Meghna Dangi
Behavioral Finance-Informed Wealth Advisor
Dr. Meghna Dangi is a Chartered Accountant, Cost Accountant, and holds a PhD in Behavioral Finance. With over two decades of experience spanning academia and the corporate world, she brings a powerful blend of financial expertise and human insight to her work. Dr. Dangi has taught and mentored thousands in the areas of Financial Markets, Behavioral Finance, and Personal Finance, known for making complex financial concepts relatable and practical. A prolific researcher and a certified AIMA Bizlab Trainer, she has conducted impactful workshops. Now working in the wealth advisory field, she continues to guide individuals and organizations toward more informed, rational financial decisions. Her work bridges the gap between academic theory and real-world investing, making her a trusted voice in finance
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How Behavioral Biases Shape Financial Decisions
Investing isn’t just about numbers and strategies—it’s also about human psychology. Behavioral finance explores how emotions, biases, and cognitive errors influence financial decision-making. As legendary investor Benjamin Graham put it,
"The investor’s chief problem—and even his worst enemy—is likely to be himself."
Fear, Greed, and Market Behavior
The financial markets are often driven by two powerful emotions: fear and greed. During market booms, investors tend to follow the crowd, ignoring warning signs and overpaying for assets. Conversely, during downturns, panic selling leads to losses that could have been avoided. Peter Lynch captures this reality well:
"Fear and greed are stronger than long-term resolve."
Warren Buffett advises against emotional investing, famously saying:
"Be fearful when others are greedy, and greedy when others are fearful."
This highlights the importance of contrarian thinking—going against the herd when the market swings to extremes.
Herd Mentality & Irrational Decisions
Investors often assume that if many people are buying a stock, it must be a good investment. However, Sir John Templeton warns:
"The four most dangerous words in investing are: ‘This time it’s different."
Market bubbles and crashes are often fueled by the illusion that past rules no longer apply. The dot-com bubble, the 2008 financial crisis, and more recent meme stock frenzies all illustrate how following the herd can lead to financial disaster.
Overcoming Bias & Making Rational Decisions
The key to successful investing is discipline. As Robert Arnott points out:
"In investing, what is comfortable is rarely profitable."
Warren Buffett echoes this sentiment, reminding us:
"We don’t have to be smarter than the rest. We have to be more disciplined than the rest."
Long-term success in investing comes from sticking to fundamentals, resisting emotional impulses, and maintaining a rational approach to risk.
Final Thoughts
Understanding behavioral finance helps investors make better decisions by recognizing and controlling their psychological biases. As Morgan Housel wisely notes:
"The biggest risk is not volatility, but being out of the market when it moves higher."
By staying informed, disciplined, and self-aware, investors can navigate the market with greater confidence—turning psychology from a weakness into a strength.
Dr. Meghna Dangi , CA, ICWA
Dr. Meghna Dangi has over twenty eight years of experience out of which twenty one years have been in academics. She is an avid researcher and authority in the field of Behavioral Finance.
She was a Professor in the School of Business and also held the post of Director, Marketing and admissions as well as Director Alumni Relations at Auro University, Surat. She also had the privilege of mentoring all PhD students as Head of the University Phd Cell. Before joining Auro University she had been working as Campus Head, IIPS. She has also worked for ICFAI National College, initially joining as Senior faculty and then as Campus Head, taking care of entire operations of the center- including academics, placements and admissions. She has also worked for four years at Seventh Day Adventist College, teaching various subjects in management.
Her domain areas of teaching included Financial Accounting, Financial Management, Securities Analysis and Portfolio Management.She has been an active participant at various national and regional level conferences and presented several papers in the field of Finance. She has been associated with various MBA colleges of Surat including National Group and Nalanda School of Management as visiting faculty.
Dr. Meghna Dangi has been an active and regular participant in various activities and events organized by the local chapters of Chartered Accountants and Cost accountants as Resource person and conducted activities leading to CPE hours for her professional colleagues. She has also guided two research scholars for award of their Doctorates in the field of Management.
She has a varied and rich corporate experience as Legal and Accounts Advisor to a leading Public Limited Yarn manufacturing company. She handled all matters pertaining to statutory and regulatory authorities and was actively handling day-to-day financial planning, including liaisioning with banks and other Financial Institutions.
Her rich and in-depth knowledge of working in corporates along with her academic learning and experience has given her a unique perspective in the area of Financial management.
Services
What I do
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01.
Accounting Services
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