I have been financially advised by Holistic Investment Planners since 2005 and I have had a very good experience. The sound financial advice they gave me helped me to achieve my financial goals. The Financial Advisor from Holistic spent considerable time understanding my goals and also advising me on the right approach to investments. Using financial research that Holistic had done, he was able to let me know which were the right mutual funds to invest in and allowed me to make the choice. The in-depth insights and clarity towards the markets helped me invest soundly.
As a Critical Care Physician I practice ‘Holistic Medicine’ every day. I expect my financial advisors to do the same. Holistic Investments do exactly that: they listen to my request, research the market, and match it to my needs and financial health and advice me accordingly. I like them because they cater to my needs and not make me accept advice that suits their needs!!
One of my main concerns was finding the right person to take over my financial planning. Somebody who could understand how comfortable I felt about risky investments, what my retirement goals were, and someone who could explain all the “techy” details of the different types of investments, so that I could make the right choices. I found all this in the Financial Advisor of Holistic Investment Planners and so much more. Their honest and open approach, make them easy to talk to, a must when discussing something as personal as finances. I have one less worry knowing, they are guiding me to a secure retirement. Their strong work ethics and desire to put their client’s best interests forward, have inspired an unwavering confidence that has grown over the years
Holistic Investment Planners bring to their work the two traits I believe are the most important for those working in the financial services sector: knowledge and integrity. By relying upon Holistic Investment Planners, not only will you be guided toward the most intelligent choices given your particular circumstances, you will also be certain that your best interests are heard, understood and truly taken to heart
My family had a very bad experience with our previous financial consultants. We have been associated with Holistic Investment Planners since 2001. They really made us feel comfortable that we currently have all our investments with them. They are methodical accurate and really holistic. We are saying this because they value people and their money and manage it meticulously. We would never use anyone else after using Holistic Investment Planners for years now.
Holistic Investment planners have been advising me on financial planning and Investment advisory. After taking their advise I know where I stand and what mistakes I was making in investments, they had provided me a clear guidance on how to change the financial plans and recover from the mistakes I made earlier, their expertise in investment field and customer centric approach make them best in providing financial solutions.
I wish Ramalingam and his team a continued success.
I have been dealing with Ramalingam and his team at holistic for the last 12+ years and I always find his judgement and wisdom on investment issues to be very sound and future proof. The entire team is very friendly and passionate about the work they do for their clients. More importantly the view that the company takes on investment is prudent and stands the test of time – a rare quality in the murky world of finance and investing. I will most gladly recommend them to any potential or existing investor.
Earlier I was investing in different instruments basis some self study and reviews, and there was no goal specific plan. On availing the service of financial planning from Holistic Investment, I understood the importance of having an investment plan keeping the short term and long term objectives in mind. I’ve now been able to have specific investments linked to specific goals, which has given me far more confidence about my finances. Ramalingam has been an excellent advisor, not only going in a systematic way in creating the plan, but also explaining the importance of various things, implications of various types of investments and instruments and clarifying all doubts which I had in mind.
I have been associated with Holistic Investment Planners for the last 6yrs and i would say i came to know about them as a novice in investing through my father who was a erstwhile client of Holistic. So technically i could call myself the second generation client of Holistic. Their approach then was more of a guide to sound investments. Over the last 6yrs, thanks to Mr.Ramalingam & his bunch of committed employees they have risen steadily to provide a complete range of services across the section of investors backed up by very sound industry knowledge and hands on experience. I was one of the first (if not the first) one to opt for Holistic’s Financial Planning/Investment Advisory services and while it took some time to bring the same into practice (which as an investor needed very high financial discipline), but i can surely commit that i am seeing results.
Their Sincere, streamlined approach to investing, cautiously mixing, reward & risk singles them out in this industry wherein commission & targets drive profits. One of the positive things that differentiates them is their willingness to listen to the investor and offer advice appropriately. I can confidently say that i have taken a correct decision as far as my investments are concerned. The effects of the downturn and treacherous markets have triggered the need for a reliable & able adviser and i would for sure suggest Holistic Investment Planners
We are very happy with the efficent and knowledgeable service provided by Holistic Investment Planners. They are approachable and responsive to our needs; and offer a commendable quality of service. We would gladly recommend them to anyone requiring a proactive and professional investment planning service.
We have been dealing with Mr.Rajan and his team at Holistic for the last 8 years. The entire team is very friendly; we always find his judgments and wisdom on investment issues to be very sound and future proof. We are very happy with the excellent service provided by Holistic Investment Planners. The professional quality of service extended to our needs is commendable. The prompt service of” Holistic Investment planners” made us to feel comfortable as they value people and their money and we currently have all our investments with them
When we wanted to liquidate our investments to buy an immovable property, Holistic Investment’s team did an wonderful job. Their systematic approach helped us get the redemption on time.We could not find words to express our gratitude for the timely help to redeem the mutual fund investments without much ordeal.Also, we are very much delighted to appreciate their guidance for our wealth creation over the years and we are very much happy to sustain our relationship with Holistic Investments in our future endeavours also.
I started using your service since 2011 and I have been impressed with your ability to respond with patience and listen to customers. Financial planning is not only about money, but also about utilizing money in an organized manner towards the goals with peace of mind and my journey thus far with Holistic guidance has been good.
The views expressed are that of the individual alone.
It gives a feeling that financial part of my life is secured with the help of Holistic Investment Planners. In a short span i have built a “decent corpus” which otherwise i would have not. Also i am trying to educate people who work with me about financial planning. Feeling good that i have started early with you.
I was provided with appropriate guidance with regard to my wealth planning and the same was completely taken care by Holistic Investments. I would not have had the clear picture and investment decisions if I had not worked with them. On working with them I was able to well plan my investments systematically to achieve my lifetime goal in regard to my family requirements. Customer friendly and queries answered on time are my favorite part of working with them. I would strongly recommend, as Holistic Investment Planners serves the people in desperate need for wealth planning.
Earlier I was investing without any logic /spending money on insurance policies which I should not have. Holistic brought a “holistic approach” to my investing based on my short term / long term goals. There by I was able to achieve my goals with proper planning and have been able to build a good net worth over a period of time. My cost would have been huge as I would not have planned my financial goals and invested in instruments which was not beneficial.
After working with them results achieved are manifold, right from planning for your goals, tracking expenses, know where you are spending the money to have better control, removing the non performing assets / policies etc. They have helped me achieve my goals and manage my cash flow better.
The approach used by the management, the clarity of the process and integrity / ethical nature of business are best part working with them. The team at Holistic Investment is customer friendly in nature and are open to suggestions and criticisms.
I would say the following “If you want to achieve your financial goals “holistically” (in every sense) approach these folks”.
The long experience with Holistic Investment is really “Holistic”.
Their approach has always been to understand the customer and meet the exact needs rather than looking at the benefits for the investment company. The periodic investment course correction advise has been apt and on their own initiative. I am totally free of the burden of any worry with respect to the investment decision once the portfolio is handed over to them.
My association with Holistic Investment Planners Private Ltd started from the year 2004 after my retirement and I got the maximum benefit out of it. I really think this is the best Financial information services available on the market and CNBC-TV18 has rightly awarded the best performing Financial advisor award of the year.
Our relationship with Holistic Investments since 2002, has been the innate sincerity in every interaction they have had. I am particularly impressed with the confidence they infuse in us that they are always there for us, an information bank of investment knowledge. They don’t intrude or pressurize unnecessarily. Nevertheless, act very promptly when required.
The way they have nurtured the relationship has made us avoid seeking any competitive portfolio managers and also compare cost of servicing. We appreciate quality has a price. We are also proud of the way they keep their self updated to service their customers and also of the attempts they make to share their knowledge with the public.
Our best wishes to Holistic Investment Planners as an organisation and the team.
Holistic Investment Planners helped de-mystify financial planning for me! They provided financial planning & investment advice to me and I had an opportunity to interact with them on a number of occasions both via telephone and e-mail. The team at Holisitc is professional at all times but also very personable and knowledgeable and took care in collecting of relevant information. They provided a thorough and critical financial analysis with practical recommendations. Whenever I had questions or was unclear on an issue they were patient and accommodating. They followed up reliably and punctually. I would recommend Holistic to anyone looking for an unbiased opinion.
Since August 2011, I am using Holistic for my Financial planning. I have to say that the experience has been superlative. Generally, one associates a lack of trust as well as a feeling of sub-par delivery on promises with such relationships in this industry. However, Holistic and especially my direct contact Mr.Rajan and Mr. Ramalingam have been extremely transparent and above board. It is important to note that I have till date neither met these individuals nor have I been to their offices. This is indeed a case study for transparency and customer service.
While it is early days to judge the financial performance of my investments, I am seeing that it is trended in the right direction and I feel quite comfortable that we will accomplish the committed growth rate at the bare minimum. Another hallmark of the experience has been the flexibility and responsiveness. Mr.Rajan has always been available and very forthcoming with all kinds of information and responses. I have already recommended Holistic to all my friends and colleagues. Without the guidance of Holistic, I would have had to spend enormous amount of time to figure out what to do with my investments. Now, I feel secure and stable at the same time. Thank you Holistic
After working with Holistic, now I have a very clear plan about my lives financial requirement and that gives me confidence to face and plan my future. I can segregate my financial requirements as the most important to the least important and invest on achieving my goals accordingly. I need not spend time in monitoring the market or where to invest, instead it’s been done by a group of trusted professional whose advise I adhere. I have more time to think of my career and prepare on career development program. I know how much money I require before I retire and how to achieve that target. My tax planning is well organised, never could have said that before.
