Goldman Sachs strategists predict a 12% ROI for the index by 2026. Since we are currently at a 7% rate, the market must maintain its current pace to exceed the 12% ceiling. GS analysts have also factored in a slowdown in their 2026 projections. Additionally, the first half of the year is often front-loaded, followed by a "sideways" period or a cooling-off during the summer. What's your prediction for your portfolio?