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Personal Finance Blog

Financial Literacy Matters

Latest Articles

NPS Vs PPF

NPS vs PPF: Which Is the Better Investment Option for Your Retirement?

NPS vs PPF: the comparison that decides whether your retirement is something you look forward to – or something you worry about at 55.
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  • 36 minutes read
What is a Sinking Fund?

What is a Sinking Fund: A Simple Guide For Recurring Expenses

A simple, India-friendly guide to saving calmly for yearly bills without touching your emergency fund.
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  • 23 minutes read
Invest in US Stocks from India

Global Investing – How to Invest in US Stocks from India

Learn how to invest in US stocks from India, including investment options, platforms, LRS and TCS rules, taxes, costs, and important risks to consider.
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  • 26 minutes read
Financial Independence Retire Early

What is FIRE (Financial Independence Retire Early)?

Achieve your FIRE Number and Retire Early. A simple Financial Independence Retire Early (FIRE) guide for Indians.
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  • 20 minutes read

Choose A Topic To Dive Deeper:

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

All Insightful Articles

Double Taxation Avoidance Agreement

Double Taxation Avoidance Agreement (DTAA) Explained

Earning in two countries? India’s Double Taxation Avoidance Agreement (DTAA) means you don’t pay tax twice. Simple guide for NRIs in USA, UK etc.
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  • 27 minutes read
What is Gilt Mutual Fund

What is Gilt Mutual Fund and How Does it Work? Meaning, Risk and Returns

Learn what is gilt mutual fund, how gilt funds work, their risk and returns, and whether investing in gilt funds suits your long-term investment goals.
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  • 14 minutes read
Digital Gold vs Gold ETF vs EGR

Digital Gold vs Gold ETF vs EGR: Which Gold Investment Actually Works for You?

Find out which Gold Investment option is the right one for you: Digital Gold vs Gold ETF vs EGR. Difference between digital gold and gold
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  • 43 minutes read
New Income Tax Act 2025

New Income Tax Act 2025: What Really Changed for You from April 2026

No, your taxes didn’t go up. No, your 80C isn’t gone. Here’s what the New Income Tax Act 2025 actually changed – and what you
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  • 22 minutes read
PFIC Taxation for NRIs in USA

PFIC Taxation for NRIs in USA: The Complete Guide

You moved to the USA with Indian mutual funds. The IRS calls them PFICs – and the tax is shocking. Learn about PFIC Taxation for
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  • 31 minutes read
What is Gift City Investment

What is Gift City Investment | A Must-Know for NRIs And Foreign Investors

What is GIFT City investment explained- Who it’s for, tax savings for UAE/UK/US NRIs, and how to start investing from as little as ₹42,000.
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  • 28 minutes read
How to Invest in REITs in India

How to Invest in REITs in India: A Comprehensive Guide

Learn how to invest in REITs in India: step-by-step process for REIT, tax implications , SEBI 2026 changes, and portfolio strategy for rental income.
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  • 19 minutes read
Financial Tasks After Death Checklist

Financial Tasks After Death Checklist- When a Loved One Dies

Financial tasks after death checklist: A step-by-step guide to managing bank accounts, insurance claims, taxes, & assets after a loved one dies. Stay organized.
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  • 18 minutes read
Life Cycle Fund in India

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

Discover how a Life Cycle Fund in India works, its glide path strategy, benefits, risks, and comparison with NPS. And, if suites your retirement goal.
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  • 5 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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