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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

A small mistake that could ruin your investments

A small mistake that could ruin your investments completely and what to do about it?

Holistic Investment

Do you remember what you did before buying your first bike? Made a research on various brands, looked at the trend of each brand & the product on how they worked and chose the best one you liked, right? Even though, your bike helps you to travel places, no matter what, the resale value will be lesser than the buying price. Isn’t it?

You are investing your time and energy in an object which you will not get any money in return few years down the lane. Think about the amount of time and effort you need to spend on something which is going to bring in more returns. Enough knowledge and informed decision making will help you to become a great investor. Go ahead and read to know how you can become an expert in stock market investing.
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Look before you leap: Foremost among all, have a goal set in. For example, ‘I am 25 now and want to earn ‘X’ amount when I am 45, it is going to be ‘Y’ amount when I am 58 or 60 while retiring’. Focus on choosing the fundamental investment models which can bring in returns as you have planned. Understand the business, company, market fluctuations before stepping into the market.

The ugly truth about investing with ‘gut feeling’:

Investing on stocks with a gut feeling may be successful in one time, but not a right strategy in the long run. All that glitters are not gold. Remember the retirees, middle class and lower middle class workers coming to road crying for their money back when finance companies offered fixed deposits with 18% interest rates but defaulted. Most of them didn’t know the intricacies of how these finance companies were running and where exactly they invested the money received from the public. Same think is what happened to the investors in Emu farming business in the recent times.

Insurance agents, mutual fund brokers, and stock brokers have got a bundle of schemes to sell you. They have got their monthly business targets to meet. Listen to them and learn about various options available to invest on stock market. Do your homework well before getting in. Investing without doing any homework to understand, how the investment model works will be very risky. Knife is a useful tool but need to be careful while using it. Even a slight mistake can cut your fingers. Investing on stock market without enough knowledge is like giving a knife to a 2 year old. He can seriously hurt himself or the others.

Why you’ll never be a successful investor so long as you invest without understanding the product?

It is true that investing on stocks is risky as in running any business. One needs to take a calculated risk. The blindly taken risk and uninformed decision making will lead your investment to go into pieces.

Mutual fund NFOs that joined the IPO club in 2008 will be the best example here. The pure equity NFOs from the mutual fund companies raised Rs. 32,309 crores in 2006 and this NFO collection went up to Rs. 55,000 crores in 2007. About 71%of these schemes were trying to cope up with less than Rs. 10 per unit in 2008.

An analysis done by ETIG brought out the truth about these equity NFOs. Without realizing that the mutual fund is different from the stock market IPOs, there were huge losses reported from the investors. Those who learnt well and understood the wrong projection of mutual fund as IPO escaped from a huge loss. This had even led to banning the word ‘IPO’ when new offers were made on mutual funds funds.

A Deep Danger to your investments and how to avoid it:

Be careful about the structured investment products that come under many names like capital protection schemes, Highest NAV guaranteed Schemes, Nifty linked structured products and more.

Most of the times, the banks, mutual funds or Insurance companies offer such products. They commonly offer these products with the ‘unwritten’ guarantee to secure your capital investment. These products are not easy to understand and they invest in shares, derivatives and debt instruments. They will use risky asset class, but will claim they have combined different asset classes in a way the risk is nullified.

Few Simple Questions that could make you a successful investor:

Don’t invest in anything which you are not able to understand. One of the main reasons why investors loose money in the stock market is they don’t understand completely the product in which they are investing and they don’t know what is the level of risk they take with those investments.

If you are on the verge of investing in mutual fund or other stock market, based investment options, ask yourself the below questions before leaping into the market.

  • Is this investment scheme registered with SEBI or other regulating authorities?
  • Is this investment suitable to me? Is this matching with my financial goals?
  • What is the risk involved and am I comfortable taking that risk?
  • How is this investment going to make money? (By way of dividend, interest, capital appreciation…)
  • What must happen for this investment to appreciate in value? (Stock market should go up, interest rate should come down, midcap should do well…)
  • What are all the charges in the scheme?
  • How liquid the scheme or investment is?

Most importantly, learn through the history to know how the market fluctuations have impacted any particular stock or a mutual fund. You can help yourself by remembering a quote of Warren Buffet, “The markets like the Lord, helps those who help themselves. But unlike the Lord, the market does not forgive those who know not what they do.” Swimming in the ocean is not the same as you swim in your own pool. You need to check on the wind, waves, and the pattern of the tide before getting into the water. A slight mistake here will drown the person.

Doing mistakes and then blaming the market will not help to save even a penny. Estimate the risks involved in each model and the ways to save your money in such scenarios. Do your homework and understand before investing. An ounce of prevention is worth a pound of cure. By failing to prepare, you are preparing to fail.

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

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