Ning Tang

Ning Tang Photo

Ning Tang

Associate Professor of Finance, Fowler College of Business
San Diego State University

Ning Tang is an associate professor of finance at the Fowler College of Business of San Diego State University, where she teaches personal financial planning and investments. Her research focuses on household finance, financial literacy and education, retirement decisions and pension plan design.

Tang’s studies have examined the efficiency of 401(k) plans and target-date funds, behavioral bias in individual retirement decisions, and determinants of financial advice use. She also incorporates insights from psychology, behavioral economics, and financial education in her work on financial literacy. She earned her B.S. in actuarial science from the University of Hong Kong and Ph.D. in applied economics from the Wharton School of the University of Pennsylvania.

Professional Achievements

  • Received Certified Financial Planner Board 2017 TD Ameritrade Institutional Best Paper Award in Behavioral Finance (with Timothy Lu).
  • Published research in finance, economics, consumer and behavioral economics journals such as Journal of Public Economics.
  • Associate editor of Financial Services Review.


August 2022
Significant improvement in women’s financial and social status in recent decades has been accompanied by favorable increases in their confidence in many aspects of life—ranging from developing career paths to playing an active role in household decision making.
August 2019
Can financial advice serve as an effective substitute for financial literacy? It all depends on the investor.