6 Investment Resolutions to Make in 2026 and Beyond

As a new year approaches, it’s common for many people to make resolutions to improve their habits. Part of this habit can include investment resolutions, which focus on building wealth and protecting your savings. A set of resolutions at the beginning of the year gives you a plan to direct your financial decisions and take advantage of opportunities. It also helps you to stay disciplined, so you don’t fall for common mistakes in investing. Moreover, thoughtful resolutions help you prepare for unexpected events, from emergencies to economic changes, so your savings and investments remain protected.

In this article, we highlight practical investment resolutions for 2026 and beyond that Filipino investors can consider. 

1. Diversify Your Portfolio

Investment diversification remains one of the most effective ways to protect your wealth. It involves spreading your investments across different asset classes to reduce risk and create a more balanced portfolio. In the Philippines, investors can diversify through local stocks, UITFs, and mutual funds. These allow participation in the stock market while benefiting from professional management. If you want to add stability to your portfolio, time deposits are a great option because they offer guaranteed returns over a fixed period and remain insulated from market fluctuations. This ensures that a portion of your savings grows steadily, even when other investments experience volatility. Real estate or REITs can contribute to long-term growth and passive income. When you combine these investment types, it ensures that volatility in one area does not overly affect your overall financial position, giving your portfolio both resilience and potential for growth.

2. Revisit Your Risk Tolerance

Your comfort with risk can change depending on your life stage, financial goals, and even your income. Freelancers, for example, may experience irregular earnings, but this isn’t a barrier to starting to invest. It’s all about evaluating your risk tolerance and ensuring your investments align with both your ambitions and your comfort level. 

High-risk assets, such as stocks or mutual funds, offer the potential for higher returns but can fluctuate significantly, whereas low-risk options like time deposits or dollar accounts provide stability and predictable growth. In addition, considering currency fluctuations in the Philippines, maintaining a portion of your portfolio in dollars can help shield your wealth against peso depreciation. Regularly reviewing your risk tolerance allows you to adjust your investments according to your evolving needs, which ensures your portfolio remains secure while still taking advantage of growth opportunities.

3. Set Up Automated Investment Contributions

Consistency is also crucial in building wealth, and automation helps achieve this. Consider setting up recurring contributions to your savings accounts or mutual funds to ensure that you invest regularly without relying on willpower alone. Automation reduces the temptation to spend surplus cash and keeps your portfolio growing steadily over time. It also allows you to take advantage of compounding, where your returns generate their own returns. When contributions happen automatically, you maintain discipline and avoid missing out on opportunities that can accelerate your financial growth.

4. Check and Adjust Your Portfolio Regularly

Investment portfolios require periodic review and rebalancing to stay aligned with your goals, because over time, some investments may outperform others and unintentionally shift your allocation and risk profile. For example, rolling over matured time deposits at higher interest rates allows you to maximize returns, while adjusting your peso versus dollar holdings can protect your portfolio from currency swings. Additionally, rebalancing gives you an opportunity to reassess underperforming assets, explore new investment opportunities, and ensure your strategy continues to match your priorities. To promote this practice, review your portfolio at least once or twice a year. It can help keep your investments efficient and effective, supporting your immediate needs and long-term financial objectives.

5. Keep a Cash and Dollar Cushion

Liquidity plays a crucial role in ensuring financial security. An emergency fund in pesos covers unexpected expenses, such as medical bills or sudden job changes. At the same time, consider a dollar account to provide additional protection against peso depreciation. Access to both peso and dollar funds allows you to address emergencies while keeping your long-term investments intact. It also provides flexibility for travel or overseas expenses, giving you confidence to make strategic financial moves while protecting your portfolio from volatility.

6. Avoid Making Investment Decisions Based on Emotions

Market volatility can tempt investors to make impulsive decisions, which often harm long-term growth. Time deposits and dollar accounts act as stabilizing elements in your portfolio during uncertain periods, helping you stay grounded. It’s also a good idea to stick to your investment plan and avoid the urge to chase short-term trends or “hot” stocks to prevent unnecessary losses. Additionally, consult a trusted financial advisor before making major moves. It can help ensure your choices are based on strategy rather than emotion. Moreover, developing patience and discipline reinforces the foundation of a resilient investment strategy and positions your portfolio for sustainable growth over the years.

Take Action on Your Investment Resolutions Today

When you start 2026 with clear investment resolutions, it sets the foundation for consistent growth and financial stability. Whether it’s opening a time deposit or automating your investments, having the right tools and guidance can make a significant difference. EastWest offers a range of investment products, including flexible time deposits, dollar accounts, and other financial solutions that can help you achieve your goals with ease and confidence. Make EastWest your partner in executing your investment resolutions and take the first step toward building a more secure and resilient financial future.