Their customer service is superior. I can reach out to people and they are always polite to answer my queries. Also my friends at Holistic does not tell me where to invest and stop with that, they teach me why such decisions are made and they educate me on how financial planning is being done. The technology part is really good. I send mail and I get answers. I can see the investments made by me anytime online.
I would have still been looking for a financial planner whom I could trust my money on if I have not worked with them. I would like to say “You got your moneys’ worth!” for someone thinking of hiring the services of holistic.
With the help of Holistic Investment, I am able to consolidate my mutual fund portfolio which spread across more than fifty folios. They identified and redeemed the under-performing schemes and realigned my portfolio to give best returns. The way they handled my portfolio gave a feeling of security and increased the confidence with the organization. It is difficult for me to quantify the cost I borne if I am not used their services.
Courteous, endearing and ever ready staff to satisfy customers is my favorite part after taking their services. I would like to say ‘Holistic Investment Planners’ is reliable and trustworthy financial advisory organization for those who are looking to use their services.
(Testimonial given recently in 2018)
I have been associating with Holistic Investment for the past 10 years. I find them very professional, and they have a lot of market knowledge. A common man like me needs good advice from the Investment Planners, and I get it from them.
Previously, I used to invest in all the mutual funds without knowing what it is. My first interaction with Mr.Ramalingam, (Director & Founder of Holistic Investment Planners) made me understand how this market works and how Investment Planner is important for a common man.
I make all my investments through them. They review each and every fund and give me advice about the changes that I need to do in my investments. They provide an excellent service to their customers. All their workers are taking care of their customers very well. I wish them good luck, and I am sure they will continue to provide an excellent service like they are doing now.
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(Testimonial given earlier in 2015)
I used to invest in each and every fund initially without knowing the background of the fund. Fifty percent of those funds were not giving the desired results at all. Investment advisor’s from Holistic Investment Planners suggested major revamp on my investments which made my portfolio more profitable. They taught me how to invest and plan my investments in the long run. The cumulative effect that I get from my investments is really good. My investment is safe and I am getting a return of 15% to 18% on the investments that I have made so far. This is possible only because of the expert suggestions that I have got from Holistic Investment Planners.
Their knowledge level on the mutual fund market and their advice to switch from under performing fund to a better fund to have greater returns are the best part I have considered after working with them. Without any hesitation, I would recommend Holistic Investment Planners. They are very loyal, knowledgeable and customer oriented. I am very impressed about this organization.
I am glad to give my testimonial for the service rendered by Holistic Investment Planners. Their professional way of approach towards the investment avenues and the goals helped me identify the nature of each investment avenue and match them appropriately with my goals. I have understood the long term approach and the need of the equity market investment. Now I am comfortable to invest into the equity market irrespective of the short term fluctuations of the market.
If I am not associated with holistic investment planners I may not have clear view and approach about stock market oriented investments. I might have missed the benefits of the stock market investments. Everything related with my investment is updated as per the present scenario. The accessibility of the portfolio through online and the transactions are very transparent. If any queries arise about my portfolio it will be addressed in proper way with better clarity. They are easy to access at any point of time.
I am sure and confident to refer Holistic investments to my contacts.
I have been associated with Holistic Investment since 2002. While I started small, today all my financial goals are developed in consultation with them. Being a Management Consultant as well as a person who understands finance,I can enormously appreciate their professional approach towards various investment avenues.Their professional and logical approach to financial planning was outstanding.
I now have a complete and comprehensive vision and approach as far as my financial goals are concerned. One of the strong points of Holistic investment is their service approach as well the philosophy of guiding the customer. I will wholeheartedly recommend holistic investment to my friends and relatives.
It has been a pleasant and learning experience to work with Holistic Investment planners since 2000. It is not only their prompt service, but their way of educating their clients, that makes them unique. I have been a Sporadic & Rash investor and holistic investment planners has helped me in honing my investment acumen. Their parental care of the best returns on our investment relieves lots of anxiety from our mind. In the present stream of Portfolio Managers, Holistic investment planners has been genuine and have the stamp of their own.
Onset of this message my heartiest congratulation to Holistic Planner team for their guidance & support which help me to start walking towards my financial goals for my future.
We have always seen our parents quoting the example of our grandparents to emphasize on the significance of Savings. How their hard earned savings helped them and our parents survive is no hidden fact. Our forefathers, without a doubt, did a great job by efficiently managing with expenses and savings. The scenario now, unfortunately, has changed drastically. Savings in today’s times aren’t sufficient enough to take care of major expenses like Child education, purchase of house, a critical illness, financial freedom at retirement etc. In savings there is less profit making or creation of wealth. In order to be able to handle those expenses, one has to look for alternate sources of income or something that transforms savings into wealth.
Before 2012, self was rather savings keeping in mind for income tax. But after started taking consultation from Holistic planner, my savings has diversified in tax savings & investment options. I understand the fact that paying in insurance should not be treated for future investment, insurance is different & investment is different. From last four years consultations self-finding that my investment is growing like anything. Before their service, my investment growth is not as per my expectation, but after their guidance I find the expected improvement in investment.
I will recommend others for financial consultation from Holistic Planner. Their approach toward understanding little dreams & convert them in goal is excellent.
It is pleasant feelings for me after having their consultation services.
As a result of creating financial plan with Holistic Investment Planners, I Started working with financial alertness and understood financial planning is not one time activity or something which is dependent on the market/instruments we invest in. Rather it is a life time one. Also I understood the concept, slowly & steadily building corpus for achieving financial goals. If i have not hired them, my learning and spending pattern would have not changed/updated. Awareness levels in financial planning would have been poorer.
I’m impressed with their “to the point feedback” for my queries, professional support /guidance with transparency for achieving my financial goals. Though it was a sudden development, bought a house last year which was part of initial financial plan. Efficiently invested in instruments which helped tax reduction as well as capital appreciation. This achievement is a result of the financial plan created by Holistic.
If someone is really serious about financial planning for their future, I would recommend Holistic Investment Planners for their professional approach. I am very much satisfied with the professional support of Holistic Investment Planners. I would definitely recommend with top rating.
It gives a feeling that financial part of my life is secured with the help of Holistic Investment Planners. In a short span i have built a “decent corpus” which otherwise i would have not. Also i am trying to educate people who work with me about financial planning. Feeling good that i have started early with you.
I am writing this testimonial in support of Holistic Investment Planners and its team. I started using Holistic’s financial planning services in March 2015 and have been impressed by the team’s professional and methodical approach. I was assisted in listing down my goals and aspirations and a comprehensive financial plan was drawn up to help me achieve those goals. In the entire process I was consulted regularly and educated on the financial products I would be investing in. By availing of Holistic’s financial planning service, I am now able to manage my income more efficiently and am more clear on how I can achieve my goals by investing correctly and in the right financial products.
I have been using the services of Holistic Investment Planners for more than 3 years now and when I look back it seems to have been one of best decisions I took. While I was never in doubt on the need to take expert help in my financial planning the problem was about choosing the right one and here is where I am very thankful to have got in touch with the key peoples of Holistic Investment Planners.
In our very first interaction itself they took lot of time to understand my present situation and a complete detailing of future aspirations/plans. I must say that they created a financial plan for execution in a very transparent manner which I could own up immediately because of the way they went about doing this. I have being executing the recommended plan to the last detail and can the see the results for myself.
Given my age and stage in career it is their advice and plan I must thank for rebalancing my portfolio with good quality debt funds and retaining certain part of my equity funds to create an adequate corpus for retirement in tax efficient manner. If not for their suggestions I may locked up funds in bank FD’s and POSMIS schemes to name a few. The best part I liked about working with Holistic Planners is that you will not see any hidden agenda in their recommendations. The key people are easily approachable and are there for you to educate, clarify any doubts you may have from time to time. This helps develops lot of trust in the relationship.
If you are looking for a trustworthy financial planner who has only your financial goals in mind while making recommendations and takes a long term view while drawing up your plan in holistic manner I would say “ Holistic Investment Planners “ is the right up there.
It has been a wonderful and satisfying journey working with Holistic Investment since Mar 2014. Being a late starter on the journey of Financial Planning, it was satisfying to see the inquisitive approach of Holistic. The whole process of interaction and probing questions lead to identifying goals and then creating the plan was very satisfying. With their help, I had restructured the whole approach to refinancing the Home loan to moving from insurance to pure term insurance as well as starting health insurance and investing in Mutual funds. I found the team of Holistic trust worthy and professional in their approach. In fact I had recommended them to couple of my friends both in India and outside. I wish Holistic a better and sustainable growth.
I’ve been working with Holistic Investment since 2011. I have always found Holistic Investment team very responsive and diligent, and they attempt to understand the goals and objectives, or the changes happening due to the dynamic situations, very thoroughly before recommending an investment plan.
I found it very easy to work with them, because the investments were linked to specific goals, and whenever I had a requirement for a certain amount for any reason, I always approach them, and they advise on which investment to withdraw/redeem from, and similarly, in case of a surplus, they recommend an appropriate plan for it.
The breakup between debt and equity has worked well, and I’ve never faced a situation where I am exiting from an equity investment at an inappropriate time due to an emergency. The short term requirements have been well managed through the debt investments.
