Setting financial resolutions for 2026: A smart start to the year

As the new year approaches, many Australians are thinking about fresh goals and new opportunities. While health and lifestyle resolution soften dominate the conversation, financial resolutions are just as important –especially for investors looking to build long-term wealth.
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Why financial resolutions matter
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Research shows Australians are planning to get on top of their finances. In fact, more than 4 in 5 (85%) said they set financial goals for their year ahead. The most common priorities include:

• Saving more (52%)
• Spending less (32%)
• Reducing expenses (24%)

Beyond the basics, many are aiming to grow their wealth:

• Investing more (17%)
• Finding ways to increase earnings (14%)
• Building up an emergency fund (16%)

These figures highlight Australians are growing awareness for financial wellbeing – and the importance of planning ahead.

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Turning goals into action
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Setting resolutions is easy, however sticking to them can be harder. Here are a few practical steps for investors:

1. Review your portfolio – Assess performance and ensure your investments align with your risk tolerance and long-term objectives.
2. Set measurable targets – Instead of vague goals like “save more,” aim for specifics: “Increase monthly savings by 10%” or “Allocate $X to diversified investments.”
3. Plan for contingencies – An emergency fund can provide peace of mind and protect your investment strategy during unexpected events, including from global markets.
4. Stay informed – Market conditions change. Regular reviews help you adapt and seize opportunities.
5. Seek expert advice – A qualified financial adviser can help tailor strategies to your goals and keep you on track amid market shifts.
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Speak with an Adviser
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An Ord Minnett private wealth adviser can help turn resolutions into a clear, actionable plan. Whether you want to grow your portfolio, manage risk, or prepare for retirement, professional guidance ensures your goals are realistic and achievable.

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Looking ahead
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2026 offers a fresh start and plenty of opportunity. By setting thoughtful financial resolutions – and following through – you can take control of your financial future and move closer to your long-term aspirations.
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Source: Finder – New Year’s resolutions 2025

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Important Information

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This webpage provides general information only and does not constitute financial, investment, or tax advice, and should not be relied on take make financial, investment or taxation decisions. Individuals should seek professional advice tailored to their specific circumstances before making any decisions