# New to ETFs - rate/comment on my investment

**URL:** <https://community.investengine.com/t/new-to-etfs-rate-comment-on-my-investment/3006>\
**Category:** General\
**Created:** [4 April 2026 11:25 UTC](https://community.investengine.com/t/new-to-etfs-rate-comment-on-my-investment/3006 "2026-04-04T11:25:42Z")\
**Posts on this page:** 2\
**Page:** 1

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**Author:** ![Chiasees](https://avatars.discourse-cdn.com/v4/letter/c/a9adbd/32.png) [@Chiasees](https://community.investengine.com/u/Chiasees)\
**Post date:** [4 April 2026 11:25 UTC](https://community.investengine.com/t/new-to-etfs-rate-comment-on-my-investment/3006/1 "2026-04-04T11:25:42Z")

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Hi All,

I am a single person household, currently mid 40s, therefore, now considering life as such after retirement. I’m new to the world of investments in ETFs. I’m looking to build capital and have income for retirement. So pretty much a 15-20 yr horizon, and to mention I’m quite risk aversed. Currently have a £900 monthly split across a HL SIPP(£500 - 50% split btw sp500 and ftse); and a S&S DIY ISA on Investengine (£400 - 85%ACWI and 15%vaneck SMGb).

would welcome comments on whether this is a reasonable approach to get very decent returns at the end of the 15-20 year mark ?

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**Author:** ![Toolmaker](https://avatars.discourse-cdn.com/v4/letter/t/f0a364/32.png) [@Toolmaker](https://community.investengine.com/u/Toolmaker)\
**Post date:** [9 April 2026 08:16 UTC](https://community.investengine.com/t/new-to-etfs-rate-comment-on-my-investment/3006/2 "2026-04-09T08:16:45Z")

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> [@Chiasees](#):
>
> vaneck SMGb

I would consider VanEck Semiconductor UCITS ETF “hot and spicy”. Any slow down in the AI investment boom could see this perform poorly for a while. Consider some gold perhaps?.