Overall, Holistic Investment has been very co-operative and responsive to my needs, and I’ve had a very good association which I look forward to continue.
I have been using the services of Holistic Investment planners since Aug, 2014.Before choosing them, the only financial tool which I know is either Bank FD/RDs or LIC. I didnt know any other investment tool.But after choosing them, I understood how the investments only in bank FD/RDs will not make you wealthy. They helped me understood how the equity exposure to a portfolio will fetch higher returns.
The main part which I liked most in their process is that the investments are all goal oriented.With their solid understanding of my current financial position, they are able to prepare a financial plan and helped me achieve my goals without burden.Their team is very professional. The best part is that they are always reachable via phone/e-mail.I am really impressed with the way how things are happening after choosing Holistic Investment planners. Now, I am having a real peace of mind as everything is going as per plan and they are always there to take care of the plan.
I strongly recommend them to anyone who is really in need of a solid financial suggestion. I can bet , you will never regret the decision.
After I started working with Holistic investment planners, I have a clear picture of where I stand financially and what I should be doing If I want to achieve my financial goals.Without the advice of Holistic, my dreams would have been just that – dreams. I never thought I should be saving this much today to get there tomorrow.Before working with Holistic, I did not understand the returns of various investment products and I would not have put my money to optimal use.I would recommend anyone who is interested in savings to work with Holistic. With their sound knowledge and good support, investment plan becomes a breeze.Thank you Holistic investment planners for giving me directions.
I am currently in my 5th year of association with Holistic Investment Planners”. It has been an immensely fruitful association for me. Besides meeting my financial goals, what has been enchanting has been the ease of doing business with Holistic. Time is in immense short supply for people like us. The team at Holistic does everything possible to complete the transactions with the least amount of involvement from my side. The other aspect that has been special is the trust factor. Till date, I have not met anyone in the Holistic team in person and inspite of that I feel comfortable entrusting my entire portfolio with them. I also had a great yearly review last year. I look forward to my next one by which time I am sure that the suggestions I had provided would have been implemented. Thanks for everything
I am an Engineering professional. Initially, I thought Personal finance advisor is required only for the people who has more money & more properties like stars & big shots. They only need financial advisor to manage their assets. After discussion with Holistic investment, then I realized, it is important for everyone (middle class/upper middle class), irrespective of profession or current financial status.
First impression the best impression. The way, the introduction given by them was wonderful, Because, what the client can expect, what are the benefits they can provide are very well explained in the first time itself. Even though it was lengthy session, it was worth.
Managing money is an art, always it is important to have someone who is good in that. After taking support from Holistic Investments, I got a clear picture on my financial status, where I am currently, where I have to go and how to go about it.
They are very good in customer support, especially, their professional way of setting up time and addressing the clarification points one to one is unique.
Overall, I suggest everyone should be well aware of their personal finance. Whether the personal is big or small. Definitely Holistic Investment are good in that. No doubt about it.
I have had a very fruitful association with Holistic Investment Planners since 2011. Earlier, had been making investments with whatever little information was available, but made no worthwhile financial progress. Fortunately, Coming into contact with Holistic Investment Planners, helped immensely in reorganizing and planning investments, setting up financial goals and bring in financial discipline in working towards achieving financial freedom. A financial plan in place and a long term methodology worked out, accompanied by yearly and half yearly reviews by the Planners has given mental peace, non botheration of the state of the markets and confidence in facing the future. It has been a pleasure interacting with the team of Holistic investment who are always accessible and ever ready to respond to your queries in an unbiased and professional manner with the interest of the client always at heart. I wish I had come into contact with them much earlier.
I would like to strongly recommend Holistic Investment Planners to anyone who is interested in bringing Financial Discipline and Growth in their lives.
I have all the confidence that the financial plan created by Holistic Investment will help my family successfully navigate retirement planning and kids education. It would help my family to achieve the best results. I really love them for their fast responsiveness to my queries. I am impressed with their comprehensive financial plan, sound investment advice and good customer service.
Their service is real value for money because they made me understand wrong investments won’t yield good returns. And they also made me realise Fixed deposit interest will give less returns than good SIP in equity funds in the long term. I could have easily settled for the lesser FD returns if I have not used their service.
Holistic Investment planners provides top notch quality services and offers the best value in personal financial planning. I am really impressed and satisfied with them.
(Testimonial given recently in 2020)
Holistic Investment Planners providing expert advice and constantly updates about financial products. They have a friendly and very approachable team.
If it wasn’t them, then I would have been unsure about where to invest and how to plan for the future.
But now I can see growth in my savings and investments, clarity over my financial goals. They help me to achieve my goals step-by-step.
I have always received the best advice from Holistic about my investments. They also reply very promptly to my queries and also follow-up on the action points constantly. Their Staffs are also friendly and easily approachable.
I would surely recommend Holistic Investment planners to anyone who needs an expert’s help to plan their financial life.
(Testimonial given earlier in 2019)
I found a consolidation of all my investments with Holistic Investment Planners. They are providing very good investment advice and safe planning for my future dreams. I was unaware of the avenues to invest before my association with them. They always respond very promptly and very good follow up of the process. I will definitely recommend Holistic Investment to anybody who is interested.
Holistic Investment has always helped promptly and provided the best advice. Achieving my financial dreams feels like a possibility once I started investing through Holistic.
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(Testimonial given earlier in 2017)
I’ve been associated with Holistic since January 2017 and it’s been a pleasurable experience! While I was broadly aware of the various financial products available, Holistic really helped me understand the nuances involved, prepared a financial plan that takes care of all my needs as well as execute the same in a seamless manner. The knowledge base, coupled with their friendly, proactive and transparent approach makes them very trust-worthy.
While it would be too early to judge the financial performance of my investments, I do feel more financially secure. I would definitely recommend Holistic to my family and friends. Many thanks and best wishes to Holistic!
Association with Holistic investment planners pvt ltd really helped us in organizing our savings and also for optimizing the returns generated from the portfolio. There was some mental stress regarding investment returns before working with holistic investment planners. But now a sense of better financial security has come in view of the organized investment planning. Congenial working style of Holistic personnel that helped in learning more about the nuances of investment opportunities. I would say to someone who is thinking of hiring Holistic Investment Planners as An organization with professional approach.
I was worried about my returning to hometown in respect of my investments and savings. But these people have done a great job and were a great support for validating my financial position independently to avoid any element of bias. It would have been a difficult task for me to realign everything and choosing right investments when I come back to India after multiple years abroad. I would have ended up in wrong investments and that could have been a disaster in future if I was not associated with the Holistic group. They were able to provide a structured and organized approach to financial planning which is fully aligned with my thought process, and I really recommend their service to known persons.
Though I had been employed overseas and saving considerably for nearly two decades, I did not have a clear idea of my future financial needs. Thanks to Holistic investment planners as they guided me with a clear financial plan, specific to my family situation. Now, I am a happily retired person and also more confident. Hand-holding approach during and after implementation of the plan indeed appreciable. The financial plan included current position, future needs, investing ideas to meet specific goals, legal compliance etc., The plan helped me to have exposure to different types of assets and at the same time to a well-balanced risk and reward portfolio. I wish the Holistic team all the best in their future endeavors.
Working with holistic investment planner’s Pvt Ltd has helped me to take more informed decision when it comes to personal finance. After joining with them I came to know more about saving concepts, the importance of planning for the future, and need for yearly reviews. They are really good in understanding our requirements and make the customized financial plans. I am very much impressed in the way they keep touch with us. I would suggest them to anyone who needs to bring a disciplined way in the overall financial matters.
Working with Holistic Investment Planners helped me chart out my financial needs clearly. Not only that but also provided me the clarity in terms of channelizing my investments in proper instruments and getting out the expected results at appropriate times. It gave me so much of time in my life to focus on developing myself and go after my pursuits with confidence. Plus better returns, of course. It’s difficult to put a quantitative value if I had not worked with this team. But, I could say that I’d definitely have not got the quality of life that I have now. The way they respond to my requests immediately and come up with suitable solutions is fascinating. And the respect they provide to me, as a customer, is extremely satisfying. They really are doing their work professionally and help us to get what we need, in terms of managing our finances.
I am very happy for the services rendered by the Holistic team and now I become more confident in my Future Financial Life.
Before joining the services, I always used to plan & think about my future life. And if I had not worked with them, it may have only been dreaming the future. Now I realize all my dreams will come true soon.
Customer support and quick implementation was the favourite part of working with Holistic Investment Planners.
I would like to say to those who are thinking of financial planning, that, we should not consider the financial plan charge as an expense rather consider this as an investment and keep investing in it for your lifetime. I am sure that you would be benefited from this investment lifelong.
I got to know of HOLISTIC investment Planners on CNBC TV, when they were awarded “The Best Performing Financial Advisor Award”. This was a time, when I was just beginning to pay attention to the world of financial management, investment arenas and was contemplating the idea of having a financial advisor for myself. The concept of paying someone money to manage your own money was very alien to me.
What I liked about registering with holistic planners was, that I was given an opportunity at first to better understand my personal financial management and get convinced about the benefits of having them on board. I had a one hour-long chat with Mr. Ramalingam, Director of Holistic Investment, to discuss my finances. It was a very cordial and warm discussion. I felt like I was talking to a friend about my personal finances and he, with no compulsion or marketing, was telling me about saving, investment, spending, using credit cards, risk management and insurance.
