How to improve returns over the long term?

There are several strategies that you can use to improve your long-term returns:

Diversification: One of the most important strategies for long-term investing is to diversify your portfolio. This means investing in a variety of assets, such as stocks, bonds, real estate, and commodities, to spread out your risk. This can help to smooth out the ups and downs of the market and reduce the impact of any one investment on your overall returns.

Dollar-cost averaging: Another way to improve your long-term returns is to use a strategy called dollar-cost averaging. This involves investing a fixed amount of money at regular intervals, regardless of the price of the asset. This can help you take advantage of fluctuations in the market and potentially get a lower average price for your investments over time.

Invest for the long term: While it's important to stay up-to-date on market trends and news, it's also important to remember that long-term investing is a marathon, not a sprint. Don't try to time the market or make short-term trades based on market movements. Instead, focus on building a well-diversified portfolio and holding onto your investments for the long term.

Consider working with a financial advisor: If you're not comfortable managing your investments on your own, or if you don't have the time to stay on top of the markets, you may want to consider working with a financial advisor. A financial advisor can help you develop a long-term investment plan and make recommendations for investments that are appropriate for your goals and risk tolerance.

Keep your costs low: Another way to improve your long-term returns is to keep your investment costs as low as possible. This includes things like mutual fund expenses, trading commissions, and advisory fees. By keeping your costs low, you'll be able to keep more of your investment returns and potentially improve your overall returns over time.