Facebook TwitterLinkedInYoutubewhatsapp Start Planning for your Financial goals
Schedule Your Free Consultation
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
Holistic investment planners, financial planning Chennai, Private wealth management Chennai

Holistic investment planners, financial planning Chennai, Private wealth management Chennai

Financial Planning chennai India, Private wealth management chennai India, Investment Advisory India, Systematic Investment Plan, Mutual Fund SIP, Mutual Fund ELSS, Tax Saving scheme

  • Home
  • About Us
    • Who we are & What we do
    • Services
      • Financial Road Map
      • Retirement Roadmap
      • Asset Allocation Plan
      • Webinar
      • Money Management
      • Wealth Management
    • In the Media
    • Testimonials
    • What Makes Us Different
    • How we can help you
    • Specialties
    • Honors and Awards
    • Vision & Mission
  • Resources
    • Blog
    • Articles
    • Podcast
  • Ideal Client
  • Contact Us

SBI Life Retire Smart Plus: ULIP Review– Is it Good or Bad?

by Holistic Leave a Comment | Filed Under: Insurance

Listen to this article


Have you started to save for retirement as early as you can to take advantage of the power of compounding?

What is the most challenging aspect of retirement planning?

It is creating a portfolio to achieve the retirement corpus. Rebalance the portfolio to reflect the changing market condition.

SBI Life Retire Smart Plus is a pension product where you can pay a single premium or limited & regular premium & hope to enjoy the annuity pay-outs.

In detail, let us look into the accumulation phase, vesting period, and distribution phase of the SBI
Life Retire Smart Plus plan.

Table of Contents

1.) An overview of SBI Life Retire Smart Plus

2.) Features of SBI Life Retire Smart Plus

3.) Eligibility Criteria for SBI Life Retire Smart Plus

4.) Benefits under SBI Life Retire Smart Plus

5.) Fund options of SBI Life Retire Smart Plus

6.) Various Charges under SBI Life Retire Smart Plus

7.) Surrender of SBI Life Retire Smart Plus

8.) Advantages of SBI Life Retire Smart Plus

9.) Disadvantages of SBI Life Retire Smart Plus

10.) Research Methodology on SBI Life Retire Smart Plus

11.) Benefit Illustration analysis on SBI Life Retire Smart Plus

12.) SBI Life Retire Smart Plus vs. Other Investments

13.) Final Verdict on SBI Life Retire Smart Plus

An overview of SBI Life Retire Smart Plus 

SBI Life Retire Smart Plus is an Individual, Unit-linked, non-participating Pension Savings Product. It enables you to build the corpus you need, through market-linked returns. 

This plan has 7 diversified fund options to choose from, which come with different risk-reward ratings to suit the requirements of a variety of investors. Benefits can be enjoyed in the form of annuities except to the extent of commutation of such benefits as allowed. 

Features of SBI Life Retire Smart Plus 

  • 7 diversified fund options to choose from as per your risk appetite.
  • Premium paying term – Single premium, Regular premium or for a limited period.
  • Loyalty Additions are payable every year starting from the end of the 15 Policy years.
  • A terminal Addition of 1.5% of the Fund Value helps to boost the fund value.
  • After completion of the lock-in period (5 years), partial withdrawal is allowed to meet financial emergencies.
  • Unlimited free switches are allowed during the policy term.
  • Free Premium redirection is available from 2 policy years onwards.