After partnering with holistic, I felt a great transformation in the way I approached my finances. Till then, I had no clue about “cash flow”, investment options, mutual funds (though I had started a few SIPs, but was using it just like bank deposits), risk management etc. Today I feel confident in my life because, my life is adequately covered with a term insurance, my assets are protected for any untoward incidences and I have created a path toward wealth creation. That too wealth creation without having to stress myself out. The friendly advice provided to me by Mr. Rajan, my financial advisor at Holistic, his implementation plan (step by step with deadlines) and follow up was very useful for my transformation. I should admit that I have not been 100% compliant to their financial plan, largely because of my personal reasons, yet I feel assured that I have a highway that I can get onto and reach my goals.
To anyone considering Holistic, I just have this to say to them. A man should have 3 good friends – a doctor who will treat his illness, a lawyer who can protect you when you are in trouble and a finance advisor who can help you manage your money. With holistic investment planners you are definite to find a friend….
(Testimonial given recently in 2020)
Holistic Investment Planners providing better financial planning.
Now I have well planned financial life, health insurance for my family, and adequate savings for my short, medium and long term goals. They have a great team to work with. Their financial planning has a personal touch.
If I have not met them, I might not have enough savings for the future and have no adequate life and health insurance.
But now they created all-around financial coverage for me.
They are always available to support and answer queries.
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(Testimonial given earlier in 2017)
Being a member of holistic group, now I can say that I became more confident about my future. My family is secure because of financial planning done by holistic investment planners. I could buy a house and a car because of accurate financial planning done by them.
I am less worried about family’s future and medical emergencies. Also my loan burden is substantially reduced because of accurate and risk based planning done. All these transformations happened with the help of Holistic Investment Planners only.
If I had not associated with them, incorrect investments would have caused losses, missing life insurance planning would have had my family’s future at risk and loan burden may have given me mental pressure.
Personalized advise and 24/7 accessibility are the favorite part of working with them. Don’t think twice before you hire “Holistic investment planners”.I don’t know if they are the best but their financial planning strategy is the most complete one that I have known. They take care of our financial future with 100% perspective and help you save your time by not thinking on financial matters.
The truth now is that there is a greater sense of financial security in my life. I have been taking the services of Holistic for the past many years. It can be said that the growth might have been less without their service.
Their charges are minimal. They discuss and ascertain the view points , ideas and requirements of the client before giving their recommendations. This makes their service very relevant. I happily recommend anyone to take up their services to achieve financial goals confidently.
Holistic Investment Planners has very sincere Financial Advisors for personal finance/portfolio management. I was a conservative person in the beginning and I kept my surplus fund in public sector bank as fixed deposits. The Financial Planners at Holistic Investment first exposed me to the idea of investing in the mutual fund and maximizing returns on investment.
If I had not worked with Holistic Investment Planners, I would have continued to invest in fixed deposits of different small savings schemes of the Government, and consequently had the loss of returns to the tune of 7-8% per annum.
They have a very inclusive approach to a middle-class investor. They are prompt and explain the schemes in common man’s language. They also monitor the invested schemes regularly so that the returns are maintained steadily.
I am glad to have joined Holistic for my Financial Investments.
Sometime in 2005, I began consulting Holistic on building a personal investment portfolio. I started with small but regular monthly SIP plans. After more than 15 years of working with Holistic, I could meet some of my very major desired long-term financial goals in life.
I used to invest sporadically and without any clear strategy in several instruments such as company stocks and debentures through the secondary market, company fixed deposits, government schemes and private equity. It was only after I began consulting with Holistic that I began to strategize seriously around such sound concepts as (1) balancing short-term and long-term financial goals, (2) asset allocation between debt and equity instruments, (3) tax efficiency, (4) power of compounding, (5) comparative assessment of MF performance, (6) staying inflation hedge (7) exit, etc.
Probably, I would have continued to invest in a haphazard manner in various investment avenues on a “hit-and- miss” or “knee-jerk” basis rather based on a logical, planned and patient strategy that balances risk and benefit, greed and prudence and immediate gains and future value.
Personal service, counsel and interaction with a full-time financial advisor assigned to me and to my account was the best part of working with Holistic. Over a period of 13 years, it was possible to develop a close and personal relationship with the assigned advisor who became like a family guide/mentor for all investment decisions.
The “trust quotient” started growing and comfort levels with the advisor began strengthening as time passed. This led to better understanding of investment capacity, real expectations of returns and investment time-horizons.
Prompt response for inquiries, timely report-back, complete handholding for all paperwork, valuable feedback regarding taxation issues, house-calls and excellent troubleshooting assistance were the other aspects of the personalized service I greatly appreciated receiving from Holistic.
If you want to invest smartly, and wish to be affected by neither “irrational market
exuberance” nor anxiety, and if you want to build long-term net-worth with neither too much greed nor conservatism as motivation, you can trust Holistic to not only show you the way but also help you walk through it.
It has not dawned on me until I came across Holistic that one should always leave financial planning to the experts in the field.Since I started my career in 2001, I have been managing savings on my own in a conservative manner using well known “Fixed Deposits” with little satisfaction that my money is not keeping up with the pace of the economy. I didn’t dare entering the stock market on my own, because financial investing/ planning is not my background, besides I have a busy profession to attend to.
Holistic has done a very rigorous job in taking stock of my situation and coming up with a financial plan that is well balanced with various investment options. I find that they are experts at tracking the performance of funds they recommend and they know how and when to enter/exit the funds which is key to making money. They have educated me on various occasions and demystified certain myths which is very satiating. I feel more comfortable working with them compared to the financial planners I came across in the US.Their fee based approach is quite attractive which is regardless of net worth of the individual. I think they are the best option for NRIs managing money in India.
I have been associated with Holistic for a little over one year now and I am at ease regarding my financial planning. My only regret is, I was not associated with them since I began my career. I would have been a lot far ahead in chasing my financial dreams had I done so.
Initially I did not have any great clarity on Mutual Funds and was averse of investing in them. Gradually through meetings with Holistic representatives, they informed me of the advantages of investing in Mutual funds and removed most of my misgivings. Even then, I approached Mutual Funds from a tax saving, compulsory perspective rather than a wealth creating one. During a cash crunch I used to get irritated with the monthly SIP’s. But somehow I stuck on. And it is perhaps one of the wisest things I have done.
A couple of years ago, faced with a huge payment towards a property purchase, I was wondering where to raise the funds from. During one of those moments, the monthly update from Holistic landed in my inbox. I used to barely glance at them previously and left them unopened. That day I opened my statement and was amazed to see the profit I had gained from my systematic investment. After conferring with Holistic, I withdrew some funds, easily met my obligation and had profits in reserve. Yes, it does go up and down, but I for one have witnessed, first-hand the benefit of saving in a Mutual Fund. In the recent past, I have often dipped into my mutual funds to meet some unforeseen expenses and it is invaluable to me.
I would always recommend Holistic Investment to anyone who is willing to make some investments in Mutual Funds. They are sincere, practical and constantly available for discussions. They are also extremely professional and go the extra mile to take care of all your needs.
Interaction with the Holistic team is very easy, and they clearly understand our needs”.
I understood their recommendations and gained some amount of income tax and some margins on investment.
I could not have got any ideas for investment without Holistic Investment Planners. Now I have got exposure to investments like mutual funds.
I can feel that everything is good now, and it will be the same in future as well.
Holistic Investment planners combine the right mix of market and financial knowledge with customer-centric financial planning. I have always found their Financial Planners to be very well informed, and have never encountered any misselling from them. I believe I can count on them to have my best interests in mind when they make a recommendation.
I got introduced to this team in 2006. Their staff members came across with a difference, in that unlike other financial advisors then, they did not push any insurance policies on me and suggested better investment options.
While that was a striking difference as we started discussing and working together and started investing in mutual funds again a key difference – Holistic Investment Planners/ financial planners – are not the ones who shuffle your portfolio every other year. In the last 12 years we have probably dropped couple of funds and added more. This shows their long-term focus on value growth [unlike others who churn for the commission that comes in].
While this is the core, the consistency in sending the report for 12×12 months without any fail, patient explanation of market situation during the ups and downs [2008-2014-2018] etc., meant I never ever wanted to think of any other option.
I take this moment to thank for the excellent support throughout these years. I am looking forward to a longer rewarding association with Holistic Investment Planners, and I wish them all the very best!
I had some difficulty to execute my financial plans before working with Holistic. Now, I am on track to achieve my short term and long term financial goals. I have learnt about the influence of inflation on financial planning, and I am balancing my daily needs with better control on future goals.
I wouldn’t have planned my long-term goals properly, and perhaps would have lost faith in my ability to meet some of my dreams. Support and guidance provided by the executives are very professional and friendly. Choosing Holistic for my financial planning would be one of my best decisions in life for sure.
Since 2009, I have been using the services of Holistic Investment Planners. The company has done an excellent job in implementing my Financial Plan. I have been getting inflation-beating returns based on their guidance on my investments.
(Testimonial given recently in 2019)
Holistic Investment Planners’ methodology of financial planning was in alignment to my own thought process. Their structured & scientific approach for detailed calculation makes the plan very clear.
Financial planners’ independently validated my investment planning and asset allocation against financial goals. Expert advice from Holistic Investment Planners has a robust plan. They addressed gaps and identified areas of improvement.
