Peter I ' m a slave here peopleJan 12 hours a slave <| sep |> I think ceilings are generally more expensive than walls to repair , just from my experience , but that sounds about right . <| sep |> And the call to prayer wasn ' t even banned . <| sep |> Press enter twice after each linetomakea list <| sep |> Just had a quick look at those three funds and the major thing I noticed was that as of 311016 data 50 % of your investment will be invested in US equities . As you are investing fully in Equities I think geographical diversification is important for your portfolio as a way to reduce risk as you are not diversified across different types of assets . Although this is dependent on the investor , so it is your choice at the end of the day whether or not you are happy to rely on US equities performing well for the large part of your portfolio . Are you planning to monitor and review your funds and have you considered investing in a fund of funds some call it an ' all in one ' fund where a portfolio allocation is decided by the fund manager ? If you are to take a more active management of your portfolio i . e deciding on your portfolio allocation by yourself then it is important to monitor and rebalance your portfolio over time .