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

9 Strategies: How to Close Home Loan Early | Repay Home Loan Faster

Learn 9 ways to repay your home loan faster and strategies on how to close home loan early.
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  • 7 minutes read
Latest Interest Rate on Small Saving Scheme

Latest Interest Rate on Small Saving Schemes: April-June 2024

Latest Interest Rate On Small Saving Scheme applicable during the April-June 2024 quarter is announced.
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  • 20 minutes read
Tax Harvesting Mutual Funds

Maximize Your Tax Savings with Tax Harvesting Mutual Funds: A Complete Guide

Tax Harvesting is a powerful strategy for maximizing capital gain taxes. Learn the secrets of tax harvesting mutual funds (short & long term capital gains).
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  • 6 minutes read
Best Retirement Investment Options

Exploring The Best Retirement Investment Options in India

Understand the best retirement investment options so you can plan for retirement without running short of funds.
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  • 9 minutes read
How Do You Become Wealthy

How Do You Become Wealthy? Ways To Become A Millionaire / Get Rich

How do you become wealthy depends upon the path you choose. Learn how to build wealth and become a millionaire for your financial security.
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  • 8 minutes read
NPS new rule

NPS New Rule For Partial Withdrawal Effective 1st February 2024

Learn about the new NPS new rule for partial withdrawal, how it works, its limits, and if it is wise to opt for a partial
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  • 5 minutes read
How to Choose SIP Amount

Stop Random Investment: Learn How to Choose SIP Amount to Achieve Your Financial Goal

Planning before your investment is key to successful investing, even with a Mutual Fund investment. Learn how to choose SIP plan and amount.
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  • 10 minutes read
Budget 2024 Highlights

Interim Budget 2024 Highlights – Latest Income Tax Slab FY 2024-25

Let’s look at the budget 2024 highlights and the latest income tax slab for FY 2024-25.
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  • 1 minutes read
Objective of Investment

Learn Your Objective of Investment- For Better Investment Planning

Learn the objective of investment and the type of investment to make your investment journey wonderful.
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  • 10 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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Setting goals is the first step in turning the invisible into the visible.

-Tony Robbins
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