Just colouration and nothing to worry about.
White spot (ich) looks like little grains of salt sprinkled over the fish. The fish usually rub on objects in the tank and if left untreated, the number of white dots increases until the fish dies a couple of weeks after the first dots appeared. White spot needs to be introduced into the aquarium so if you don't add any new fish, plants, shrimp, snails, or contaminated water from another tank, you will never see it in your tanks.
The most common fungus on fish is Saprolegnia, which looks like fluffy white stuff sticking out of part of the fish. It gets into open wounds so if the fish is never injured, it should never get fungus.