If I didn’t have met them, I might have potential gaps in planning in terms of having a robust plan which factors inflation. If you want to secure your future, Go ahead and hire them.
They have award winning financial planning team!!
Keep up the good work!!
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(Testimonial given earlier in 2018)
Holistic Investment Planners validated my financial position prior to moving from UAE to Goa, India & recommended Mutual Fund Investments effectively to achieve my planned goals.
Without them, I would have made wrong MF Investments & that would have had a long-term impact on my goals.
Their structured approach to financial planning has been helping me manage my personal finances well.
Atul Kamat
Project Consultant & Business Associate
Al Khayyat Investments
Dubai.
(Testimonial given recently in 2018)
I’ve been working with Holistic since 2011. I have been planning my investments systematically to meet my short and long-term goal requirements. The guidance of my planner has enabled me to keep an eye on my financials and invest in the right debt/equity schemes. Without their support, I would have probably continued investing in an ad-hoc and under-informed manner, and wouldn’t have struck the right balance to meet my requirements.
I like their detailed planning, follow-through on actions and mid-term review. Their financial planners are always available to answer any queries and provide assistance on an ad-hoc basis throughout the year. Do not hesitate, go for it. The returns you’ll get over time by following the financial plan will far outweigh the investment in hiring the services.
Holistic follows a systematic process and facilitates the customers to have a good understanding and grip over their financials.
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(Testimonial given earlier in 2016)
I find Holistic Investment team very responsive and diligent. They attempt to understand the goals and objectives, or the changes happening due to the dynamic situations, very thoroughly before recommending an investment plan.
It is very easy to work with them because the investments are linked to specific goals, and whenever I need a certain amount for any reason, I always approach them, and they advise me from which investment to withdraw/redeem. Similarly, in case of a surplus, they recommend an appropriate plan for it.
The breakup between debt and equity has worked well, and I’ve never faced a situation where I am exiting from an equity investment at an inappropriate time due to an emergency. The short-term requirements have been well managed through the debt investments. Overall, Holistic Investment has been very cooperative and responsive to my needs.
Holistic Investment Planners have helped me in doing an independent evaluation on my financial health status. I was impressed by their robust methodology that took me through the process and highlighting options to meet my financial goals. This involved multiple iterations of interactions both at a personal level and other channels.
I found their financial consultants and other staff bring a personal touch and cordiality in these interactions, while at the same time maintaining a high level of professionalism. Beyond the financial assessment, Holistic has helped me keep track of the plan and providing unbiased recommendations on investments.
I consult Holistic Investment Planners for all my investment decisions – be in investment in Mutual funds, Tax planning and others. Holistic also backs me up with their extremely prompt service with a user-friendly software to keep track of investments, on a real-time basis.
Thank you, Holistic team.
Initially, I hesitated to go with investment planners thinking they would push me towards insurance products. One of my colleagues introduced me to Holistic investment planners in 2011. Since then, I have been using their comprehensive financial planning service.
The company is doing an excellent job in guiding and implementing my Financial Plan. I have been getting inflation-beating returns based on their guidance on my investments. Interaction with the Holistic team is very easy, and they clearly understand our needs. I always recommend Holistic Investment to my friends and colleagues who are willing to make some investments.
“I started my relationship with Holistic as a SIP investor 13 years ago. Though I was not continuously investing through them in the beginning, they have maintained a good relationship and very patiently kept me reminding the need for investing and using money wisely. They are very hard working people who are ready to listen to you and clear your doubts. They can find out where exactly you are making mistakes and how you are leaking/wasting money.
Last five years have been truly great for me after I decided to get into their financial planning program. I never thought I would be able to create such a corpus which is accountable, traceable, tax-effective, and fluidic in such a short time.
I would not have done this on my own. I would strongly recommend Holistic for people who are too busy to spend time on investment planning.”
Clarity precedes success. After, closely working with Holistic Investment Planners, I now know what exactly are the actionable from my side in order to achieve my financial goals. Having a clear set of the goals is very important and what more important is getting a consultation with the current and future resource.
I cannot quantify the cost, but definitely reaching my financial goals would be difficult if I wouldn’t have taken the first step. It is the stepping stone towards achieving my financial goals.
I enjoyed all my interactions with the Holistic team. For me, Holistic Investment Planners’ team is very professional and knowledgeable. Their work stream gives me the confidence in working with them again on an annual basis. I suggest Holistic Investment Planners for who are all seeking a financial planner help in planning and reaching out your goals.
(Testimonial given recently in 2019)
I have been associated with Holistic Investment Planner for the past 4 years. They are helping me to build my financial goals. They are very professional and Customer-friendly. They clarified any doubts with patience.
They have good control of the market situation and guide to invest money accordingly. It’s been a financial breather for us after getting associated with Holistic Investments Planners.
Now I am able to create a corpus for my future which could have not been possible without the guidance of them. If it wasn’t them, I couldn’t have managed my financial decisions and professionally manage my wealth.
They exhibit Professionalism and Customer friendliness. I would surely recommend Holistic Investment Planners as one of the best financial planners.
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(Testimonial given earlier in 2018)
I secured my family’s future plans with Holistic Investment planners’ professional and their well-planned investment ideas. Without them I wouldn’t have achieved my financial targets, I planned for future.
They are very informative and good at precise planning. I would definitely recommend you to take the services of Holistic Investment Planners. They are very comfortable to communicate, and I trust them to secure my financial goals.
After my association with Holistic Investment Planners, I have achieved considerable growth in my investment. If I have not hired them, I would not have taken advantage of the market investment because I don’t have enough knowledge and expertise in the markets.
I appreciate their way of communication and their availability when I need their consultation and advice. If you are looking for financial planners for your investments and financial goals, then I encourage you to consider the option of hiring Holistic Investment Planners.
They are experts in Financial Planning. They are planning in the present to reach the financial goals in the future. They are planning to fulfil future requirements.
(Testimonial given recently in 2019)
Holistic Investment Planners have been providing very professional service, honest opinions and great execution of financial plans. If I did not meet them, then I would have lost lots and lots of time which I could use productively.
They have a solution for every financial need. They help me to plan my financial portfolio and appropriate investment.
They help a great deal in shaping our financial futures. The planning and execution of details are sharp, and they provide honest and practical answers for all our financial questions.
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(Testimonial given earlier in 2018)
I am getting excellent returns after I have started to work with Holistic Investment Planners. If it wasn’t them, I would have wasted my time and also got fewer returns. They are always ready to help with any issues at any time. Go to them, they will save your precious time and help you to reach your financial dreams.
They did not stop with investment ideas, they also help with procedures to execute your investment plan as well. Especially Mr. Rajan, (Director and Deputy Financial Planner) who is very polite, well-manner and offering realistic and positive help to several complex issues.
After I met Holistic Investment Planners, I got a clear understanding of financial planning. They provide advice on different investment avenues and the help I needed on risk management. If I didn’t meet them, I would have wasted my money on other financial planners. They gave me the right advice with financial planning report and implementation plan. It was very useful for me to track my investment details.
I am satisfied with my association with them in financial advice. Apart from financial planning and advice, they provide me with some additional service on term insurance and will writing as well. So, I will recommend them to you. Try them, and then you will see the difference.
I have achieved discipline in financial vertical after my partnership with Holistic Investment Planners. If I didn’t have the chance to meet them, I would have lost my financial security. They are using a part of investment money for my emergency requirement.
In my point of you, they are bringing financial awareness to their clients. The users can get complete and comprehensive financial planning, can achieve financial freedom, and can have the stress-free and peaceful financial life. Investment through online policy saved some money for me.
(Testimonial given recently in 2020)
Holistic Investment Planners providing me a good comprehensive financial plan service. I like their professional approach. They are very trustable financial planners. If it wasn’t them, I would have been indiscipline in my investments.
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(Testimonial given earlier in 2019)
Holistic Investment Planners are disciplined in financial planning. They got good Certified Financial Planners who will not only create financial plan but also assist me to implement. Now my financial future looks stable and achievable.
If it wasn’t for them, I would be still hesitating to start the financial planning and investments.
They are good at financial planning and giving proper guidance to achieve my goals.
I will surely recommend Holistic Investment Planners to others. They are very professional and experts in their job, and trusted with your financial life.
They are providing professional service. I like their professional ethics and systematic work. Their articles create knowledge and awareness of present market situations and are well detailed.
Holistic Investment Planners cleared the cloud in my mind on planning my personal investments. They are planning ahead for life goals with a discipline, and conservative / balanced approach. I think it is difficult to put a value of my loss, if I wouldn’t meet them.
I trust them because of their unbiased recommendations, conservative approach while maximizing returns customised to suit to individuals goals. They are trusted professional when it comes to your financial life. They are giving timely response and they respect timelines.
To have a plan is a key to success; Holistic Investment Planners did exactly that. They gave me a plan to meet my goals. I got started with them exactly a year back and I am very comfortable with their planning and execution.
I wouldn’t know how to meet my future needs without a proper plan. Financial plan for me is an extremely risky situation and it could cost me all things I care dearly.
If you are planning to hire them, then you are in great hands, they genuinely work with you to understand not only your goals but your thought about investment and devise a plan accordingly. They have a customer friendly team with quick response to queries over emails, phone calls, etc.
