Anti-Virus programs traditionally work based on a database of known viruses which are scanned against files on your computer. Simply put, an anti-virus program needs to be specifically told exactly what to look for to identify ‘Virus X’ (which is why your AV program does routine definition updates). To compliment this type of protection check out ThreatFire.
ThreatFire is a “zero day” scanner meaning it can detect malware strictly by behavior instead of a database. The theory behind the program is actually quite solid as this is similar to how the most effective spam detection systems work. The description from their web site explains how the protection works:
ThreatFire uses advanced patent-pending technology to detect signs of malicious behavior commonly used by malware threats. [...] By constantly monitoring the activity on your PC ThreatFire’s ActiveDefense technology is able to hunt down and paralyze threats that are too new or too clever to be recognized by traditional security software.
ThreatFire is free for personal use. Business/commercial users have to purchase the Pro version which is competitively priced.
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I think that if somebody want to be protected against potential threats, they have two main choices for them, whether they need to have a good knowledge on how to protect potential threats work, and how do they affect anyone’s system or they need to spend a some money on a good all in one internet security and always make sure it is always up to date.