on average at all times. 

The following table shows the current sectoral allocation as on 31 August 2022.

Top 10 Sectorial Holdings
Sector   % 
Banking Financial Services 23.71%
Pharma & Biotechnology 8.14%
IT – Software 7.43%
Textile & Apparel 7.23%
IT – Services 6.13%
Consumer durables 5.46%
Automobile 5.35%
Industrial product 4.58%
Diversified FMCG 4.10%


From the above table, it is easy to note that the majority of the sectoral allocation belongs to the banking sector as the allocation comes at around 23.71%

Top 10 Holdings
Scrip Name %
ICICI Bank Ltd 12.20
Kotak Mahindra Bank Ltd 8.27
Page Industries Ltd 7.23
L&T Technology Services Ltd 6.18
Voltas Ltd 5.46
Eicher Motors Ltd 5.35
Max Financial Services Ltd 5.18
ITC Ltd 4.10
Tech Mahindra Ltd 3.79
Gland Pharma Ltd 3.56

The first 2 spots in the top 10 holdings also belong to the banking sector which is ICICI Bank Ltd. And Kotak Mahindra Bank Ltd. Respectively.

Market Cap:

Market Cap %
Mid cap 51.5%
Large-cap 45.2%
Small cap 3.4%
cash -0.1%

         

As mentioned before, this PMS product pre-dominantly invests in the Mid-cap and Large-cap funds, and its allocation amounts to 51.5% and 45.2% respectively.

It’s easier to analyse whether this Investment product can give us better returns by understanding their portfolio in detail.

Now let us uncover the fee structure present for this product.

Fees Structure of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

The following table clearly shows the various fees charged under the fund.

Management Fee Fixed – Ranges from 1.50% to 2.50% 
Hurdle rate NIL
Set up fees Up to 2% on capital contribution
Exit load – from the Allotment date Up to 6 months – 4%

6 – 12 Months – 3%

12 – 24 months – 2%

24 – 36 months – 1%

Management fee:

Class Capital Commitment Management fee (Fixed)
B1 1Cr < 2.5 Cr 2.50%
B2 >= 2.5 Cr < 5 Cr 2.25%
B3 >= 5 Cr < 10 Cr 2.00%
B4 >= 10 Cr < 25 Cr 1.75%
B5 >= 25 Cr  1.50%

Depending upon the lumpsum investment amount the investor invests in, a fixed management fee is charged ranging from 1.5% to 2.5%. 

In addition, it has an initial setup charge with a cap of 2%. 

There is no hurdle rate. Hurdle rate refers to the rate of return, which the fund manager must beat before collecting any fee. 

But such a hurdle rate is missing in this fund.

The hurdle rate in AIFs is like a threshold for the fund manager to deduct the Carry Fee.

For example, ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ will charge 10% of the profits from the fund as the Carry Fee. 

If it had a Hurdle rate of, say 12%, the fund manager can deduct the Carry Fee of 10% only if the fund generates a return of 10% or above. 

Since the ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ has no Hurdle Rate, the fund manager will continue to deduct the Carry Fee—regardless of whether the fund generates a 2% return or a 12% return. 

In this context, the zero Asset Management Fee may not be as attractive as it looks.

You can read about the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’s brochure for further details.

Performance of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

The Benchmark Index for Motilal Oswal – Next Trillion Dollar Opportunities Portfolio is Nifty 500 TRI. 

The following is the periodic return (CAGR) of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio in both the long term & Short term. 

The data is as on 31 July 2022.

Fund 1 Year 2 Year 3 Year 4 Year 5 Year Since Inception
NTDOP -0.96% 23.79% 14.59% 7.10% 7.70% 14.95%
Nifty 500 TRI 8.63% 28.87% 18.79% 12.29% 12.04% 10.92%

From analysing the return over the past five years, it is clear that the fund has been able to outperform the index only in the long run.

 So, investors can only reap the benefits if they consider investing in the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio for the long term.

Comparison of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio with Mutual fund returns: 

Investing in the AIF ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio is similar to investing in Equity Mutual funds. 

So, we can do a comparison of whether the alpha investing in Motilal Oswal – Next Trillion Dollar Opportunities Portfolio is better and whether the risk & return are proportionate. 

First, let’s look at some of the important category returns of some equity mutual funds to get an overall idea.

  1 year 3 years 5 years Since Inception
Equity: Multi Cap 6.7 23.5 14.24 12.82
Equity: Flexi Cap 4.1 19.96 12.03 13.46
Equity: Large Cap 2.93 17.41 11.07 13.51
Equity: Large and Mid-Cap 5.54 21.57 12.27 16.39
Equity: Mid Cap 7.77 27.12 13.61 16.71
Equity: Small Cap 9.92 33.28 14.97 20.16

The above table depicts the risk & return associated with each category under the Equity category. 

Now let us look into specific fund returns. This will help us to have a greater insight into the performance of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio. 

Period Canara Robeco Blue-chip Equity Axis Midcap SBI Small Cap Parag Parikh Flexi Cap Mahindra Manulife Multi Cap Badhat Yojana NTDOP Nifty 500 TRI
1 Year 2.082 3.3705 20.0309 1.8398 9.1846 -0.96% 8.63%
2 Years 25.553 31.1636 41.3377 28.037 38.7367 23.79% 28.87%
3 Years 22.0342 27.4361 34.8741 26.3688 29.0896 14.59% 18.79%
4 Years 16.1526 19.2435 22.2922 19.4611 20.3838 7.10% 12.29%
5 Years 15.2793 18.8687 20.7085 18.801 17.1453 7.70% 12.04%
Since Inception 15.1108 19.9202 27.1663 19.57 17.5855 14.95% 10.92%

By analysing the above table, we can understand the returns of Motilal Oswal  – Next Trillion Dollar Opportunities Portfolio is similar to any large-cap fund. 