I have always been received well by the Financial Planners and Customer Support Team; they indeed made it easy to get the ball rolling as I was starting for the first time into investments.
(Testimonial given recently in 2020)
Holistic Investment Planners are providing me with hassle-free and Best future planning. I like their timely guidance and clarity. I chose to work only with them based on their performances.
I will definitely recommend if you are looking for the right financial planners for you. It is better to discuss market changes with them before making an investment decision.
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(Testimonial given earlier in 2015)
When I started to work with Holistic Investment Planners, first of all, I was educated about financial planning, then I started systematic investment and now my investment return is growing. They advised me to start systematic investments to achieve my financial goals. And from the experience of holistic, it is really rewarding.
Maybe I might have failed in achieving my future plans if I didn’t follow their advice. They have very cordial staffs and they give me timely advice which helps me to achieve my financial goals. They ease my investment to live a stress-free financial life.
Holistic is the best place to learn about financial planning and structure our portfolio as per our dream’s requirement. Experts in the organization are always ready to approach and get clarified all our doubts and guidance for our future.
Having them in our financial life is best investment we do for our self. Because of them now I am travelling in right path to achieve my dreams and retirement plan. I like their steadfast support when it’s come to financial planning.
If I didn’t meet them in the right time, I may not have proper portfolio for myself which would have cost me to work harder to achieve my dreams.
(Testimonial given recently in 2020)
Thanks to Holistic Investment Planners I was able to develop clarity of thought regarding my financial goals which were translated into a financial plan which was then executed with the able assistance of financial advisors.
Before I took the help of Holistic Investment Planners I was unsure of my financial goals and had my investments spread over 25 different funds. But now I am sure about my goals and am confident that I am on the right path.
They are systematic, thorough and meticulous. They are happy to explain any doubts or questions whatsoever whether it is regarding a fund category or a specific fund’s performance. They do not try to force a decision on anybody, rather they explain their rationale in a way one can understand and leave the decision in the hands of the client. My own knowledge level of MFs has increased thanks to the interaction with them.
I would recommend Holistic Planners to anyone interested in achieving financial independence.
Please keep up the good work.
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(Testimonial given earlier in 2019)
My association with Holistic Investment Planners was a journey involving introspection on life goals and improving my financial literacy. They gave me clear formulation of financial plan to meet my objectives. And I am sure you will not regret it. They will help you become financially aware and achieve your financial goals. If I didn’t meet them, then I might be a person who waste his time and money, and not being able to meet my goals.
Everything that Holistic did was thorough, professional and methodical. Starting from the formulation of the financial plan, followed by detailed analysis of existing investments, then a detailed step by step implementation plan along with reason(s)/justification, multiple discussions to clarify any doubts/questions, and periodic follow up from the team on implementation were some of the things I really liked.
There was a lot of information and knowledge sharing and the decisions were put in context and I was made aware of the history and bigger picture behind those decisions, many of these discussions were directly with the Director & CEO of the firm who never hesitated to answer any doubts/questions that I might have had. It was a good two way discussion and I felt that my opinions and preferences were being taken into consideration.
It has been one year and it has been a very good engagement so far and I am comfortable and confident of my decision and look forward to continuing with Holistic.
Holistic Investment is managing my mutual fund portfolio for more than 15 years now. I am simply investing in SIP based on their recommendation. After 5 to 6 years of continuous investment, the investment appreciated at an average of 13% to 14% per annum and I am continuing SIP based on their advice.
I know Mr. Ramalingam (Director and Chief Financial Planner) and Mr. Rajan (Director and Deputy Financial Planner) since from the earlier days of inception. Their commitment and customer support in those earlier days are exemplary. Over the years it excelled leaps and bounds and today Holistic Investment Planners is one of the renowned names in the field of financial investment.
I am delighted and have no hesitation in recommending Holistic to one and all for healthy financial wealth.
Hiring Holistic Investment Planners is my first step towards achieving my financial goals of life. Now, I can take fearless investment decision to meet the important goals in my life. They provide me a detailed discussion about financial planning. It made the money to grow smartly instead of being idle in the savings account. “Fact Finder” is the main element in their professional work.
They help me to make well planned investment decision through in-depth research and analysis is their service. Without their help, I would have been landed in risk and low return avenues.
Investment decisions may not be successful if one goes by “Do it yourself” tips from online and friends.
If you are thinking of hiring Holistic Investment Planners, then please go ahead confidently. It is the professional firm to be approached for proper investment planning by avoiding traditional mistakes of middle-class people. If it wasn’t them, confusions, fear, and the time delay would have made the investment decision far away for me.
After having some problems and loss of trust in the financial company I was with, I was advised to talk to the team of Holistic Investment Planners.
Ever since, they have met and surpassed my expectations of working with financial advisor. They take the time to really know their clients which gives me every confidence that not just my financial goals are well understood but also my comfort level.
They regularly provide updates and have always been available to answer questions and do the legwork and research to make sure that my investments and my life insurance are on track with my needs, and that I have an understanding of where my finances are headed.
Holistic Investment Planners is an advising company I can trust to make wise recommendations based on wherever I’m at in my savings goal, and they take the time to explain transactions in layman’s terms. If I didn’t meet them, I would have gone through too much of financial Risk.
If you have planned to hire them to secure your financial life, then you are in safe hands. Because, they make me feel more secure and I have been with them for many years. Thanks a lot and continue your good work.
If someone is thinking of hiring Holistic Investment Planners, then I will surely
recommend them. They are good at their financial planning service. I have seen
changes in my long term savings & investments after my association with them.
They have well-structured guidance.
If it wasn’t them I might be unaware of what or how much do I need for my
future expenses. I like their execution of the financial plan and the follow-up.
Subject knowledge and the transparency with which Holistic Investment Planners operate is my favorite part of work. Before my association with them, I had a nil investment and I have never realized the importance of my financial goals. Now I have a complete portfolio geared towards realizing my financial goals.
Transparency is their key, some of the doubts that I had with the specific funds that were recommended was put to rest. Holistic Investment gives me a clear explanation on the factors that led them to those specific recommendations was very insightful.
I will say, “It is your loss if you choose to hire other financial planners.”
(Testimonial given recently in 2019)
The finance advice and the investment advisory service that I received from the Holistic Investment Planners was meticulous. To my relief, they created a well-diversified mutual fund portfolio to make the right investments and they are conducting a periodical portfolio review for maintaining good returns.
I would recommend Holistic Investment Planners to anyone who wants to achieve their financial goals.
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(Testimonial given earlier in 2015)
I am dealing with Holistic Investment Planners since 2000. I have got excellent results after working with them. I was able to do my daughter’s marriage only with the help of Holistic Investment Planners. I am getting good support from their staffs all the time. I can refer Holistic to my Friends & Relatives. I wish them all Prosperity & Development in the Years to come.
Before I met Holistic Investment Planners, my investment was in a scattered manner in different Demat accounts. They suggested investing in debt funds which helped me gain more returns than investing in bank FDs. Or else I would have kept the money in FDs which would have resulted in lesser yield and more tax burden. Now I could bring every investment under a common platform both for my wife and myself. I opted for the retirement planning after gaining confidence in their approach to investments along with customer inputs.
Since I could not devote my time to the investment planning, I was looking for the investment planners whom I could rely upon and advice based on the market conditions. I would have lost money if I had invested more on the equity funds without the support of Holistic Investment Planners.
I like their Customer-centric approach and they are providing more friendly service. I have already recommended Holistic Investment Planners to one of my colleagues.
Before I joined Holistic Investment Planners, my investment was skewed towards a particular asset class. I would have continued in this path had it not been for intervention from them, and I feel my investment is fairly diversified now.
Holistic investment planners helped me achieve three investment objectives – Goal based investment, portfolio diversification and discipline in investing.
The quantitative and qualitative work that goes behind the assessment of mutual funds by Holistic is very structured. With so much information available on the web, it is easy to choose mutual funds on the basis of top performing funds. However, there is much more that goes being selection and proposing the fund which I find Holistic does quite well.
Their financial plan is extremely comprehensive and detailed. The team in Holistic is available throughout the year to answer any questions. There is always an effort to reach out and provide timely information through specific articles and e-mails. I have not had the need to perform any follow up to date in the last two years in regards to any of my investments.
I will highly recommend Holistic if you would like to do a fully fledged comprehensive financial plan for your financial life.
Holistic Investment Planners gave me the confidence to achieve my Life Goals. Their availability, patience and trust are my favourite part after I began to work with them. Their Customer Orientation is their strength. They help by sharing of financial knowledge to their customers.
🙂 I would have worked with some other financial planners. But, I am not sure I would have found someone this flexible and supportive. If you are planning to hire them, then don’t think twice.
I have been associated with Holistic Investment Planners for the past eight years. From day one, I realized that they give top priority to good customer service. They talked to us patiently and understood our needs and gave us the best of plans for us to lead a comfortable retired life. They regularly kept us informed about how our Investments were performing. Now they have made it much easier for us to view our accounts with them, by giving us access to operate online. I see that the investment options chosen by them are well researched and are good performers thus giving us good returns. I sincerely thank them for the best service.
(Testimonial given recently in 2020)
Holistic Investment Planners are systematic, thorough and meticulous in their approach towards the research they carry out before providing financial advice. They helped me to develop clarity of thought in formulating my financial goals.
They give me professional advice to invest in Mutual Funds having a good performance. Without them, my financials would not be organised.
