r/VanguardInvestments

Hi! I'm a little confused about whether I'm setting up my stop limit (buy) orders correctly because Vanguard keeps giving me an error message. For instance, I went to a stock whose current market price is $39.81 and set a stop limit order with a stop at $41 and a limit at $43. When I tried to review/place my order, I received the following error message popup: "Trade cannot be completed. Your order cannot be accepted because the stop price is invalid. Buy stop orders must be entered at a price that is above the current market price for the security." Isn't my stop price in this scenario higher than the market price? Am I misinterpreting what a stop is in this context? Thanks in advance for the help :)

Despite multiple customer service calls and tickets, I have yet to be able to log into the Vanguard app. I also tried the "Set up online access" link, which some people reported fixed the app log-in issue, but in my case, it ended in an error message saying that I needed to call Vanguard anyway.

Meanwhile, my rollover checks have been sitting around for almost a month (don't worry, I still have a few months before they expire). I've been hesitant to mail them in because I've heard horror stories about Vanguard losing them, but I'm losing faith in Vanguard's ability to actually help me log into the app. Tbh, I'm also wondering if I can just reach out to the old 401(k) co and ask them to cancel these and issue new checks to, like, Schwab or something.

What has been your experience with app log-in issues and/or mailing checks into Vanguard? TIA!

ETA: I can log in on the website just fine, and yes, I've tried uninstalling and reinstalling the app, as well as trying it on other devices.

My fiancée has everything on their IRA in the short term cash account and is thinking of being more active with it. We had some questions we wanted to ask a vanguard rep directly on a call but we decided it couldn't hurt to first ask them here and then go from there.

What is the benefit of utilizing the digital advisor over personally investing in the Vanguard ETF by oneself?

Would it, after the initial period, start diversifying into other ETFs, or would the digital advisor's main function be to slowly start restructuring more into bonds?

Would the fees be $7.22 dollars for the advisor + $2 for every $1000 dollars invested?

Would there be any additional fees (other than the two previously mentioned) for keeping them on the all-index plan.

Can they switch off and on from the digital advisor whenever they want?

What level of input can they have into what the digital advisor does?

if they don't use the digital advisor; would they still be subject to $2 for every $1000 dollars invested through vanguard?

Got a new job and had a complex question regarding mega backdoor roth. The kind of question I would prefer to type out... But I guess it is what it is if they don't offer online support..

First-time investor looking for some advice before getting started.
I’ve been doing a fair bit of research into different platforms and ETFs, and at the moment I’m leaning towards using Trading 212 rather than investing directly through Vanguard.
My plan is to invest for the long term, starting with a lump sum and then making regular monthly contributions. From what I’ve read so far, VWRP seems like it could suit that approach well because of its global diversification.
I’ve also looked at Vanguard’s LifeStrategy funds, particularly the 60% and 80% equity options, but I understand these have a greater weighting towards the UK. I’m wondering whether there is much reason to favour one of those over something like VWRP for a long-term investor.
For those with more experience, does this seem like a reasonable approach? Is there anything important I should be considering before deciding?
Thanks in advance!

In my non-retirement account at Vanguard I want sell specific shares of an ETF. I do not see the option for selling specific shares. I do see option for first in and first out, highest in and first out, and minimum tax. I have bought and sold other ETFs in the brokerage account and did not designate the cost basis then. Is it possible it set a precedent for anything I buy in general in the brokerage now to not allow specific share designation?

Bailed a couple of years ago after a frustrating customer service experience. Has customer service improved of late? For those of you who have the personal advisor service does that offer a better experience?

I have an older self-managed Brokerage Account that is not performing as well as the Advised Brokerage Account I have. I am no longer actively investing in the self-managed account, but it does hold a significant portion of my total portfolio.

How hard would it be to merge those accounts into just one Advised Brokerage Account? Will I need to liquidate all my positions and take whatever tax hit to move the funds? Or is there some way to combine the accounts and let the AI Advisor sell and reinvest my "bad" decisions when the tax hit is minimal?

