Identify any long-term investment instruments you use or have used in the past (if you haven't used any, identify those that you are most likely to use). Include any retirement funds established at work and pension/retirement contributions made by your employer. Assess whether or not your overall investment portfolio is efficiently diversified. Why is there a lack of diversification? What steps can you take to modify this? If you plan to invest long term, what steps will you take towards diversification?