MeghnaDangi

The Government of India recently announced the Next-Gen GST Reform, described as a historic Diwali gift for the nation. Among the many revisions to tax rates, one change stands out for its implications in the sphere of financial planning: the complete removal of GST on life and health insurance premiums, bringing the tax down from […]

For decades, classical finance assumed that investors are rational agents, consistently making decisions that maximize utility. As stated by Eugene Fama, the Efficient Market Hypothesis rested on the belief that markets incorporate all available information and that individuals act logically in pursuit of wealth maximization. Yet, the reality of financial markets repeatedly contradicts these assumptions.

Every year, the Jain festival of Paryushan concludes with the day of Samvatsari, when Jains seek and grant forgiveness through the phrase: “Micchhami Dukkadam” — “May the misdeeds I have committed be rendered fruitless.” It is a powerful practice of humility, accountability, and renewal. We carry regrets, grudges, and unspoken words that weigh us down

In today’s fast-moving markets, knowledge is more than power — it’s survival. As Benjamin Franklin famously noted, “An investment in knowledge pays the best interest”. In other words, reading is an investment that compounds over time. Harry S. Truman put it bluntly: “Not all readers are leaders, but all leaders are readers”. These wise words

In the last few years, Indian capital markets have witnessed an IPO boom — from tech unicorns to fintech disruptors, companies have attracted retail investors in droves. While listing-day excitement and social media chatter often dominate attention, what’s less discussed is the behavioral trap behind many of these investment decisions: mental accounting bias. This cognitive

In the landscape of personal finance, the gap between intention and action is often wide. While most individuals aspire to save more, invest wisely, and achieve long-term financial independence, behavioral biases frequently derail these well-meaning intentions. Emotions such as fear, overconfidence, and impulsivity create decision-making errors that traditional economic models fail to account for. Fortunately,

Imagine a person who firmly believes that a particular diet is the healthiest way to live. When searching online, they click only on articles that support their view, ignoring medical studies or expert advice suggesting otherwise. Over time, their belief becomes more deeply entrenched—not because it is correct, but because they have surrounded themselves with

In a world where investment platforms offer real-time access to the markets and social media amplifies every financial success story, it’s no surprise that the gap between rational investing and emotional behavior continues to widen. Traditionally, investment theory presumes that investors make decisions based on logic, facts, and expected returns. However, behavioral finance offers a

The architecture of a sound financial plan must be rooted not only in mathematical precision but also in the psychological realities of human decision-making. While traditional finance has long extolled the virtues of risk-return optimization and diversification, the lived experience of investors reveals a different truth — that emotions, fears, mental frameworks, and cognitive heuristics

Every few weeks, a headline flashes that shakes investor confidence: “Markets plunge 800 points on global cues,” “Oil prices surge amid conflict,” or “RBI keeps repo rate unchanged, markets unimpressed.” In such moments, it’s natural to feel anxious. But as a behavioral finance expert and wealth advisor, let me tell you this: markets may move