SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest Articles

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

Choose A Topic To Dive Deeper:

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

All Insightful Articles

SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI on Personal Finance for Investors Education

SaaRthi App by SEBI (Securities and Exchange Board of India) for Personal Finance allows investors to simplify complex financial concepts.
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  • 2 minutes read
Health Insurance New Rules

11 Health Insurance New Rules by IRDAI in 2024: Must Know!

Stay updated with 11 Health Insurance New Rules by IRDAI in 2024. Master circular on health insurance published.
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  • 4 minutes read
Online KYC For Mutual Fund

Update Online KYC For Mutual Fund Existing Investors

Learn how to hassle-free update Online KYC for mutual fund, just in 10 minutes.
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  • 8 minutes read
Transmission of Mutual Fund Units

Process For Transmission of Mutual Fund Units Upon Unitholder’s Death

Learn the process for transmission of mutual fund units so that you can claim as a nominee or legal heir in case of the death
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  • 7 minutes read
how to reduce loan burden

How to Reduce Loan Burden: 5 Step-by-Step Smart Ways to Reduce or Repay Home Loan / Personal Loan

Learn how to reduce loan burden smart way. Be it home loan,personal loan, high interest burden, faster repay can help you manage your debt better
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  • 7 minutes read
What is a Critical Illness Policy

What is a Critical Illness Policy: Should I Buy Critical Illness Insurance Cover?

Learn about what is a critical illness policy and how a critical illness insurance plan can help you safeguard against serious illness and hard-earned money.
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  • 5 minutes read
How Much Health Insurance Do I Need

How Much Health Insurance Do I Need?- 2 Major Reasons to Buy

Health insurance coverage guide on how much health insurance do I need, given the increasing medical costs in India.
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  • 7 minutes read
Emergency fund: where to invest

Emergency Fund Where to Invest and Why Build an Emergency Fund?

Learn about an emergency fund where to invest, and why to have it. Step-by-step guide on building an emergency fund.
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  • 6 minutes read
Unclaimed Mutual Funds In India

Unclaimed Mutual Funds (Dividend & Redemption): Overview And Recovery Process

Steps to check your unclaimed mutual funds (dividend and redemption) and recovery process.
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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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