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Your provident fund has a lot of SA exposure already. So I personally would look at offshore exposure: 90% STXWDM - tracks the shares of the developed world (USA, Europe, Japan etc). Solid long term investment unless the world goes to shiaat. 10% STXNDQ - tracks the top 100 Nasdaq shares (Facebook, Google, Microsoft, Uber etc). Potentially very good growth (or terrible). Over 5+ years that should deliver decent returns (DISCLAIMER: I won both).