Eligibility Criteria for SBI Life Retire Smart Plus:

Age at Entry Minimum: 20 years Maximum: 60 years
Age at Maturity/Vesting Minimum: 30 years  Maximum: 70 years
Premium Payment Option Regular Premium / Limited Premium / Single Premium
Premium Payment Term and Corresponding Policy Term Premium Payment Option  Premium Payment Term (Years)  Policy Term (Years)
Single Premium Onetime (inception) 10 to 35 (both inclusive)
Regular Premium Same as the policy term 10 to 35 (both inclusive)
Limited Premium 5 to 8(both inclusive)  10 to 35 (both inclusive)
10 15 to 35 (both inclusive)
15 20 to 35 (both inclusive)
Premium Range (in `) (in multiples of ` 100) Premium Payment Option Minimum Maximum
  Single Premium 1,00,000 No Limit, as per board-approved underwriting policy
  Regular Premium Yearly – 30,000 Half Yearly – 15,000 Monthly- 3,000
  Limited Premium Yearly – 40,000 Half Yearly – 20,000 Monthly – 5,000
Premium Frequency Single / Yearly / Half-yearly / Monthly

Benefits under SBI Life Retire Smart Plus:

Death benefit:

If the policyholder passes away, unfortunately, then the nominee or the legal heir will get the death benefit claim as the higher of the following is payable

  • Fund Value as on the date of intimation of death claim Plus Terminal Addition. 
  • 105% of the total premiums received up to the date of death less Applicable Partial Withdrawal if any.

Maturity benefit / Vesting benefit:

On survival of the life assured till the end of the policy term, provided the policy is in force, you will receive the: Fund Value as on the date of maturity/vesting Plus Terminal Addition.

The utilisation of the corpus (Maturity benefit)

  1. To utilize the entire proceeds to purchase an immediate or deferred annuity at the then prevailing annuity rates from SBI Life Insurance or another Insurer (subject to 50% of the entire proceeds of the policy net of commutation).
  2. To commute up to 60% and utilize the balance amount to purchase an immediate or deferred annuity at the then prevailing annuity rates from SBI Life Insurance or another Insurer (subject to 50% of entire proceeds of the policy net of commutation).
  3. To extend the accumulation period or deferment period within the same policy with the same terms and conditions as the original policy provided the policyholder is below the age of 60 years.

Other benefits

Loyalty Addition:

Loyalty additions are 0.30% of the average of the fund value as of the first day of the policy month over the last 12 policy months and would be added to fund value at the end of every policy year starting from the end of the 15th policy year.

Terminal Addition:

1.5% of the fund value as of the date of intimation of death claim/ vesting date will be paid as Terminal Addition. It will be paid only for in-force policies at maturity/vesting of the policy or earlier death.

Partial Withdrawal:

Partial Withdrawals are allowed only after the lock-in period (5 Years) is completed. 

Fund options of SBI Life Retire Smart Plus:

Option to choose any one or a combination of the below 7 funds available under the product.

Investment options Asset Allocation Risk
Fund Equity & Related instruments Debt related instruments Money market & Cash equivalent  
Equity pension fund 80-100% 0-20% 0-20% High
Equity optimiser pension 60-100 % 0 – 40% 0 – 40% High
Growth pension fund 40 – 90 % 10-60% 0 – 40% Medium to high
Bond pension fund 0-0% 60-100% 0-40% Low to medium
Money market pension fund 0-0% 0-20% 80-100% Low  
Top 300 pension fund 60-100 % 0-0% 0-40% High
Balanced pension fund 40-60% 20-60% 0-40% Medium    
    Govt Securities Money market  
Discontinued policy pension fund   60-100% 0-40% Low  

Various Charges under SBI Life Retire Smart Plus:

Premium Allocation charge:

  Allocation Charge (% of premium)
Policy Year Regular/Limited Premium Single Premium
Year 1  6.00% 3%
Year 2  4.75% NA
Years 3 to 10  4.00% NA
Year 11 & onwards 2.50% NA

Policy Administration Charge: 

Policy Year  Policy Administration Charge
Years 1 to 5  45 per month
Year 6 & onwards 70 per month

Fund Management Charges:

Fund Fund Management Charges
Equity pension fund 1.35% p.a.
Equity optimiser pension 1.35% p.a.
Growth pension fund 1.35% p.a. 
Bond pension fund 1.35% p.a.
Money market pension fund 1.25% p.a.
Top 300 pension fund 1.00% p.a.
Balanced pension fund 0.25% p.a. 
Discontinued policy pension fund 0.50% p.a.

