Pune – People often prefer immediate rewards over larger benefits in the future, a tendency known as present bias. Even when aware of long-term gains, they may prioritise short-term needs over future goals. This behavioural tendency can lead investors to postpone financial decisions, waiting for what they consider the ‘perfect’ time to invest.

In the process, they risk missing time in the market—time that could have helped their money potentially grow steadily.

Understanding how present bias influences decisions may help investors reflect on their financial habits and take more balanced steps towards their goals.

What is present bias?

Present bias is when an individual is more focused on present rewards rather than potential future outcomes. In investing, present bias means that inves

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