SEBI Registered Investment Advisor | RIA No.-INA000017222

Linkedin-in Youtube X-twitter Facebook Instagram Whatsapp Phone-volume

Personal Finance Blog

Financial Literacy Matters

Latest Articles

Life Cycle Fund in India

Life Cycle Fund in India: Smart Retirement Planning with Automatic Asset Allocation

Retirement planning sounds simple when you’re 30.You tell yourself, “I have time.” But time moves quickly. One day you start your SIP, and the next

Read More
  • 5 minutes read
How to Avoid Capital Gains Tax on Property in India

How to Avoid Capital Gains Tax on Property in India

Learn how to avoid Capital Gains Tax on property in India legally through smart reinvestments, exemptions, and expert-approved tax planning strategies.
Read More
  • 15 minutes read
How to Create Multiple Streams of Income

How to Create Multiple Streams of Income Through Smart Financial Planning in 2026

Discover how to create multiple streams of income in 2026 via smart financial planning, passive income ideas and expert fee-only advisor insights.
Read More
  • 12 minutes read
How to Calculate Rental Yield

How to Calculate Rental Yield: Complete Guide for Property Investors

How to Calculate Rental Yield with simple formulas, real examples, and insights on gross vs net yield to evaluate rental returns and property investment decisions
Read More
  • 14 minutes read

Choose A Topic To Dive Deeper:

Financial Planning
Insurance Planning
Mutual Funds
Investment Planning
Loan Management
Tax Planning

All Insightful Articles

Budget 2026 Highlights

Budget 2026 Highlights On Personal Finance

Read More
  • 2 minutes read
Understanding Insurance Policies

Understanding Insurance Policies: Definition and Different Types of Insurance

Understanding insurance policies helps you protect your family, health, home, and income. Explore types, and tips for smarter insurance planning.
Read More
  • 15 minutes read
Money Management Formula

Money Management Formula: Step-by-Step Guide for Budgeting

Budgeting is a critical exercise in the wealth creation journey. Get your finances sorted with a money management formula.
Read More
  • 11 minutes read
How To Plan Personal Finance

Financial Plan: How To Plan Personal Finance Better in 2026?

A Financial Plan can help to achieve your financial goals with the right investment. Let’s learn how to plan personal finance better in 2026.
Read More
  • 10 minutes read
Direct Vs Regular Mutual Fund

Understanding Direct vs Regular Mutual Fund – Which is Better?

Direct vs Regular Mutual Fund explained simply. Understand costs, NAV, returns, commissions, and how to choose the right plan for long-term investing.
Read More
  • 10 minutes read
How to Save for a Child's College

How to Save for a Child’s College? 8 Ways to Save for Your Child Education

Learn how to save for a child’s college with smart financial planning, goal-based investing, and tax-efficient strategies for your child’s future.
Read More
  • 11 minutes read
How to Improve your Credit Score

How to Improve Your Credit Score – 7 ways to Improve Your CIBIL Score

Learn how to improve your credit score with 7 proven strategies. Build financial discipline, boost your CIBIL score, and unlock better loan opportunities.
Read More
  • 10 minutes read
Gratuity New Rules 2025

Gratuity New Rules 2025: Why Gratuity Rules Change is a Game-Changer for Employees

Confused about gratuity new rules changes in 2025? This simple guide explains the old vs new gratuity rules, eligibility updates, calculation method, and how these
Read More
  • 6 minutes read
How to Save Tax on Rental Income in India

8 Ways: How to Save Tax on Rental Income in India – Maximize Tax Savings

Learn how to save tax on rental income in India with smart strategies, legal deductions, and expert tips to maximize your rental earnings and reduce
Read More
  • 11 minutes read

About Author

Salma Sony

"My focus is on my client, not on selling financial products."

Hello, I'm Salma!

I’m a SEBI Registered Investment Adviser (RIA No.:INA000017222) & Certified Financial PlannerCM (FPSB No.: 60832) with 15 years of experience in the financial industry, aiming to improve India’s financial literacy and enable people to learn about financial planning in the most simplified way.

I started creating content on my YouTube channel to build financial awareness and later began writing articles. So far, I have published 100+ articles on personal finance.

My intention in writing articles was to simplify complex money matters step by step so that readers, when needed, can take time to absorb the concepts and take charge of their financial journey confidently. My articles aim to simplify money matters and offer readers practical insights on budgeting, investments, debt management, and financial planning – all backed by my professional expertise and real-world experience.

  • My Mission: To impact individuals and families by helping them grow their net worth and live the lifestyle they desire by achieving all their financial goals using financial planning.
  • My Vision: To advise individuals and families to achieve financial wellness and peace of mind.
  • By Profession: I offer 360° structured fee-only financial planning and advisory services. I work jointly with individuals like you, helping simplify your personal finances with goal-based planning; this results in more savings, better investing, and a debt-free life for your secured financial future.

Have Questions About Your Finances?

I can personally guide you. Click below to start the conversation.

Book Free Discovery Call
Ask Salma A Question

Setting goals is the first step in turning the invisible into the visible.

-Tony Robbins
Book Free Discovery Call