I recently inherited a significant amount of money from an estate that's being distributed as a series of lump sum amounts over the next 36 months.

Looking for an all-in-one lifestyle fund that's tax efficient but would consider a 3 or 4-fund portfolio that's easily managed from Fidelity.

At 3 or 4% real returns, the final windfall invested would easily cover living expenses and the periodic emergencies that pop up every 2-3 years. Higher returns would be great and I'm sure very achievable but the risk tolerance and motivation isn't present the way it is with my actual retirement accounts.

Main strategy for myself is to live off of the interest and dividends from taxable and use my income from work to max out all tax advantaged spaces (Roth 401k, backdoor Roth, HSA, etc…).

Also would be interested in working towards acquiring a second passport, preferably EU to travel under over the next 10 years. Thinking Portugal or Spain would be the path of least resistance but would be curious to hear other options and also which banks or institutions are worthwhile to consider to establish a financial foothold overseas (UBS, HSBC, etc…)?

I'm about 20 years away from retirement and plan on working about that long. Current career track offers a lot of international assignments and travel that I would like to use as a jumping off point to a dual citizenship situation.

Any advice appreciated. Thanks in advance!