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Tata AIA Life Insurance Smart Value Income Plan An In-depth & Insightful Review

Tata AIA Life Insurance Smart Value Income Plan: An In-depth & Insightful Review

by Holistic Leave a Comment | Filed Under: Insurance

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Have you as an investor have taught about long-term financial security and financial stability?

Do you think investing in an insurance plan might serve this purpose?

So, let’s find out if investing in Tata AIA Life Insurance Smart Value Income Plan help you attain financial stability to help you achieve your family’s financial dreams.

Table of Contents:

1.) What is Tata AIA – Smart Value Income Plan?
2.) What are the Features of Tata AIA – Smart Value Income Plan?
3.) Eligibility Criteria of Tata AIA Life Insurance Smart Value Income Plan
4.) Benefits under the Tata AIA – Smart Value Income Plan

  • Death Benefit
  • Surfival Benefit
  • Maturity Benefit

5.) Grace Period, Lapse, Paid-up & Revival of Tata AIA Life Insurance Smart Value Income Plan
6.) Free Look period of Tata AIA – Smart Value Income Plan
7.) Surrendering Tata AIA – Smart Value Income Plan
8.) Advantages of Tata AIA – Smart Value Income Plan
9.) Disadvantages of Tata AIA – Smart Value Income Plan
10.) Research Methodology
11.) IRR of Tata AIA Life Insurance Smart Value Income Plan
12.) Tata AIA Life Insurance Smart Value Income Vs Other Investment Products
13.) TAIA – Smart Value Income Plan vs. Term Insurance + ELSS
14.) Final Verdict on Tata AIA Smart Value Income Plan

What is Tata AIA – Smart Value Income Plan?

It is an individual, non-linked, participating life insurance savings plan. It gives you a life cover and the option of choosing and receiving a cash bonus (if declared) till you reach 100 years of age.

As a policyholder, you will be given two choices you can either opt to receive a cash bonus each year (if declared), or you can take care of your financial commitments or accumulate these cash bonuses (if declared).

The accumulated cash bonuses will be given at the company-declared interest rate, which will help create a bigger corpus to lead a stress-free life.

What are the Features of Tata AIA – Smart Value Income Plan?

  • Two Sum Assured options – Under Single Pay: Sum Assured-I & Sum Assured-II.
  • Sum Assured – I: Death Benefit Multiple of 10 times Single Premium.
  • Sum Assured – II: Death Benefit Multiple based on entry age.
  • Two Plan options – Plan option 1 & Plan option 2.
  • Plan Option 1: Choice of receiving cash bonus (if declared) as early as from the 1st month in your Sub-wallet.
  • Plan option 2: Accumulate cash bonus (if declared) till the end of the policy term and receive a hefty lump sum amount at maturity.
  • Multiple options to choose from as your Policy Term & Premium Payment Term.
  • Life Protect Feature – You can skip premium cover if you need to postpone premium payment due to loss of income and/or unemployment. The life cover continues even in such cases.

Eligibility Criteria of Tata AIA Life Insurance Smart Value Income Plan

Let us look at the eligibility criteria for this plan to better understand the working of this plan at a glance below;

Plan Parameters

Minimum 

Maximum

Age at Entry (years)

30 days

 

 

 

 

Payment Option – 

 Maximum Entry Age

Limited Pay 

65

Regular Pay 

65

Single Pay ‘Sum Assured-I’ 

45

Single Pay ‘Sum Assured-II’ 

65

Age at Maturity (years)

18

 

 

 

 

Payment Option  

Whole Life 

Other than Whole Life

Limited Pay 

100

85

Regular Pay 

NA

85

Single Pay ‘Sum Assured-I’ 

NA

65

Single Pay ‘Sum Assured-II’ 

NA

85

Policy Term (PT) (years)

Payment Option  

Whole Life 

Other than Whole Life

 

 

Minimum 

Maximum

Limited Pay 

100-Entry age

20

50

Regular Pay 

NA

10

30

Single Pay 

NA

10

50

Premium Payment Term (PPT) (years)

Payment Option  

Minimum 

Maximum

 

Limited Pay 

5

12

 

Regular Pay 

Same as policy years

 

Single Pay 

1

Minimum Premium 

 

Single/Limited/Regular Pay:  24,000 p.a.

 

Premium Payment Mode 

Single/ Annual/ Half-yearly/ Quarterly/ Monthly

 

Cash bonus pay-out frequency

Annual / Half-yearly / Quarterly / Monthly

 

Plan Option 

Option 1 – Cash Bonus & Option 2 – Accumulating Cash Bonus

 

Benefits under the Tata AIA – Smart Value Income Plan

Death Benefit:

On the death of the Life Insured for an in-force policy when all due premiums have been paid during the policy term, the Death Benefit will be: 

Sum Assured on Death plus Balance in Sub-wallet (in case of Option 1) or Accumulated Cash Bonus (in case of Option 2) plus Interim Bonus (if any) plus Terminal Bonus on Death (if declared).

