“I was completely new to the world of investments, especially accessing the stock markets. I was keen to know more and how to invest my passive savings. I am glad to have met Santosh from Germinate and begin investing for myself and my family. From investing to save on taxes to being a long-term investor, with monthly discipline to invest. I enjoy my journey of knowing, learning and investing, it’s like learning a new life skill for me. I would recommend someone who is curious like me, to consider meeting Santosh before they venture on their own.”