SEBI Registered Investment Advisor | RIA No.-INA000017222

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Personal Finance Blog

Financial Literacy Matters

Latest Articles

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

Choose A Topic To Dive Deeper:

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

All Insightful 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
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
How to Attain Financial Freedom

How To Attain Financial Freedom | 11 Steps To Achieve Financial Freedom

Learn how to attain financial freedom with 11 proven steps. Set financial goals, budget wisely, eliminate debt, and achieve financial freedom.
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  • 8 minutes read
Mutual Fund Performance Trailing Returns Vs Rolling Returns

Mutual Fund Performance: Rolling Returns Vs Trailing Returns

Learn how to check the performance of a mutual fund using rolling returns vs trailing returns
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  • 8 minutes read
Key Highlights Budget- 2025

Budget 2025 Income Tax Rate Changed – 7 Highlights Impacting Personal Finance

Budget 2025 Income Tax Rate Changed – Good News! No Income Tax payable up to Rs 12 Lakh under the new regime.
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  • 1 minutes read
Debt Management Strategies

Smart Debt Management Strategies to Regain Control of Your Finances

Discover 7 effective debt management strategies to prioritize in 2025. Learn how to budget, debt consolidation and achieve financial stability with expert.
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  • 7 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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-Tony Robbins
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