The first picture below is of a choroidal nevus. This is a pigmented area. The white spot on top of it is drusen, which often forms on nevi. This patient will be followed at first on a 6th month basis to make sure it does not progress to melanoma.
This same patient has an anterior capsular cataract in the right eye. This is a very rare cataract. It does cause some vision decrease, but not enough to justify cataract surgery.