They have been constantly monitoring the progress and implantation of the recommended plan with regular updates, giving me a sense of peace and comfort.
I would recommend Holistic Investment Planners to anyone interested in achieving financial independence. A professional organisation.
Now I feel peace of mind knowing the investments made are in high performing funds.
(Testimonial given earlier in 2019)
Holistic Investment Planners carried out a systematic study of my future needs and requirements. They formulated a plan in consultation with me to check its suitability and thereafter helped me to execute this Financial Plan. When I look back over the past 5 years, this Financial Plan gives me confidence that I am heading in the right direction towards financial stability.
The time lost in preparation for future goals is not going to come back. The earlier one starts the better. Holistic Investment Planners has helped me to organise my savings for Emergencies as well as towards preparation for Future requirements.
They are well organised. They keep track of my investment portfolios and are ever ready to clear my doubts about the financial concepts of investments.
My humble suggestion is, use the opportunity to engage with Holistic Investment Planners, discuss your requirements and observe first hand, how the professionals come up with interesting solutions.
I liked working with Holistic Investment Planners as they have a professional approach, are open to suggestions and very much oriented towards customer satisfaction.
(Testimonial given earlier in 2017)
My association with Holistic Investment Planners has been for the past 3 years. Now, I am more focused on systematic savings and thanks to the guidance from Holistic Planners. I have also started to keep track of my expenses and plan a budget for the month.
Always I had the thought of Life insurance and security of assets, but Holistic Planners were able to guide me and help me in accomplishing this. The correct advice from the team to secure the future by planning in the present is of immense value to me. Clarity in the concepts of Mutual Funds and its long term benefits were the favorite part.
From my experience, I would like to say that Holistic Planners are one of the Best in the Field of Financial Planning, and one can rely on them without any second thought.
(Testimonial given recently in 2019)
After my association with Holistic, now I have good peace of mind and I don’t need to worry about investments.
They have a lot of patience for your queries and they would become another close friend who has strong financial knowledge. I like their professionalism and depth of their knowledge of financial. If it wasn’t them, I wouldn’t be a disciplined investor and that would have compelled me for unnecessary spending.
If you are planning to work with them, then definitely, you will work with them for a long lasting relationship.
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(Testimonial given earlier in 2018)
I am pretty new to Financial planning. I have just started my journey. But the way Holistic Investment Planners gave the plan and their approach gave me a lot of confidence and peace of mind. Their Comprehensive financial planning is very clear and simple. Their interaction is very professional and caring. It is very much needed for a long time relationship. As I believe, Financial planning is not a product to buy it is a process. I am looking forward to having a knowledgeable & successful journey towards my financial freedom along with Holistic investments.
Holistic Investment Planners’ is worth the money I paid. Now I have a planned and systematic approach for my retirement. They are reviewing my portfolio at regular interval and we can easily get access to the Experts.
They have a solid approach to investments. Their plan doesn’t promise fancy returns for the sake of marketing but a pragmatic in setting goals. If it wasn’t them, I would have worked without a plan.
Holistic Investment Planners carried out a systematic study of my future needs and requirements. They prepared a plan in consultation with me and my spouse to check its suitability and thereafter helped me to execute this Financial Plan. When I look back over the past 3 years, this Financial Plan had given me big confidence that I am heading in the right direction towards financial stability.
Without the support of Holistic, I would have ended up making incorrect financial decisions.
They are well organised. They keep track of my investment portfolios and are ever ready to clear my doubts about the financial concepts of investments.
You don’t have to have second thoughts about hiring them; for sure “Holistic” is the market leader in this space. They provide the best of the best services. I am one of their happy customers since 2017.
Holistic Investment Planners helps me to chart out my life targets/objectives. Further, based on that, they not only just formulated a financial plan but also helped me to implement the same. This resulted in a financial discipline in my life.
They are always available to answer any query related to market and financial planning.
I would recommend everyone to have financial planning in their life. Many of us either end up being too conservative or too liberal in their financial management. Holistic Investment Planners can help you in optimizing your financial planning. Thereby you can plan to achieve your life objectives in a more balanced manner. Further, they also help you in implementing your financial plan and conducts intermediate reviews to assess the performance of your investments. You will get one of the best services of Holistic Investment Planners.
I like their professionalism.
Holistic Investment Planners providing me with a comprehensive financial plan incorporating both my short-term & long-term goals. They are very responsive and easy access to my plans. I highly recommend them to anyone considering managing their finances. Having the experts to deal with navigating the plethora of mutual fund schemes & portfolio management frees up a lot of my time and energy spent otherwise.
If I didn’t meet them, it would have involved a lot of effort to find the right investment strategies for me.
I appreciate the financial articles that are well written and backed by data.
Holistic Investment Planners is following the way of systematic way of building corpus to achieve the financial goal with appropriate investment analysis of my requirement.
Before I met them, I have no market knowledge for where to invest. Hence most of my fund was in FD which was getting less appreciation rate. This would have not been helped to achieve my requirement and put me at risk for the shortage of funds.
I would thank Holistic Investment Planners for making better investment plan to achieve my goals as per the required time frame. So continued with their plan and it feels happier and thus relieves my financial worries.
I like their way of studying my financial report & risk analysis.
I would say “To lead a happy life in terms of financial get their proper guidance to reach your goals.”
They follow up on investment, update the status of current market updates by email, and clarify the doubts on financial parts.
Holistic Investment Planners disciplined my investments and savings which I was not able to do without the support. Without them, it would have cost me much more than a monetary loss.
They are not making any hasty decisions. Everything has a clear cut process and importantly Holistic keeps reminding me to check on my financial goals. This has helped a lot to keep track.
There is a free 60 minutes counselling to understand and support you. You should work with this group on a long term basis to reach your goal. I would highly recommend it.
Holistic Investment Planners is very humble and down to earth team, everyone is very respectful and calm in managing day to day affair. They go overboard in helping the customers.
I have started recording my monthly cash flows after the association with Holistic Investments only. They helped me to identify the gaps between expenses vs. saving.
Holistic Investment Planners helped me to understand every aspect of personal financial planning and how each section is important from emergency fund management to forecasting future goals and including insurance planning.
If I am not associated with holistic, then I would have never thought of goal-oriented future planning of all sides and insurance requirements for a family which would have lead to a difficult path in future.
They have an excellent Management Team and they clarify questions with a lot of patience.
I would recommend Holistic Investment Planners for someone who looks to build healthy personal finance using Holistic team expertise knowledge and clarity in financial planning.
I like their financial blogs. It is very helpful. Especially, their honesty in explaining how personal finance planning cost between 3 common models of fee-only financial planners.
I started investing in January 2020. Now I have seen a decent gain with the COVID 19 with the pandemic.
Without Holistic Investment Planners, I would have made the wrong choices with my investments. Also, it would have taken a lot of time and research to select the best investment plans.
Their response is very quick. I feel like it is very valuable to interact with them because of their suggestions are valuable.
With Holistic Investment Planners, your investment plans are in good hands. I can reach them easily if I have any doubts or concerns.
After my association with Holistic Investment Planners, I learnt a lot about financial planning. For my every query, they give me a quick response. They are very professional in their work. If I did not meet them, I would have cost me a lot.
They are Trustworthy partnership.
Holistic Investment Planners is a reliable organisation to entrust funds with our investments. They have a ready response to my concerns. Before I met them, I was in constant worry and tension. Now I have peace of mind in regard to the management of funds. Their personal interactions are very cordial and congenial.
For many years, I was not sure what and why we have to invest? And I always thought simple bank savings is enough. But I realized that in order to achieve a few financial goals, there has to be a diversified portfolio to cover short and long term goals. Holistic helped me open my eyes to achieve these goals by investing in the right set of portfolios. There is still a long way to go for me but I am more confident that I can achieve some of them with constant feedback from Holistic.
They help me to get to know how things work in financial markets and some of the basics. Their staffs I work with for planning and implementation are friendly and helpful. They are not pushy and they seem to lay the facts for us to make a decision.
If I decided not to work with them, then I would have been blindfolded and may have found it very difficult to achieve my goals.
This is my first year with Holistic Investment Planners. Rather than analysing the profit / monetary figures right investment, I would like to highlight that a feeling of security that someone is looking after and analysing my investments is there. A proper plan of how to continue with investment is drawn and discussed.
If it wasn’t them, then I might be continuing with a poor plan of financial investment which was managing myself before.
They are drawing a financial plan for the goals which I have set.
They are friendly, cooperative and ready for discussions at any time. The ideal partner for all those especially mariners who cannot actively track the market conditions due to sailing and connectivity issues
If you are thinking of hiring Holistic Investment Planners, then go for it!!!
Before my retirement, I contacted Holistic Investment Planners to help me in managing my investments and planning for future financial security. With their guidance and advice, I could make proper decisions and investments. After retirement, I have peace of mind regarding my finance.
Without their help, I would have ended up losing money in the wrong investments and would have become unsecured.
They gave me immediate and proper advice regarding ‘all’ my queries.
I have seen many people who worked like me in the Gulf but have ended up struggling after retirement due to improper financial planning, decisions and investments. I will recommend Holistic Investment Planners to anyone who wants to manage their finances wisely. The relationship manager assigned to me is friendly and gives proper advice to make proper financial decisions.