But the risk, fee structure, and transparency in the operation of Motilal Oswal – Next Trillion Dollar Opportunities Portfolio is nowhere comparable with the mutual fund schemes. 

The return is not proportionate to the degree of risk undertaken. 

Taxation of the Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

The returns stated above are post-tax returns. This category of funds is taxable at the fund level. This has no pass-through status. 

The highest rate of tax (as per the current tax slab) is charged on the profit made by this fund. 

The tax is discharged by the fund on behalf of the investors. So, investors do not have to pay additional taxes separately.

Tax on both realized and unrealized gains is factored in the NAV on an ongoing basis. Thus, it is a post-tax post-management fee NAV.

The rate at which a Cat III fund pays tax on each of these types of income is explained in the table below: (As per Budget of FY 2021-22)

Nature of Income earned by the Fund Period Maximum Marginal Rate (MMR)
Short Term Capital gains Up to 12 months 17.94%
Long Term Capital gains > 12 months 11.96%
Dividend Income – 35.88%
Unlisted – Long Term Capital gains > 24 months 28.50%
Unlisted – Short Term Capital gains Up to 24 months 42.74%
Unlisted becoming listed As per listed Criteria same as a listed security

Triple Filter Test for Motilal Oswal – Next Trillion Dollar Opportunities Portfolio:

If you are an HNI or a UHNI investor, then Motilal Oswal – Next Trillion Dollar Opportunities Portfolio will be a tempting investment product for you.

But before investing, it is important to do proper research as we shouldn’t jump into this blindly just by the return of AIF even if it seems convincing enough to invest.

“Never test the depth of the river with both your feet.”

 Be it the ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ or any other investment instrument, you can test their quality by putting them through 3 tests or filters. 

These 3 filters are only 3 simple questions directed towards the investment product in consideration—in this case, ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’. 

If ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ successfully passes these filters, you can, with a degree of certainty, add this fund to your investment portfolio. 

So, let us begin. 

Filter 1: Is the ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ well regulated?

The Securities and Exchange Board of India (SEBI) regulates the Alternative Investment Funds (AIF) in India. 

AIFs are defined in the Securities and Exchange Board of India (Alternative Investment Funds) Regulations, 2012. 

The AIF Regulations regulate the registration, operation, and winding up of the AIFs. The AIF must comply with the reporting requirements as stated by the SEBI from time to time. 

The AIF must intimate any material changes to SEBI within a reasonable time. 

SEBI just registers & regulates the norms. As per the AIF Regulations, the AIF, by itself or through its manager or sponsor is required to specify the procedure for dispute resolution arising between the investors, AIF, manager, or sponsor.

However, ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ is not supervised or regulated by the stringent rules of SEBI as it is with equity mutual funds. 

Hence, at best, ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ is a SEBI registered investment product but as a class product, it has less transparency and no stringent regulation when compared to a Mutual Fund product.

Filter 2: Does the ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ have a Good Track Record?

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio;

  • Has a track record of 15 years.
  • Has generated alpha in the long run.
  • Has consistently followed the investment strategy.
  • The performance in the short run is not satisfactory.
  • By looking into the return, it clearly shows that it could not outperform the index in the short run.

‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ has delivered a return of 14.95% over the past 2 years. And it has outperformed its benchmark by a good margin. 

If you compare the same to Equity Mutual Funds which has delivered returns up to 20% over the years through various funds such as Small, Mid, and Large-cap.

Hence it is still too early to conclude that ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ is a good fund. And it will be unwise for any investor to say otherwise without risking loss and regret. 

Filter 3: Is the ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio simple and transparent?

A Private Placement Memorandum (PPM) is prepared with key information. This PPM is not available to the general public.

It is offered for Institutions & HNIs. Very little data is shared by AIFs in the reporting system. 

There is no consolidated data available for investors. Only large institutional investors have greater access to the fund information than individual investors do. 

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio also lacks transparency & has a complicated working procedure.

Whereas Equity Mutual Funds have complete transparency which makes it safe for the investor to invest.

Final Verdict:

By diving deep and analysing from all angles, we can observe that;

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio category III AIF has:

  • strong investment strategy with a high concentration of large & mid-cap stocks, 
  • little complex fee structure and 
  • Moderate return. 

As per our assessment, ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ has not passed the fundamental triple filter test.

It is a complicated product made for sophisticated investors. It lacks the transparency that any rational investor desires.

And the fact that ‘Motilal Oswal – Next Trillion Dollar Opportunities Portfolio’ is only partially regulated, makes it even more undesirable to a retail investor. 

Moreover, the ₹1 Crore minimum investment is not an insignificant amount to an investor by any degree.  

Exposing a huge capital to a not stringently regulated investment approach could make this risk two-fold or even higher for the investor.  

Motilal Oswal – Next Trillion Dollar Opportunities Portfolio is a viable alternative only for those seeking high return/high-risk vehicles. 

Unless you really understand the ins & outs of how they work, stick to conventional investment vehicles.

Do not opt for this type of investment in the hopes of diversifying your portfolio. Because Portfolio diversification should be done only to reduce the risk.

Investing in AIF will only increase your portfolio risk.

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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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
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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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