Survival Benefit: 

Tata AIA may declare a Regular Bonus rate annually in advance starting from the first policy year, expressed as a % of Annualized/Single Premium. 

The policyholder would be eligible to receive Cash Bonus until his death or the end of his policy term, whichever is earlier.

Maturity Benefit:

At the end of the Policy Term, the Maturity Benefit will be: 

Sum Assured on Maturity plus Balance in Sub-wallet (in case of Option 1) or Accumulated Cash Bonus (in case of Option 2) plus Terminal Bonus on Maturity (if declared).

Grace Period, Lapse, Paid-up & Revival of Tata AIA Life Insurance Smart Value Income Plan

Grace period:

A grace period of 15 days is provided for policyholders under the monthly mode and 30 days for policyholders using other modes of payment.

Lapse:

On discontinuance of the payment of the premium during the first 2 policy years, it will lapse at the end of the grace period and no further benefits shall be paid to the policyholder.

Reduced Paid-Up:

On discontinuance of the payment of premium any time after the payment of the first 2 years’ premium, the policy will be made into a Reduced Paid-up at the end of the grace period.

All the benefits will be reduced proportionately.

Revival:

If a premium is in default beyond the Grace, it may be revived, within five years after the due date of the first unpaid premium and before the date of maturity by the policyholder.

Free Look period of Tata AIA – Smart Value Income Plan

If the policyholder is not satisfied with the terms & conditions of the Tata AIA Smart Value Income plan, then it can be returned/cancelled.

The policyholder will get a refund of the premium after the charges get deducted.

The free look period is 15 days if the policy is purchased directly. It will be extended up to 30 days in case it was purchased in distance mode. 

Surrendering Tata AIA – Smart Value Income Plan

A Single Pay policy will acquire surrender value immediately on payment of the Single Premium.

A Regular/Limited Pay policy shall acquire a surrender value provided at least after the first 2 full years’ Premiums have been paid.

The surrender Value shall be higher than the Guaranteed Surrender Value (GSV) and Special Surrender Value (SSV)

Advantages of Tata AIA – Smart Value Income Plan

  • Under the various premium payment options, you can choose a policy term of up to 100 years or else you can choose a limited period of 10 to 50 years.
  • The survival benefit will be paid out on survival of Life assured till the end of the policy term.
  • Flexibility is available to the policyholder to choose their Premium Payment Modes.
  • The policyholder has the option to receive the Cash bonus in hand or a Sub-Wallet.
  • Riders can be attached to the base policy at any time or on the policy anniversary during the policy term. 
  • Loan option is available with 80% of the surrender value.
  • The Premium Offset feature is available both in Regular or Limited Pay. 
  • If the cash bonus value is higher than the premiums to be paid, the excess amount will be paid out to the policyholder. I it is lower, then you will have to pay the remaining premiums.

Disadvantages of Tata AIA – Smart Value Income Plan

  • All the cash bonuses and terminal bonuses are non-guarantee benefits. So, these bonuses are not uniform all through the policy years.
  • The survival benefit (Cash Bonus) will not be sufficient to meet any big-ticket expenses.
  • The lock-in period is 2 years for loan & surrender.
  • The sum assured is too low. In case of death, the death benefit may not be sufficient to meet any future goals.

For further details, you can read the Tata AIA Life Insurance Smart Value Income Plan Brochure in detail

Research Methodology

So far, we have seen the features & the policy options of the Tata AIA Smart Value Income Plan.
To decide the suitability of this plan to your requirements, we need to know its cash flow in detail.
This will help us figure out the Internal Rate of Return (IRR) of Tata AIA – Smart Value Income Plan.
Let us probe this plan with the help of an illustration.

IRR of Tata AIA Life Insurance Smart Value Income Plan

Let us conduct a detailed analysis of the Internal Rate of Return (IRR) of the Tata AIA Life Insurance Smart Value Income Plan to provide us with better insight.
Below is an example assumption of two policyholders using both plan options 1 & 2 to figure out the end outcome and which is better.

Male

30 years

 

Male

30 years

Basic Sum Assured

12,50,000

 

Basic Sum Assured

12,50,000

Annualised Premium

1,00,000

 

Annualised Premium

1,00,000

Premium Paying term

8 years

 

Premium Paying term

8 years

Policy term

40 years

 

Policy term

40 years

Plan option

Option 1: Cash bonus

 

Plan option

Option 2: Accumulated Cash bonus

 

The above illustration showcases both the options that are available in this plan. All the metrics are the same except the cash bonus option.

