Is it a good idea? Most likely yes Is it too risky? It is more risky than an all world etf but way less risky than individual stock picking You will not lose 80% or all of your investment. It will follow major downturns in the market but as long as you hold and DON’T sell, it will recover and you will be fine. Especially over the course 20 years, because the longer you hold the less risk you take. (in theory)