Investment portfolios have been performing poorly over the last 5 years, but there is hope for improvement in the near future. Factors such as low interest rates, market volatility, and the impact of the COVID-19 pandemic have contributed to the underperformance of investment portfolios. [4e66f88b] However, experts believe that the current economic recovery and potential policy changes may lead to better investment performance in the coming years. It is important for investors to consider diversification and implement long-term investment strategies to mitigate risks and improve returns. [4e66f88b] The experts also emphasize the importance of a balanced approach to onshore and offshore investments, taking into account global trends and their impact on local returns. They recommend sticking to a long-term investment plan and focusing on investment goals and duration. [b80a969c] By diversifying across geographies and asset classes, investors can reduce their exposure to specific risks and potentially enhance their returns. Additionally, infrastructure investments in the transition to renewable energy are seen as promising opportunities. [b80a969c] Commodities are also highlighted as a potential hedge against inflation and geopolitical risks. Global bonds are considered appealing for their potential benefits. [b80a969c] Young investors face a more difficult set of investment choices due to globalization, quiescent inflation, and a long decline in interest rates. The golden age of high investment returns is likely over, and young investors should not expect the same returns as their parents. They must make sensible investment decisions, begin early, cut costs, diversify, and stick to their strategy. Young investors are falling into traps such as holding too much cash, avoiding bonds, and engaging in thematic investing. They have better access to financial information and low-cost index funds but must avoid these traps to maximize their returns. [dce328ec] Overall, investors are advised to stay informed about the key trends shaping investment outcomes in 2024 and adjust their portfolios accordingly. By staying proactive and adaptable, investors can position themselves for better investment performance in the future. [b80a969c]