After two years of rapid change—from inflation shock, through record interest rate hikes, to sharp fluctuations in financial markets—investors are placing increasing importance on predictable growth and real capital protection. In this context, bonds offering positive returns and limited volatility are increasingly appearing in investors' strategies. Precious metals continue to show great potential for diversifying investment portfolios – traditionally gold, but also silver, which has seen historic increases this year.

The pursuit of stability in a volatile market environment

The National Bank of Poland forecasts inflation of around 2.5-3% for 2026, while maintaining solid economic growth of around 3.5% of GDP. This is a significant change from recent years, when price pressures forced the central bank to make rapid decisions.

– 2026 is a time when the “all or nothing” narrative no longer holds water. Inflation is falling, but systemic risks remain. In this situation, it is very likely that investors will strive harder to build portfolios that are resilient to various scenarios, from slowdowns to game-changing geopolitical turmoil, says Marta Bassani-Prusik, director of investment products and foreign exchange at Mennica Polska.

Individual investors are increasingly looking favorably at bonds, treating them as a way to grow their capital without having to take on significant risk.

Analysts emphasize that although bonds will no longer be a source of spectacular returns in 2026, they can still provide stable growth and play an important role in a diversified investment approach. Many analysts point out that some segments of the bond market may offer double-digit returns in 2026. This applies not only to treasury bonds, but also to selected corporate issues and inflation-indexed securities, adds Marta Bassani-Prusik.

When seeking to stabilize your investment portfolio in 2026, it is worth considering precious metals. According to experts, in order to sleep more peacefully in very volatile times, it is worth securing 8-10% of your capital in this form.

Precious metals – potential for asset diversification

Gold may remain one of the most important assets protecting capital value in 2026. Increasingly bold forecasts by financial institutions assume that the price per ounce of this precious metal may approach $5,000.

This year, investors' imaginations have also been fired by silver, whose price reached an ATH (All-Time High) in November. This precious metal is becoming a key industrial raw material, partly due to the dynamic development of data centers, renewable energy, and consumer electronics.

— The outlook for silver in 2026 looks very promising, also due to the creation of an attractive alternative to more expensive gold. This metal may be particularly attractive to those interested in combining exposure to technological megatrends with price growth potential. Silver may become an important component of investment portfolios , concludes Marta Bassani-Prusik.

In 2026, investors who properly understand the relationship between interest rates, inflation, and systemic risk may come out on top. In such an environment, bonds are regaining their importance as a source of stable cash flows, and precious metals serve as a hedge for the real value of capital.

Technology and AI: less euphoria, more economic calculation

Investments in technology stocks may be an interesting alternative to more stable forms of capital investment in 2026. The development of artificial intelligence remains one of the strongest investment trends, as confirmed by record capital expenditures. According to data from EY, global VC investments in generative AI reached $87 billion in 2025, an increase of 65% year-on-year.

"The increasing emphasis placed by countries on digitization, increasing computing power, and automating industrial processes suggests that demand for technology—in the US, Europe, and Asia alike—will remain high. This means that technology stocks may be one of the most important drivers of investment portfolio growth, notes an expert from Mennica Polska.

In 2026, however, the key factor will be which companies are able to translate the development of AI technology into stable revenues and profits.