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Old 09-25-2016, 08:52 AM   #41
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They can't move things without your permission.
Right, that's why you have to click on the upgrade button.
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Old 09-25-2016, 08:56 AM   #42
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That link says a benefit is $2 or even free trades, which I already have, so I must have this kind of account already. I had deferred variable annuity already, and this summer, transferred part of my Roth over to get $2 trades. All of it shows on one page.
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Old 09-25-2016, 09:42 AM   #43
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A few of the differences that I have noticed. First, the settlement account (MMF) does not allow paper checks.
Do you mean VG will not supply a checkbook linked to the account, or that VG won't send a withdrawal in the form of a check, or both?
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Old 09-25-2016, 01:18 PM   #44
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Right, that's why you have to click on the upgrade button.
Yes, that is explained in the link I provided.
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Old 09-25-2016, 01:37 PM   #45
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Didn't banks stop doing that in the middle of the last century?

Next poll: Were you and/or your spouse alive during the middle of the last century?
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Old 09-25-2016, 02:09 PM   #46
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Do you mean VG will not supply a checkbook linked to the account, or that VG won't send a withdrawal in the form of a check, or both?
They will not allow you to write a check against the settlement account.
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Old 09-25-2016, 02:17 PM   #47
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They will not allow you to write a check against the settlement account.
Unless you have a VanguardAdvantage account.
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Old 09-25-2016, 06:48 PM   #48
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One thing I experienced when I upgraded last year is it resulted in an additional 1099 tax statement that I was not anticipating. In the spring, I went through my usual checklist of documents and when I had everything (I thought), I filed the return.

Didn't know there would be separate 1099's for before & after the upgrade. A new one was released a week or two later and I had to file amended federal and state returns. That was annoying and I wished, if they had to be separate statements, that they were released together so this could have been avoided.
Good intelligence. I was thinking of waiting until just after the new year to convert and think I will just wait until then.
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Old 09-26-2016, 04:20 AM   #49
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Good intelligence. I was thinking of waiting until just after the new year to convert and think I will just wait until then.
I had that thought yesterday. Why didn't Vanguard think of having an option for year-end conversion, so that in present and next year you'd have one set of 1099s, and a clean break from the past?

I still don't want more MMF sweep funds, though.
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Old 09-26-2016, 07:04 AM   #50
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They can't move things without your permission.
True -- But at some point (ie 10 years down the line), I suspect that they may unilaterally close the accounts of those who continue to hold out.

-gauss
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