Best investment strategy for 2026? Looking for advice

Hi everyone,

I’m 26 and relatively new to investing, trying to figure out the best way to optimise my savings and returns going into 2026.

Here’s my current situation:

• ₹40K/month in a recurring deposit
• ₹20K/month in mutual funds (including silver + a few others)
• Annual income: ₹30L (based in one of the metro cities)

I feel like I could be doing better in terms of allocation and long-term growth, but I’m not sure how to rebalance or what to prioritise next.

What would you suggest to maximise returns while keeping risk reasonable? Any specific strategies, asset allocations, or instruments I should look into?

I would also appreciate any potential learning content.

Thanks in advance!