For a returning NRI seeking a peaceful retired life and in need of advice on investment, tax planning, tax filing and organizing financial affairs, M/s Holistic Investment Planners proved to be the right people. They are always only a phone call away. They provide me with good advice and thus peace of mind.
I’ve been using their services for the last 5 years and they have never disappointed me even once. They provide really valuable suggestions and if we need to get anything done, they do it promptly and give us the acknowledgment for it. I must especially appreciate Mr. T. Rajan for taking care of my financial plans, providing suitable advice for my portfolio and managing it. It relieves so much of my time and offloads significant pressure off me, in terms of managing my financial portfolio. I would recommend their services for anyone who wishes to have their finances handled. Kudos to your company and keep up the good work!
I have been associated with them for past 1 year. They are very professional in their approach. They have vast experience in the field. I would recommend financially naive individuals like me to get enrolled in their comprehensive plan. Which is helping me a lot in planning my financials confidently.
I am with Holistic Investment for several years now, they have helped me to streamline my investments.
Holistic is fundamentally created disciple of managing your investments in line with your goals.
Excellent guidance helped me to accomplish key goals on time.
Holistic is more than consulting – They are a lifelong guide for the true financial freedom seekers.
It has been 5 years since I started my SIP. And I can comprehensively say that HIP is the backbone of my financial planning. Team HIP is always very supportive. Their expertise is always available for me. Especially Mr.Ramalingam and Mr.Rajan are professionally guiding me to achieve my goals. I would appreciate them for maintaining a systematic approach for every year plan like… collecting fact finders to understand any change in my goal, etc. They are conducting a scheduled review meeting to track the progress of my investment and giving feedback. If anyone wants help from experts for their financial planning, then Holistic is the right place, not because just rest assured… definitely return assured!
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 to make investments. They never pressurize you to invest in their recommended financial products. I would have 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 the 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.
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 the internet way out and fortunately came across Holistic Investment Planners. I read a 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 on the client list of Holistic. I have recommended Holistic to my friends as well.
I’ve been availing of 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.
Holistic Investment Planners showed me a proper disciplined way of growing my wealth. They
showed me a Clear approach on how they would be guiding me through the process and also the
transparency around their investment methodology.
Valuable advice comes at a cost and instead of just wanting to get everything free of cost, I would
recommend that you invest a small portion of your cost as a fee and you will be able to recoup that
easily by the value that Holistic Planners add to your portfolio. Very happy with the constant support
that I get from them for any Adhoc investments that I want to do. Service is truly holistic and not
limited to just the yearly and mid-year review.
I have been associated with Holistic Investment Planners for the last year for post-retirement financial planning. They have done an excellent job in developing a comprehensive plan, considering the corpus at disposal, planning for all the expected cash outflows, and recommending a perfect mix of investments to meet regular living expenses at the same time beating inflation for the future years. Kudos to the excellent webinars arranged which have been hammering the importance of the behavioral aspect of long-term investing for wealth creation. Well done guys. Would highly recommend HIP for people who want to keep things simple and rewarding..!
I have been working with Holistic Investment Planners for over two years now. The team is very professional, responsive, and committed through and through. We have been very pleased with the interactions with Mr. Ramalingam, Mr. Rajan, and Mr. Srinivasavaradhan, and the wider team and what they have been able to help with our portfolio planning and execution.
I would like to thank them for their excellent support throughout these years, and looking forward to a long rewarding association with Holistic Team, and wish them all the very best!!
I have been availing the services of Holistic investment planners since 2013. Mr. Ramalingam and his team of professionals have proven to be very professional, prompt, and precise with their financial planning advice.
The thing I value the most is that they are impartial and work only for you unlike the financial advisors of some banks. I had tons of questions over these years and the team answered them to my satisfaction. I look forward to the numerous webinars organized by Mr. Ramalingam. Wish this team all the best.
Holistic was helpful in planning our investment. I had achieved positive results
working with holistic. If I hadn’t worked with them, I would have lost some
money. I would suggest to go-ahead to someone who is thinking of hiring
holistic.
Excellent service. Satisfied with the financial planning methods. I recommend reaching Holistic investment planning for reaching your financial goals
Holistic Investments were providing me with financial advice for almost a year.
Unlike the majority of Financial Advisors out there, they are more concerned with what’s best for me and my circumstances.
Excellent and up-to-date advice, regular contact through face-to-face reviews. Very professional, knowledgeable and so easy to work with.
I have been using Holistic Investment services for the last 2 years. I am very pleased with the approach offered by them for a good financial plan.
There is always a quick response when you need any advice; they have a very helpful and supportive team!
I’ve been availing the services of Holistic Investment for a while now. They provide customized and comprehensive advice based on our situation and future plans. They’re always available for answering any queries and the staff is also very prompt and helpful. Really appreciate their support!
Before engaging with Holistic Investment, I did extensive research to find a genuine financial planner, and eventually, I decided to engage with them and I don’t regret it. I have been working with them for the past 1 year and I am impressed with their service. They have a systematic process and there is engagement and reviews at regular intervals. Mr. Ramalalingam is an expert whom you can trust. He is very approachable and provides clarifications as and when necessary.
I started my interaction with Mr. Ramalingam one year back for my retirement planning. Now I feel very happy that there is someone to guide me about my finance during my retirement. Mr. Rajan and Mr. Srinivasavaradhan are always very helpful and they guided me very well at every step which ensured that my retirement life is peaceful. I am thoroughly satisfied with their service and all the team members and I strongly recommend them to everyone.
We are taking their advice for almost a year now. Apart from advice & suggestions, they are taking periodical good initiatives for investor awareness which is commendable. They are simply the best in what they are doing.
I’ve been with Holistic Investment planners for over 5 years now and they’ve been excellent in…
I recently moved back to India from US and wanted some advice on financial planning and tax matters….
Reply to review
Your entire team impressed me with their sincere services and, fruitful interactions. I thank…
I have been associated with Holistic Investment Planners since the last 1 year. It was for my post…
Dear Sir Thank you very much for giving me your wonderful advice. Your inspiring words have made…
I am working with Holistic planners from 2 years and they are helpful in suggesting/managing my portfolio and they are always helpful for any feedback on productions/investment questions.They revamped my portfilio from many fund houses to 5 funds (quite managable) and their review on any product is very detail and I expect their team to extend the continuous support
One of friend referred me to Hoslistic financial planner, and it was one of the best help i got for my overall financial planning and knowledge. Holistic investments helped me to build a comprehensive financial plan based on my current financial situation. Since then I’m regularly following their guidance on the SIPs. They also promptly answer to my adhoc questions when I’m struck with any financial situation. I am really happy with their support and I can confidently say that I got a mentor to guide me on my financial journey so I won’t go wrong anywhere.
They also conduct monthly webinars on various investment topics. It really helps to enrich our financial knowledge.
Thank you everyone at Holistic for their kind support!!
For the past year, I have been interacting with Holistic Investment. I frequently read Nanayam Vikatan, which is a publication owned by the Vikatan family, and I was impressed by their financial advice. My brother also suggested holistic investing, and he also got excellent financial advice.
Holistic Investment follows a methodical approach that I really liked because they first fully understand our financial situation “As Is,” which includes “Assets” and “Liabilities,” as well as our short-, mid-, and long-term goals, on the basis of which they provide a detailed plan on how to achieve our goals for which they are recommending various investment options.
Even in the investment advice, why do they suggest particular mutual funds and what is the justification behind it, which adds transparency to the client.
One essential factor is that they are always available. Even if I needed to make some urgent financial decisions, they were very helpful and kind to answer my questions via phone calls, WhatsApp messages, and emails. I was very happy with their service.
Periodic reviews are also crucial, even though I have forgotten that they occur once every three months, and I also intend to renew this year.
We have availed holistic service from last couple of years and are very happy with our decision.
Their systematic approach has helped us plan our finances and meet our goals.
They provide very comprehensive and detail plan and resource management every 6 months which ensures we are on right track to achieve our goals.
Rajan and Ramalingam from holistic are always there to help us with our queries.
They have also accommodated any changes to our goals or resources mid year in a professional manner.
I have been investing through Holistic for the past 4 years and my experience with them have been really good. The team of Rajan and Ramalingam doing excellent services in meeting my needs through proper guidance on investment options customized.
Theya re always available on any specific needs time to time.I would recommend their services to my friends and colleagues too.
Working with holistic investment planners was a really wonderful experience for me. For me the entire team had been very supportive in all ways. Their working strategy is well planned and methodical. They always keep me informed and updated about my investments, so that i can take informed decisions. The team first helps us understand the basics of investments, then they collect data, work with the data and then provide investments solutions according to our goals which i find it the best. Good luck to the entire team.
Very knowledgeable team. Guided me properly with my concerns.
Mr Ramalingam who is the Director of Holistic Investments has excellent financial planning knowledge, the entire Holistic team has been very helpful in my financial planning journey and execution. This is my third year of financial planning with Holistic Investments and so far I am satisfied with the progress I have made.
Holistic Investment is a really nice and trustworthy financial planner. They plan things in a realistic manner and also consider the future dimensions of items also. They are always available for small or big queries, and also share knowledge and help you become more financially literate, and take the right decisions in all financial matters.
A very knowledgeable and professional team guided me with precise financial solutions and timely suggestions.
Na eppo tha financial goal la enna therunju kitta..enaku full support panna thuku thank you.. friendly nalla pesuninga…
