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This board generally holds Vanguard in pretty high regard. For those of you moving around, please include in your understanding, that Vanguard will "sit" on your money transferred in for 10 days prior to considering it "unrestricted". This is apparently regardless of your "status" with them--Flagship/Voyager/etc.
I EFTed $$ from my commerical account after a "sweet" CD matured and bank no longer wanted to be competitive. I have been thinking about increasing my funds at Vanguard and so it seemed a good idea to move these $ in.
Dollars move okay (had them to sweep to Prime MM), but then I find they are "restricted". After fussing with them, they agreed I could move to other Vanguard positions but could not remove from Vanguard for 10 days. At least I was able to get the $$ into the funds I wanted without sitting on the sidelines for 10 days. Crying out loud these are EFT $$ bucks not some paper check. Apparently this rule applies regardless of the size of relationship with Vanguard (mine exceeds by several times what was involved in the transfer.)
I am not sure how this restriction plays into Vanguard cost structure but do not assume you can immediately move new $ around much leave.
I have most of my stuff with Fido and get 3 day service on EFT $$--never 10 business days. Think I will keep it there--besides Fido web interface is still far superior to Vanguard IMHO.
Nwsteve
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