u/Glittering_Bus_650

My wife and I are in our early 40s, US resident but dual US/EU citizens and may eventually spend significant time in Europe or retire there, so some non-US exposure matters.

We have a very significant (multi million!) taxable brokerage account that currently sits mostly in short term treasuries. We want to automate a weekly 3-year DCA plan, with conservative allocation and fear of market at all time high.

We are thinking of the following allocation:
**SPYM / VOO / IVV** — S&P 500 core: **15%**
**VXF** — US extended market: **10%**
**VXUS** — Total international equity: **30%**
**VGIT** — Intermediate Treasuries: **30%**
**VTIP** — Short-term TIPS: **15%**

1. Would you use SPYM/VOO/IVV + VXF, or just VTI?
2. Is VXUS enough, or would you tilt more toward Europe given possible retirement there, and how?
3. For taxable bonds, would you stick with VGIT + VTIP, or add BND?
4. Is a 3-year DCA reasonable for someone very drawdown-sensitive?
5. Any other advice?