“Observe a typical 65% fairness, 25% debt, and 10% treasured metals technique,” says Rich. in cofounder Aditya Agarwal. He advises traders to stagger their fairness investments over the following 12 months.
As traders head into 2026, the influence of US tariffs and the rupee’s sharp depreciation, in addition to sluggish company earnings progress, are among the worries on the basic aspect. There are additionally issues a few lengthy IPO pipeline that might suck out liquidity from the secondary market and dampen returns.
Wealth managers are advising traders to keep away from recency bias and to not get carried away by allocating extra to asset lessons chasing latest efficiency.
In calendar 2025, silver has been one of many best-performing asset lessons, yielding returns of 128%, adopted by gold at 72%. Compared, the Nifty 50 returned 10.32%, whereas the Nifty Midcap 150 gained 3.64% and the Nifty Smallcap 250 misplaced 9.17%.
“The gold/silver ratio signifies that the rally in treasured metals will high out someday in 2026. Traders may maintain 5-10% treasured metals of their portfolio, purely to diversify and from a long-term perspective,” says Equirus Wealth chief funding officer Chanchal Agrawal. Traders with excessive allocation to treasured metals may take some cash off the desk, advises Agrawal.
Fund managers imagine 2026 goes to be a tough yr to earn returns from equities. Traders should strive exhausting to generate returns that beat market benchmarks.“One should be careful for days the place there are sharp dips and deploy capital at such occasions,” says Agarwal.
In line with a examine by Kotak Mutual Fund, present fairness valuations are above long-term averages—this implies traders should be cautious whereas allocating new cash. The Nifty50 presently trades at a price-earnings ratio of 21.5 in contrast with its 10-year common of 20.8, whereas the Nifty Midcap 100 trades at 25.1 in contrast with its 10-year common of 23.1. For the Nifty Smallcap 100, the PE ratio of 29.2 is considerably larger than the 10-year common of 16.7.
“Valuations of huge caps are affordable, and traders ought to have a large-cap bias with a low allocation to midand small-cap funds,” says Vineet Nanda, founding father of SIFT Capital. Nanda advises traders to decrease their return expectations given the decrease inflation. He expects a 12% return from equities over the following two to 3 years.
Traders must also not ignore mounted revenue, since the actual charge of return is excessive on account of low inflation. For tax effectivity, wealthy traders may go for an income-plus-arbitrage fund of funds scheme, the place they’ll pay a 12.5% tax solely after holding for greater than two years. These in low tax brackets may think about Authorities of India Financial savings Bonds or company mounted deposits.
