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

ITR For Capital Gains

Steps To File ITR For Capital Gains (ITR-2 & ITR-3) FY 2023-24

Steps to file ITR 2 & 3 capital gain tax for mutual funds and stocks with screenshots (ITR for Capital Gains ITR-2 & ITR-3).
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  • 8 minutes read
ITR-1-vs-ITR-2

ITR 1 vs ITR 2 Form: Tax Return Filing Guide for Salaried Individual

Understand quickly how to choose the ITR form, ITR 1 vs ITR 2, which is the correct form for your income tax return filing.
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  • 8 minutes read
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

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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