<prompt> Human: Im a little worried that my funds overlap a bit too much. Some advice is greatly appreciated as Im fairly new to this;4225 - Vanguard SP 500 ETF 32.51820 - iShares EURO STOXX UCITS ETF DE 141625 - iShares MSCI USA SmallCap UCITS ETF 12.51430 - Vanguard FTSE All-World UCITS ETF 111300 - iShares US Property Yield UCITS ETF 101300 - iShares European Property Yield UCITS 101300 - iShares Treasury Bond 1-3yr UCITS ETF 10What do you guys think? What should I change in your opinion?Thanks.  <response>: I though 20M meant 20 million at first.. and was like what are you doing on this forum?!? lol 