SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest Articles

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.
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  • 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.
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  • 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
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  • 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
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  • 11 minutes read

Choose A Topic To Dive Deeper:

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

All Insightful Articles

How to Plan for a Wedding Budget

How to Plan for a Wedding Budget: A Complete Guide for Wedding Budget Breakdown

Learn How to Plan for a Wedding Budget with smart strategies, goal-based investing, and insights to enjoy your big day without financial stress of wedding
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  • 12 minutes read
How to Save Money on Groceries

How to Save Money on Groceries – 5 Ways to Save Money on Grocery Shopping

Learn how to save money on groceries with smart meal planning, budgeting, and mindful shopping habits- spend less without compromising quality.
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  • 11 minutes read
NPS New Rules 2025

NPS New Rules 2025: Pension System, Withdrawal Changes from October 1

National Pension System changes from October 1! Understand new withdrawal rules, equity options, and exit rules and how it impacts your retirement plan.
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  • 10 minutes read
Should I Invest in Gold

Should I Invest in Gold: A Comprehensive Guide for Gold Investment 2025

Wondering should I invest in gold in 2025? Understand returns, risks, taxation, and smart allocation before adding gold to your investment portfolio.
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  • 12 minutes read
Should I Invest in Silver in India

Should I Invest in Silver in India: Investment Guide for 2025

If you are wondering should I invest in Silver in India, learn with detailed analysis, including the rise in silver prices and industrial demand.
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  • 11 minutes read
How to Choose a Financial Advisor in India

How to Choose a Financial Advisor in India?

Learn how to choose a financial advisor in India. Discover key factors, credentials, and tips to secure the right expert for your financial goals.
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  • 8 minutes read
How to Avoid Clubbing of Income of Husband and Wife

How to Avoid Clubbing of Income of Husband and Wife – Clubbing of Income Under Section 64

Understand how to avoid clubbing of income of husband and wife using expert tips, Income Tax Act provisions, and compliant financial planning.
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  • 15 minutes read
Specialized Investment Fund India

Specialized Investment Fund India – A Complete Guide

SIF: Specialized Investment Fund India explained: New SEBI investment option with flexible investment strategies, ₹10 lakh minimum. SIF vs MF vs PMS comparison.
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  • 11 minutes read
How to Invest in ETF

How to Invest in ETF (Exchange Traded Funds) in India

New to ETFs? Learn how to invest in ETF in India, step-by-step. Discover types, investment benefits, risks & strategies to build a smart portfolio.
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  • 12 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.

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

-Tony Robbins
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