Discontinuance charge:

It depends on the year of discontinuance, annualised premium amount & mode of premium. There is no discontinuance charge from the 5th policy year.

Switching Charge: 

There are no charges applicable for the Switching of funds.

Premium Redirection charges: 

No charges are applicable for Premium redirection.

Partial Withdrawal Charges: 

A partial withdrawal charge is not applicable.

Mortality Charges: 

 Mortality charges are recovered monthly, on the first working day of each policy month by the way of cancellation of an appropriate number of units. Mortality charges will be based on your age and Sum at Risk at the time of charge deduction.

Miscellaneous Charges: 

For an increase in the policy term, increase in premium payment term or converting limited premium payment term to Regular premium payment term options, a charge of INR 500 each will apply. The charges will be recovered by way of the cancellation of the units.

Insight on charges:

Only Fund Management Charges and Mortality charges are justifiable charges. The rest of the charges seems unjustifiable. It is interesting to note that, there are no such unwanted charges in mutual funds.

In the end, even if the plan gives you 4-8% of the return, we will get less after deducting these charges.

The grace period, Revival & Discontinuance

Grace period:

The grace period for this plan is 15 days for the monthly mode and 30 days for all other modes. The policy will lapse if the policy premium remains unpaid.

Revival:

You have 3 consecutive policy years from the date of the first unpaid premium during which you can revive your policy, which was discontinued due to non-payment of the premium.

Discontinuance:

Discontinuance of policy during the lock-in period

For other than Single premium policies: Upon expiry of the grace period, in case of discontinuance of a policy due to non-payment of premium, the fund value after deducting the applicable discontinuance charges shall be credited to the discontinued policy pension fund and the risk cover, if any, shall cease.

In the case of Single premium policies: Option to surrender at any time during the lock-in period. The fund value, after deducting the applicable discontinuance charges, shall be credited to the discontinued policy Pension fund. It shall continue to be invested there till the lock-in of 5 years.

Discontinuance of policy after the Lock-in period

For other than single premium policies: Upon expiry of the grace period, in case of discontinuance of a policy due to non-payment of the premium, after the lock-in period, the policy will be converted into a reduced paid-up policy. 

For Single Premium Policies: Option to surrender the policy at any time. Upon receipt of the request for surrender, the fund value as of the date of surrender shall be payable.

Surrender of SBI Life Retire Smart Plus:

Option to surrender the policy anytime and proceeds of the discontinued policy shall be payable at the end of the lock-in period or date of surrender whichever is later.

The maturity benefit at the time of surrender can be annuitized wholly or partially as described under the vesting benefit.

Advantages of SBI Life Retire Smart Plus:

  • Premium paying mode can be chosen based on convenience.
  • This plan helps to save systematically for retirement.
  • Option to select from 7 fund options & flexibility to switch to other funds.
  • There is no premium redirection charge, partial withdrawal charge & switching charge.

Disadvantages of SBI Life Retire Smart Plus:

  • The lock-in period is 5 years.
  • The maturity benefit can only be annuitized. The fund value cannot be redeemed & utilised for other life goals. 
  • Various charges are deducted from the premium before it gets invested.
  • There is no guarantee in the maturity benefit (vesting benefit) which decides the future annuity amount.

Research Methodology on SBI Life Retire Smart Plus:

Now, we have seen all the important details like the features, advantages, disadvantages, and charges of the SBI Life Retire Smart Plus plan.

Though the details are important, it does not help us to decide whether we should buy this plan or not.

That’s why now we are going to do a research methodology on the IRR of SBI Life Retire Smart Plus.

To do the research, first, we will calculate the IRR of SBI Life Retire Smart Plus by using the SBI Life Retire Smart Plus Online Calculator.

Then, we will calculate and compare the IRR of other investments to see which investment option gives us a better return.

This can help us to decide whether you should buy this plan or not.

