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

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.
Read More
  • 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
Read More
  • 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
Read More
  • 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
Read More
  • 31 minutes read

Choose A Topic To Dive Deeper:

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

All Insightful Articles

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.
Read More
  • 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.
Read More
  • 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.
Read More
  • 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.
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
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

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