 

 

Option1: Cash Bonus

 

 

At 4% p.a.

At 8% p.a.

Age

Year

Annualised premium / Maturity benefit

Death benefit

Annualised premium / Maturity benefit

Death benefit

30

1

-84,500

12,50,000

-69,000

12,50,000

31

2

-84,500

12,50,000

-69,000

12,50,000

32

3

-84,500

12,50,000

-69,000

12,50,000

33

4

-84,500

12,50,000

-69,000

12,50,000

34

5

-84,500

12,50,000

-69,000

12,50,000

35

6

-84,500

12,50,000

-69,000

12,50,000

36

7

-84,500

12,50,000

-69,000

12,50,000

37

8

-84,500

12,50,000

-69,000

12,50,000

38

9

15,500

12,50,000

31,000

12,50,000

39

10

15,500

12,50,000

31,000

12,50,000

40

11

15,500

12,50,000

31,000

12,50,000

41

12

15,500

12,50,000

31,000

12,50,000

42

13

15,500

12,50,000

31,000

12,50,000

43

14

15,500

12,50,000

31,000

12,50,000

44

15

15,500

12,50,000

31,000

12,50,000

45

16

15,500

12,50,000

31,000

12,50,000

46

17

15,500

12,50,000

31,000

12,50,000

47

18

15,500

12,50,000

31,000

12,50,000

48

19

15,500

12,50,000

31,000

12,50,000

49

20

15,500

12,50,000

31,000

12,50,000

50

21

15,500

12,50,000

31,000

12,50,000

51

22

15,500

12,50,000

31,000

12,50,000

52

23

15,500

12,50,000

31,000

12,50,000

53

24

15,500

12,50,000

31,000

12,50,000

54

25

15,500

12,50,000

31,000

12,50,000

55

26

15,500

12,50,000

31,000

12,50,000

56

27

15,500

12,50,000

31,000

12,50,000

57

28

15,500

12,50,000

31,000

12,50,000

58

29

15,500

12,50,000

31,000

12,50,000

59

30

15,500

12,50,000

31,000

12,50,000

60

31

15,500

12,50,000

31,000

12,50,000

61

32

15,500

12,50,000

31,000

12,50,000

62

33

15,500

12,50,000

31,000

12,50,000

63

34

15,500

12,50,000

31,000

12,50,000

64

35

15,500

12,50,000

31,000

12,50,000

65

36

15,500

12,50,000

31,000

12,50,000

66

37

15,500

12,50,000

31,000

12,50,000

67

38

15,500

12,50,000

31,000

12,50,000

68

39

15,500

12,50,000

31,000

12,50,000

69

40

15,500

12,50,000

31,000

12,50,000

70

41

12,88,000

12,50,000

20,12,000

12,50,000

           
 

IRR

3.23%

 

6.30%

 

 

 

Option 2: Accumulated Cash Bonus

 

 

At 4% p.a.

At 8% p.a.

