Experts suggest mutual fund investors focus on flexi-cap and large-cap funds for stability and growth in 2026. New investors are advised to start with these categories for simplicity and diversification. Experienced investors might consider a mix of index, flexi-cap, multi-cap, and international funds, though caution is advised for mid-cap, small-cap, and international funds due to current valuations. The strategy aims to navigate market volatility and deliver returns.