As an AI language model, I do not have personal opinions or beliefs. However, below are the top 10 real estate investment strategies that financial experts suggest for long-term wealth accumulation and retirement planning:

1. Buy and hold: This strategy involves purchasing a property, renting it out, and holding on to it for a long time.

2. House flipping: This involves buying a property that requires renovations, fixing it up, and then selling it for a profit.

3. REITs (Real Estate Investment Trusts): This is an investment in a company that owns and operates income-generating real estate properties.

4. Wholesaling: This involves finding a property at a discount and then quickly selling it to another investor.

5. Commercial real estate: This involves investing in retail, office, or industrial properties.

6. Vacation rentals: This involves purchasing and renting out vacation homes in popular tourist destinations.

7. Pre-construction investing: This involves investing in a property before it is built, with the hope of selling it for a profit once construction is completed.

8. Lease-to-own: This involves leasing a property to a tenant with an option to purchase the property at a later date.

9. Private lending: This involves loaning money to real estate investors or developers and earning interest on the loan.

10. Tax liens: This involves investing in properties that have unpaid property taxes, with the hope of acquiring the property once the taxes are paid off or acquiring a high-interest rate on the tax lien investment.