Key financial changes enacted in 2025 are set to significantly impact personal finances in 2026. These include adjustments to the National Pension System (NPS) with reduced mandatory annuitization, and a shift towards the new tax regime due to increased rebate limits. The year also saw muted equity returns and a rally in gold, emphasizing the importance of asset allocation over sole reliance on equities. Currency depreciation further highlighted risks of single-market investments, prompting a re-evaluation of financial strategies for the upcoming year.