Is intelligence innate or acquired through experience and knowledge? How do you believe it works in your own case?

The research I've read suggests about 60-70% of the variance in IQ for an adult is due to genetics and about 30-40% various environmental factors. These environmental factors include nutrition, disease, trauma, general physical and mental health, and education. Some investigators claim they can predict the genetic part through an examination of the DNA. Certain Single Nucleotide Polymorphisms (SNP) correlate with intelligence. The more the higher, they claim.