Benefit Illustration analysis on SBI Life Retire Smart Plus:

The following benefit illustration is for a 30-year-old male. He invests Rs. 1 lakh for 15 years & the policy term is 25 years. There is no defined sum assured, in most cases the fund value is payable on death.

    At 4% p.a. At 8% p.a.
Age  Year Annualised premium / Maturity benefit Annualised premium / Maturity benefit
31 1 -1,00,000 -1,00,000
32 2 -1,00,000 -1,00,000
33 3 -1,00,000 -1,00,000
34 4 -1,00,000 -1,00,000
35 5 -1,00,000 -1,00,000
36 6 -1,00,000 -1,00,000
37 7 -1,00,000 -1,00,000
38 8 -1,00,000 -1,00,000
39 9 -1,00,000 -1,00,000
40 10 -1,00,000 -1,00,000
41 11 -1,00,000 -1,00,000
42 12 -1,00,000 -1,00,000
43 13 -1,00,000 -1,00,000
44 14 -1,00,000 -1,00,000
45 15 -1,00,000 -1,00,000
46 16 0 0
47 17 0 0
48 18 0 0
49 19 0 0
50 20 0 0
51 21 0 0
52 22 0 0
53 23 0 0
54 24 0 0
55 25 0 0
    22,62,172 45,96,020
       
  IRR 2.28% 6.22%

The above-mentioned assumed rates of returns @4% and @8% p. a. are only illustrative scenarios. They are not guaranteed, and they are not higher or lower limits of returns. 

Moreover, the fund value cannot be redeemed fully. It can be annuitized wholly or partially depending on the then prevailing rate of the annuity. So, the IRR that we see here is during the accumulation phase of retirement. There is no guarantee in the annuity which you may receive in the future. The maturity benefit / Vesting benefit cannot be encashed wholly. This makes the policyholder paralysed with the limited option.

SBI Life Retire Smart Plus vs. Other Investments:

Since there is limited option to utilise the maturity proceeds with the SBI Life Retire Smart Plus plan, let us probe into other options where there is no restriction in redemption & utilisation of accumulated funds.

In the above illustration, there is no specified death benefit, only the fund value accumulated till the date of death is payable to the nominee. So, we can consider the total annual cash flow used for corpus accumulation. 

SBI Life Retire Smart Plus Vs. PPF Vs. ELSS

If a person invests the same Rs. 1 lakh per annum for 10 years & waits till the maturity at the end of the 25th year the corpus can be utilised as he wishes. The investment vehicle can be equity or debt depending on the risk appetite. 

    PPF ELSS
Age  Year PPF ELSS
31 1 -1,00,000 -1,00,000
32 2 -1,00,000 -1,00,000
33 3 -1,00,000 -1,00,000
34 4 -1,00,000 -1,00,000
35 5 -1,00,000 -1,00,000
36 6 -1,00,000 -1,00,000
37 7 -1,00,000 -1,00,000
38 8 -1,00,000 -1,00,000
39 9 -1,00,000 -1,00,000
40 10 -1,00,000 -1,00,000
41 11 -1,00,000 -1,00,000
42 12 -1,00,000 -1,00,000
43 13 -1,00,000 -1,00,000
44 14 -1,00,000 -1,00,000
45 15 -1,00,000 -1,00,000
46 16 0 0
47 17 0 0
48 18 0 0
49 19 0 0
50 20 0 0
51 21 0 0
52 22 0 0
53 23 0 0
54 24 0 0
55 25 0 0
    53,85,261 1,18,31,142
       
  IRR 7.10% 11.49%

The accumulated corpus under PPF is Rs. 53.85 lakhs & under the ELSS option (post-tax) is Rs. 1.18 crores. There is no restriction in the redemption/liquidation of these maturity proceeds which is the greatest negative point in SBI Life Retire Smart Plus. 

This accumulated corpus can be invested in a combination of fixed income & equity products & enjoy a happy retirement life with a step up in the annual income as well. 

