As we move into the New Year, investors will be making their yearly resolutions on wealth creation and therefore they seek targets for year end and look for current investment narratives.

Where will the Sensex be by December? Which sectors will outperform? What will happen to interest rates? These are most important questions, they seek answers.

So instead of predictions, here are a few observations about your Portfolio as it stands.

What you should not do this year?

Insurance mis-selling, sadly, remains stubborn. The gap between what families need and what they are sold is still wide. ULIPs that primarily enrich distributors. Don’t fall for the familiar trick of paying too much for too little protection.

Instead buy a Simple Term Insurance.

Map your financial needs on a timeline. And avoid speculation dressed up as investment ( Futures & Options, Intraday, Crypto’s and other fancy Products ) Regulators have released hard numbers showing that the vast majority of individual traders lose money in futures and options, yet the attraction persists. The gambling instinct is powerful. Be Aware.

What you should do this year?

1. Mutual funds continue to become a mainstream savings vehicle. SIPs are now embedded in middle-class financial behaviour in a way that would have sounded fanciful twenty years ago. Increase your SIP’s
contribution.

2. Follow asset allocation to build a resilient portfolio that withstands market volatility. By diversifying across equities ( 60% ), debt ( 20% ) gold & silver ( 20% ) and alternatives based on risk tolerance and goals,
investors reduce overall risk while optimizing returns

3. Review your portfolio quarterly to ensure it mirrors your target asset allocation amid market drifts. Misalignments occur when equities surge or bonds lag and rebalance by selling outperformers and buying
underperformers to restore the original mix.

This advice is boring precisely because it works. It doesn’t depend on election outcomes, geopolitics, or strategists’ targets. The investor who followed it steadily through 2015, 2020 and 2022 is almost certainly better off today than the one who tried to time markets or chase whichever sector was fashionable that year.

As 2026 unfolds, ignore the noise—stick to process-driven investing. Review portfolios, realign with asset allocation, and rebalance ruthlessly for resilience. Markets reward discipline over prediction