I don't do metals, energy (oil), commodities at all. I do buy broad-market index funds such as Total US Stock Market Index fund and Total International Stock Market Index fund according to my asset allocation plan. The latter fund would include Europe and emerging markets as well as Asia, Canada, Latin America, Africa, etc.
+1
OP - just use a target date fund if you don't have time. If you're willing to spend a few hours, look at the 3 fund portfolio.
3.2% is low for 2014, although I could see it being explained by the management fee and if they had a bunch of your equities in ex-US funds. It was a bad year for international.