SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest 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

Choose A Topic To Dive Deeper:

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

All Insightful Articles

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
How to double Your Money

How to Double Your Money?

Learn how to double your money with smart financial planning, goal-based investment, and time-tested strategies.
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  • 9 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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