Age

Year

Annualised premium / Maturity benefit

Death benefit

Annualised premium / Maturity benefit

Death benefit

30

1

-1,00,000

12,50,000

-1,00,000

12,50,000

31

2

-1,00,000

12,50,000

-1,00,000

12,50,000

32

3

-1,00,000

12,50,000

-1,00,000

12,50,000

33

4

-1,00,000

12,50,000

-1,00,000

12,50,000

34

5

-1,00,000

12,50,000

-1,00,000

12,50,000

35

6

-1,00,000

12,50,000

-1,00,000

12,50,000

36

7

-1,00,000

12,50,000

-1,00,000

12,50,000

37

8

-1,00,000

12,50,000

-1,00,000

12,50,000

38

9

0

12,50,000

0

12,50,000

39

10

0

12,50,000

0

12,50,000

40

11

0

12,50,000

0

12,50,000

41

12

0

12,50,000

0

12,50,000

42

13

0

12,50,000

0

12,50,000

43

14

0

12,50,000

0

12,50,000

44

15

0

12,50,000

0

12,50,000

45

16

0

12,50,000

0

12,50,000

46

17

0

12,50,000

0

12,50,000

47

18

0

12,50,000

0

12,50,000

48

19

0

12,50,000

0

12,50,000

49

20

0

12,50,000

0

12,50,000

50

21

0

12,50,000

0

12,50,000

51

22

0

12,50,000

0

12,50,000

52

23

0

12,50,000

0

12,50,000

53

24

0

12,50,000

0

12,50,000

54

25

0

12,50,000

0

12,50,000

55

26

0

12,50,000

0

12,50,000

56

27

0

12,50,000

0

12,50,000

57

28

0

12,50,000

0

12,50,000

58

29

0

12,50,000

0

12,50,000

59

30

0

12,50,000

0

12,50,000

60

31

0

12,50,000

0

12,50,000

61

32

0

12,50,000

0

12,50,000

62

33

0

12,50,000

0

12,50,000

63

34

0

12,50,000

0

12,50,000

64

35

0

12,50,000

0

12,50,000

65

36

0

12,50,000

0

12,50,000

66

37

0

12,50,000

0

12,50,000

67

38

0

12,50,000

0

12,50,000

68

39

0

12,50,000

0

12,50,000

69

40

0

12,50,000

0

12,50,000

70

41

25,10,478

12,50,000

96,09,599

12,50,000

           
 

IRR

3.18%

 

7.01%

 

The above tables denote the IRR based on its assumed investment return of 4% p.a. and 8% p.a respectively. Under both options, the IRR of this does not provide the policyholder withinflation-beatingg returns in the long term. 

The IRR ranges between 3% & 7%. This rate of return will not be sufficient to fulfil your family’s financial dreams. These returns are not favourable in the long term. Moreover, the Sum Assured guaranteed on the death of the policyholder is also very meagre compared to other policies in the market.

Tata AIA Life Insurance Smart Value Income Vs Other Investment Products

So, as an investor or as a policyholder we have to look at some other alternatives to get a better return on our investments.

Let us assume a similar cash flow as in the illustration of Option 2: Accumulated cash bonus.

The Annual premium of Rs. 1 lakh can be invested in a pure term life insurance policy & the balance amount can be utilised for accumulating the corpus for our financial life goals.

Let us look at how this strategy might fare by investing in other alternative investment options.

Tata AIA – Smart Value Income Plan vs. Term Insurance + ELSS

Let us assume Ram considers buying a Pure Term Insurance Policy and investing in ELSS with a similar cash outflow of Rs.1 lakh for the same period of 8 years as an investment.

The annual premium for Pure Term Insurance is Rs. 28,000

So, he allocates the remaining amount of Rs. 72,000 to invest in ELSS mutual fund.

The assumption for Comparison: 

Annual cash outflow: Rs. 1 lakh (28,000+72,000)

Sum assured: Rs. 12,50,000

Premium paying term: 8 years

The premium for pure term insurance (5 Years): Rs. 28,000

Balance amount invested in ELSS: Rs. 72,000

The annual premium amount of Rs. 28,000 for the pure term is paid in the first 5 years. The balance amount of Rs. 72,000 will be invested in the Mutual Fund ELSS fund.

As in the illustration for Tata AIA – The smart value Income plan has a premium paying term of 8 years, in the last 3 years the full amount of Rs. 1 lakh will be invested in the ELSS fund.

Option 2: Accumulated Cash Bonus

At 4% p.a.

At 8% p.a.

Term insurance + ELSS

AgeYearAnnualised premium / Maturity benefitDeath benefitAnnualised premium / Maturity benefitDeath benefitTerm Insurance premium + ELSSDeath benefit
301-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
312-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
323-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
334-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
345-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
356-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
367-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
378-1,00,00012,50,000-1,00,00012,50,000-1,00,00012,50,000
389012,50,000012,50,000012,50,000
3910012,50,000012,50,000012,50,000
4011012,50,000012,50,000012,50,000
4112012,50,000012,50,000012,50,000
4213012,50,000012,50,000012,50,000
4314012,50,000012,50,000012,50,000
4415012,50,000012,50,000012,50,000
4516012,50,000012,50,000012,50,000
4617012,50,000012,50,000012,50,000
4718012,50,000012,50,000012,50,000
4819012,50,000012,50,000012,50,000
4920012,50,000012,50,000012,50,000
5021012,50,000012,50,000012,50,000
5122012,50,000012,50,000012,50,000
5223012,50,000012,50,000012,50,000
5324012,50,000012,50,000012,50,000
5425012,50,000012,50,000012,50,000
5526012,50,000012,50,000012,50,000
5627012,50,000012,50,000012,50,000
5728012,50,000012,50,000012,50,000
5829012,50,000012,50,000012,50,000
5930012,50,000012,50,000012,50,000
6031012,50,000012,50,000012,50,000
6132012,50,000012,50,000012,50,000
6233012,50,000012,50,000012,50,000
6334012,50,000012,50,000012,50,000
6435012,50,000012,50,000012,50,000
6536012,50,000012,50,000012,50,000
6637012,50,000012,50,000012,50,000
6738012,50,000012,50,000012,50,000
6839012,50,000012,50,000012,50,000
6940012,50,000012,50,000012,50,000
704125,10,47812,50,00096,09,59912,50,0003,72,03,04712,50,000
IRR3.18%7.01%11.01%

The Term Insurance +ELSS combo will provide you with a corpus of Rs. 3.72 crores & an IRR of 11%. This corpus accumulated will help you achieve your life’s financial goals with ease. 