I tried poking around the website and didn't see anything obvious, but I'm probably just missing the obvious solution.

Thank you.

Hi! I added a bank account to my vanguard seeking to cash out my 401k. Not getting into merits and all, when i try to withdraw it says “withdrawal to this bank will be available on x date” and its a date 20 days later. Has anyone had any luck lowering the wait time? In 20 days the account value could be lower and I wanna cash out at a high. Plus i need the funds now.

I am concerned about my investments in artificial intelligence made in my Vanguard accounts. Do you know to what extent I am exposed to an AI bubble collapse with these investments?

• VANGUARD TARGET RETIREMENT 2065 INVESTOR CL
• VANGUARD TARGET RETIREMENT 2020 INVESTOR CL
• VANGUARD LIFESTRATEGY 80/20

What would be a strategy using Vanguard if one presumes an AI bubble collapse will occur?

after talking to a VG rep, i’ve discovered i cannot transfer cash from my joint CPA to my Individual Brokerage, apparently because the former is a joint account.

yet i can transfer cash from the joint CPA to my Roth / Trad IRA / 529…?

how does that make any sense?

anyone know a workaround other than transferring the cash to another bank, then back in to my Individual Brokerage account?

Vanguard sold my holdings after doing risk assessment online, I was told to finish before I had scheduled to talk with advisor. I did not authorize vanguard to sell my holdings.

I am asking vanguard to provide proof but have no success.

I am considering file complaint to FINRA.

Is anyone have faced this issue? What step did you take?

Appreciate your feedback.

For those that use Vanguard as their brokerage, it seems that Vanguard will not allow dividend or capital reinvestment for shares trading above the $700/share threshold.

I wanted to change my election for Costco Wholesale (COST) to "dividend and capital gains reinvestment" from "transfer to settlement fund" online, but the option to do so was greyed out. I got a dialogue box saying this holding was ineligible for that option.

I contacted a representative over chat and was informed that "dividend and capital gains reinvestment" options are not eligible for stocks trading about $700 / share. I then asked, what would happen if I had bought the share at $100 / share and had that option selected and then the share went passed $700 / share. The representative said it could / would be changed to "transfer to settlement fund" then.

Anyone else have this issue? I haven't heard of this kind of restriction at Fidelity, etc.

Thanks in advance for your insights!

NOTE: I did not have this issue with the couple shares I have in COST at Fidelity.

When I retired recently from a very large major accounting firm, I discovered that Vanguard will not do a direct rollover from my 401k into an IRA. Instead, they would only snail mail me me a paper check. Fidelity, however, allowed a quick and seamless transaction. Guess which company didn't get my business?

The new web interface just became available, and it is a huge improvement!

Hey everyone, first time posting here!
I’ve been investing in a Vanguard Target Retirement Fund for about 5-6 years in both my Roth IRA and taxable brokerage account. My uncle originally recommended it when I was younger and just getting started with investing, and it’s honestly been a great way for me to get my feet wet.
Now that I’m 30 and understand investing a little better, I’m considering moving the money into VTI or VOO instead.
I understand that I’d be giving up the bond allocation and some diversification that comes with the target-date fund, but at my age I’m wondering if taking on more risk and going 100% makes more sense for me long term.
Am I thinking about this the right way? Would you stick with the target-date fund, switch to VTI/VOO, or do some combination of the two?
Also, would your answer be different for the Roth IRA vs. the taxable brokerage account?
Appreciate any advice!

I have enabled YubiKeys and disabled SMS 2fa for my login. I only access my account from my desktop.

When I go to the security profile the only security recommendation I get is, set up the Vanguard App on my phone. Installing the app on my phone seems like an additional attack surface, especially since I don't use my phone to check my account.

Is it really more secure to have/use the phone app to log into my account via the browser as opposed to YubiKeys, or is it just another convenient way to securely log into your account?