Or, that's how it was supposed to be. I wasn't paying enough attention, apparently, and I have 80% in International instead of 20%. So I guess tomorrow when the transaction posts, I will have to do an exchange. Oops. Note to self, double check before clicking submit...
Was that the entire $80k?
Jesus... I'd probably have triple checked before I clicked submit. And then checked again. Maybe some people just aren't cut out for investing. (I kid... mostly)
Yup, it was the full 80K, so I have to make an exchange of about 33K today. I hope the gain/loss is minimal.
I developed a bad habit of full steam ahead w/o double checking things in college. I was almost "superstitious" about exams. I found I often second guessed my answers, and would change my previously right answers to wrong answers, or if I spent more time on things, they'd start to seem more complicated than they really were. So in my junior year, I stopped double checking things, took exams furiously fast. And here's the superstitious part: if my exam wasn't one of the first one's on the professors desk, I wouldn't get an A. And if it was the first one on the professor's desk, it would be the highest grade in the class. It worked for me in college, it worked for the CPA exam... but I'm far beyond that now, and it looks like I need to double check things.
But seriously, I don't think I'm made for investing like some people are, not because I'm too fast of a clicker, but because sometimes I worry I can't stomach the paper losses in short-term investments. I'm fine taking risk in long-term investments, but moving this money was hard for me. I told DH that the market had a 5% "correction" last month. He's like, "that's good, right? because you just moved that money." Yes, well, I just hope it's sufficiently up for us when the time comes to sell.
In the early 2000's, I started investing monthly in mutual funds. Then high yield savings accounts hit the scene. I loved the guaranteed return, and soon just started stashing cash. Big mistake. I've learned my lesson (10 years later, unfortunately), and going forward, I will be investing more regularly.