Even in the best-case scenario which is at the rate of 8%, Tata AIA – Smart Income plan will just leave you with Rs. 1 crore at the end of 40 years. 

The Pure Term Insurance + ELSS combo will yield you 3 times the Tata AIA corpus.

Final Verdict on Tata AIA Smart Value Income Plan

Tata AIA Smart Value Income Plan offers its investors with dual benefits of life insurance coverage along with a cash bonus.

But as per our analysis, the annual cash bonus that we get from the Tata AIA Life Insurance Smart Value Income Plan will not be sufficient enough to meet our family’s financial expenses. 

Since this cash bonus is not guaranteed, there could also be a shortfall as even the accumulated cash bonus option score below the average rate of return. 

Through our research, it is evident that Tata AIA – Smart Value Income Plan does not provide adequate life cover & also fails to help us achieve our financial goals.

Investing in a Pure Term Insurance policy with adequate life cover will help protect your family financially in case of your absence. And for investment purposes, it would be better to choose a financial plan that caters to your Financial Goals and Risk Appetite.


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Nitesh Agrawal
6. September, 2021.
I have been using Holistic Investment Planners from last one year. The journey has been fantastic. Being a finance person myself I always thought we can look after and plan own finances also. However, due to lack of time and deciplain the things are not always as desired. After joining with Holistic Investment for the first time Icame to know the Financial goals and quantified them. Some dreams were unrealistic based on the earnings and savings so had a reality check. Also got the information and deciplain of investing on regular and more rewarding securities. I definetly suggest to use Holistic Investment Planners. They are professionals, available and hear youor full story before presenting plans. They are flexile in the sense if there are some urgent deviations required, they help to plan the same. For all professionals/individuals I would suggest using professional help of Holistic Investment Planners for best results in long term investment and financial goals achivements. Last advise will be to start early in your life. It really pays well to start in the beginning itself else the dreams needs to adjust :)
Swetha Vasanth
Swetha Vasanth
6. September, 2021.
This is my first year service with the Holistic Team and I would say that they are very much helpful in creating a financial plan and follow ups during the year. I would definitely suggest them if anyone who is willing to proceed with their savings professionally.
Joseph Mathias
Joseph Mathias
6. September, 2021.
I came to know about Holistic Investment Planners online while searching for different investment ideas. Once I contacted them the journey was very smooth. Mr. Ramalingam explained all the aspects of Financial planning in detail and it opened my mind. I realized how important it is to have a Financial planning. Mr. Rajan suggested all the requirements as per my goals and made a Investment plan keeping in mind of my goals. I started my Investment journey with them. I wish I had done it some years back then it would have been in a different level. Review meetings were held every six month to check the implementation of the plan and check the results as per the requirements and to check if any changes required. Overall it was a good experience with Holistic Investment team and would like to continue in the years to come.
Srinvas Kannan
Srinvas Kannan
30. July, 2021.
I came across Holistic investment planners almost 5-6 years back, but I did not have the trust since I had met a few of them who did not sound promising. Then I started investing through a financial advisor of my friend. After 4 years of investing the returns were very low. I was disappointed and started looking for financial advisors when I came across Holistic investment. I had a detailed discussion about my goals and the way they would approach achieving my goal before deciding to switch my investments to them. After a thorough analysis of my then existing portfolios, they suggested new ones and we zeroed-in on 6 schemes/funds where our investment would be split. I am glad I made the decision of switching over and taking Holistic planner's advise, my returns are handsome and I only wish I could have taken their help/advise 5 years back itself. Neverthless, I would like to recommend their services for investment and financial advise if someone is serious about their investments.
Shivaram Andiappan Selvaraj
Shivaram Andiappan Selvaraj
3. July, 2021.
I got a free first time consultation. I got my doubts resolved. They also gave additional advises for investment planning which was also useful.
Nellai B
Nellai B
26. June, 2021.
I have been associated with them for the past three years. They are very professional and polite in answering all our questions. I have complete trust in their suggestions. I strongly recommend for anyone. I am looking forward to have strong and successful association with them.
Google rating score: 4.4 of 5,
based on 61 reviews

Google Reviews

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

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