Final Verdict on SBI Life Retire Smart Plus:

The negative side is, the corpus accumulated through this plan cannot be encashed by the policyholder. It can only be annuitized (part commutation allowed). There is no other option left with the policyholder.

Any investment plan should be chosen based on the risk (safety), return & liquidity. Here, SBI Life Retire Smart Plus lacks a liquidity feature. Also, the return is not proportionate to the risk. The premium gets invested after the deduction of various charges. 

If you have any comments or questions, write them in the comment box below.

Or are you interested in creating a Comprehensive Financial Plan for your financial goals?

Skip the queue by registering for your 30 Minute FREE Financial Plan Consultation. Click the ‘‘BOOK YOUR SLOT NOW!’’ button below. 

So, choose an appropriate investment product during the accumulation phase as well as in the distribution phase of retirement to have stress-free golden days.

Reader Interactions

Previous article: LIC New Jeevan Anand: Analysis & Review– Should you buy?
Next article: Gold: As an Asset Class – What is the Role of Gold in your Portfolio?

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Client Login

Recent Posts

  • Tata AIA Life Insurance Wealth Pro Plan Review: Good or Bad?
  • Bajaj Allianz Life Smart Wealth Goal – Wealth Variant Plan Review: Good or Bad?
  • Max Life Savings Advantage Plan Review: Is It a Good Investment Choice?
  • Tata AIA Life Insurance Fortune Guarantee Pension Plan Review: Good or Bad?
  • HDFC Life Smart Woman Plan Review (2023): Is It Worth Investing?
Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

Jey S
Jey S
24. September, 2021.
I have been using Holistic Investment Planners for the last three years. Mr. Srinivasavaradhan answered all my questions and doubts very patiently during the first free consultation. I was able to clearly define my short-, medium- and long-term goals once I signed up for the comprehensive plan and got their investment plan suggestion to achieve my goals. They are very polite and highly professional whenever I contact them for any queries or make investments. They never pressurize you to invest on their recommended financial products. I would have been lost money by investing directly without their help since I do not have time and knowledge about different financial products. Risk planning is also done as part of financial planning. Truly, they are holistic planners when it comes to your financial planning. They help you to define your life goals, understand your financial resources and establish a plan to invest towards reaching those goals. They do review your plan as you progress to make sure that you are on correct path to achieve those goals. Kudos to the team and keep up the good work!!! I am happy that I found holistic investment planners for my financial planning and management.
aksaswadkar
aksaswadkar
24. September, 2021.
I was about to retire and really not understanding how to invest money to have financial freedom and fulfilling my goals. Was desperately searching on internet way out and fortunately came across Holistic Investment Planners. I read number of articles on their website and realized that this is the agency which I want and engaged their services for my retirement planning. It is an excellent experience to be associated with Holistic. Right from day one our interaction was fantastic and they gave me such a wonderful plan that I had never imagined. I am fortunate enough to be in the client list of Holistic. I have recommended Holistic to my friends as well.
Lionel Faber
Lionel Faber
16. September, 2021.
I've been availing their services for the past year. They are highly knowledgeable in the field and are very patient with all doubts and queries. Personalized financial planning is provided keeping your short term, medium term and long term goals in mind. They do not pressurize you to purchase schemes of their choice. They provide their input and suggestions and leave the decision up to you which shows their honesty and high principle.
Sridhar
Sridhar
8. September, 2021.
Financial planning brings peace in life. Holistic Investment have supported in arriving financial plan based on future goals. My investments are regular since then. They are professionals in their business, will recommend others.
Nitesh Agrawal
Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Footer

  • Articles
  • Gallery
  • Ideal Client
  • Jobs(Full Time)
  • Podcast
  • Services
  • Testimonials

Connect With Us

Holisticinvestment.in
10/15, Second Cross Street,
Seethammal Extn.,
Teynampet,
Chennai – 600 018,
INDIA.

Copyright © 2022. Holisticinvestment.in | All rights reserved.    Cared with ❤ by T-Square Cloud

×