I want to build wealth for retirement, but I'm not sure how to create a solid long-term investment plan. What are the essential components of a good strategy, and how can I stay disciplined over decad

Demand a clear and detailed explanation of how the 'guaranteed' high returns are generated and what risks are involved.

Consult with a qualified and independent financial advisor who can assess the legitimacy and risks of the investment.

If the offer appears to be from a known company, contact them through their official website or a verified phone number, not through the provided contact information.

Avoid interacting with unsolicited communications that ask for personal information or prompt you to click on links or download files.

Conduct thorough online searches for reviews, complaints, and any red flags associated with the offeror.

Check if the investment firm and its representatives are registered with relevant financial regulatory bodies (e.g., SEC in the US, FCA in the UK).

Be aware that what you see online is often curated by algorithms, and don't take it as an objective representation of all available information.

Actively seek out information from a variety of sources, including those that may not be algorithmically favored.

Develop a written plan that aligns with your goals and risk tolerance, serving as a guide for all investment decisions.

Clearly outline what you want to achieve with your investments and how much risk you are comfortable taking.